Know the costs
CRS: one $499 service fee, no upfront payment to CRS. SmartCredit: $1 for 7 days, then $29.98/month until canceled, billed separately.
Start credit repair online
Your next step starts here.
Get credit-report guidance and scheduled appointments throughout your process. Review both costs and the written agreement, then continue when you are ready.
Three steps to get started
Read and decide
Review the services, payment conditions, and cancellation rights on the secure enrollment page before submitting.
Get guidance
Once enrolled, review your credit information and discuss questions and next steps in your scheduled appointments.
What you pay and when
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.
Read all payment conditions
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.
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.
Cancel SmartCredit before the 7-day trial ends to avoid the monthly charge. Review its current terms. CRS may receive compensation.
Review all pricing details →Need technical help? WhatsApp. Use secure enrollment for sensitive information. Never send passwords, Social Security numbers, credit reports, identification, or banking details through WhatsApp.
Prefer to start on your own? Get the free AI credit repair guide →