Help understanding your reports
Review accounts, balances, dates, and payments with explanations in everyday language.
Consumer credit repair services
Guidance you can understand. Support along the way.
Your $499 CRS service fee covers guidance, advice, and scheduled appointments throughout your credit repair process. We help you understand your reports and consider your next steps.
What you receive
Practical help with your credit questions.
Guidance on possible errors
Discuss the facts you confirm and the documents that support your concern. CRS may help you prepare a clear request for an investigation when the facts support it.
Scheduled appointments
Bring your questions, review available responses, and discuss your next steps with CRS throughout the process.
Plain-language credit education
Understand card balances, late payments, collections, and other terms so you can make better-informed choices.
Your written agreement describes the exact services and what counts as completed. You may dispute inaccurate or incomplete information directly without hiring CRS. No deletion, score change, approval, financing, or completion date is guaranteed. Results vary.
Understand both costs before starting.
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.
See all CRS 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.
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. 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.