$99
Clients with 1–10 negative accounts.
Light to moderate credit challenges.
Collections, late payments, charge-offs, hard inquiries, and reporting inaccuracies.
Complete Credit Report Audit
Personalized Dispute Strategy
Dispute Preparation & Submission to Credit Bureaus
Collection & Charge-Off Review
Credit Improvement Recommendations
Progress Updates Throughout the Program

Requirements (Applies to All Plans)
An active SmartCredit membership is required ($39/month). SmartCredit must remain active throughout the program. Complete all onboarding documents before work begins. Timely responses are required to avoid delays.
$249
Clients with 11–20 negative accounts.
Moderate to complex credit profiles.
Multiple collections, charge-offs, repossessions, and extensive late payments.
High credit utilization and reporting inaccuracies.
Advanced Credit Report Analysis
Personalized Dispute Strategy
Disputes with All 3 Credit Bureaus
Collection, Charge-Off & Repossession Review
Creditor & Furnisher Communication Assistance
Ongoing Progress Monitoring
Personalized Credit-Building Plan
Funding & Credit Approval Preparation

Requirements (Applies to All Plans)
An active SmartCredit membership is required ($39/month). SmartCredit must remain active throughout the program. Complete all onboarding documents before work begins. Timely responses are required to avoid delays.
$750
Clients with 20+ negative accounts.
Complex credit profiles with repossessions, foreclosures, and multiple charge-offs.
Clients preparing for homeownership, vehicle financing, or business funding.
Premium credit approval and long-term credit-building goals.
Comprehensive Credit Report Audit & Strategy Session
Advanced Dispute & Escalation Strategy
Creditor & Furnisher Dispute Assistance
Repossession & Foreclosure Review
Personalized Credit Rebuilding Roadmap
Credit Utilization Optimization Plan
Monthly Progress Reviews
Mortgage, Vehicle & Business Funding Preparation
Priority Client Support

Requirements (Applies to All Plans)
An active SmartCredit membership is required ($39/month). SmartCredit must remain active throughout the program. Complete all onboarding documents before work begins. Timely responses are required to avoid delays.
$99
Clients with 1–10 negative accounts.
Light to moderate credit challenges.
Collections, late payments, charge-offs, hard inquiries, and reporting inaccuracies.
Complete Credit Report Audit
Personalized Dispute Strategy
Dispute Preparation & Submission to Credit Bureaus
Collection & Charge-Off Review
Credit Improvement Recommendations
Progress Updates Throughout the Program

Requirements (Applies to All Plans)
An active SmartCredit membership is required ($39/month). SmartCredit must remain active throughout the program. Complete all onboarding documents before work begins. Timely responses are required to avoid delays.
$249
Clients with 11–20 negative accounts.
Moderate to complex credit profiles.
Multiple collections, charge-offs, repossessions, and extensive late payments.
High credit utilization and reporting inaccuracies.
Advanced Credit Report Analysis
Personalized Dispute Strategy
Disputes with All 3 Credit Bureaus
Collection, Charge-Off & Repossession Review
Creditor & Furnisher Communication Assistance
Ongoing Progress Monitoring
Personalized Credit-Building Plan
Funding & Credit Approval Preparation

Requirements (Applies to All Plans)
An active SmartCredit membership is required ($39/month). SmartCredit must remain active throughout the program. Complete all onboarding documents before work begins. Timely responses are required to avoid delays.
$750
Clients with 20+ negative accounts.
Complex credit profiles with repossessions, foreclosures, and multiple charge-offs.
Clients preparing for homeownership, vehicle financing, or business funding.
Premium credit approval and long-term credit-building goals.
Comprehensive Credit Report Audit & Strategy Session
Advanced Dispute & Escalation Strategy
Creditor & Furnisher Dispute Assistance
Repossession & Foreclosure Review
Personalized Credit Rebuilding Roadmap
Credit Utilization Optimization Plan
Monthly Progress Reviews
Mortgage, Vehicle & Business Funding Preparation
Priority Client Support

Requirements (Applies to All Plans)
An active SmartCredit membership is required ($39/month). SmartCredit must remain active throughout the program. Complete all onboarding documents before work begins. Timely responses are required to avoid delays.
Email: [email protected]
