Clear answers without credit jargon.
Understand the CRS fee, timing, SmartCredit, consumer rights, and realistic limits before you begin.
How much does CRS cost?
CRS service fee: $499 total. Payment to CRS today: $0. CRS may request the fee only after the agreed services are complete and every applicable payment condition in the written agreement is met. Six months alone does not make the fee due. Results vary.
SmartCredit offer: $1 for the first 7 days, then $29.98 per month until canceled. You may cancel at any time. Cancel before the trial ends if you do not want the monthly charge. SmartCredit bills you directly. Review the current price, renewal date, and cancellation terms before enrolling because third-party terms may change. The paid SmartCredit membership is required during active CRS credit-repair work and is separate from the CRS fee.
What does the $499 service fee cover?
Credit-report guidance, personal advice, and scheduled appointments throughout your credit-repair process. Your written agreement lists the exact services. No outcome is guaranteed.
How long do I need SmartCredit?
Keep SmartCredit active while CRS is working on your credit-repair process. Once CRS finishes that process, you may cancel. CRS does not require you to keep the membership during the later wait for the report needed to assess payment eligibility.
When will CRS request the $499 fee?
CRS does not request or collect its flat $499 service fee upfront. For transactions covered by the Telemarketing Sales Rule, CRS may request the fee only after the time period represented for the services has ended, the agreed services have been fully performed, and CRS has provided a qualifying consumer report issued more than six months after any represented result was achieved and showing that result. Six months alone does not make the fee due. Results are not guaranteed. The written agreement controls.
Can I dispute inaccurate information myself?
Yes. Consumers may dispute information they believe is inaccurate or incomplete directly with the credit bureaus and furnishers without hiring CRS. CRS is an optional service for consumers who want assistance understanding information, organizing facts and documents, and following appropriate steps.
Does checking my own credit reports lower my score?
No. Requesting or reviewing your own reports is generally a soft inquiry and does not lower your credit score. A hard inquiry may affect a score when a lender checks credit after an application.
What is the difference between credit monitoring and credit repair?
Monitoring can show changes or send alerts. Credit repair focuses on reviewing reported information, questioning possible inaccuracies, organizing facts and documents, and understanding responsible habits. Monitoring does not automatically correct errors. The required SmartCredit membership is separate from CRS.
Are Credit Boosters required?
No. Credit Boosters are optional products offered by other companies. They are not part of CRS services, may have separate prices and terms, and do not guarantee a score increase or approval. Compare Credit Boosters.
Does CRS offer support in Spanish?
Yes. CRS provides support in English and Spanish. The website includes Spanish information about pricing, SmartCredit, the process, credit terms, consumer rights, and online enrollment.
Important limits
Results and timing vary. No deletion, score change, approval, financing result, or completion date is guaranteed. Accurate and current negative information generally cannot be removed merely because it is negative. CRS does not control credit bureaus, furnishers, scoring models, or lender decisions.