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A business meeting


  • Is checking my score on SmartCredit going to negatively affect my credit?
    No, this is one of the most common misconceptions about credit. Checking your credit score will never negatively affect your credit. All SmartCredit does is compile your existing information from Experian, Equifax, and Transunion in one setting.
  • Why do you need my SmartCredit login?
    SmartCredit allows us to use a complex system to compile a full credit report audit on your behalf. Within the report, you will see any and all negative items on your report (charge-offs, collections, late payments, repossessions, etc). During our call, we will go over the comprehensive audit together.
  • How long does it take to repair my credit?
    While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, it is impossible to give an exact timeline as each case is different. The more items we are fighting to remove, the longer it may take. A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter timeframe. You are likely to see improvements to your credit within the first 2 months.
  • Why should I repair my credit?
    In the United States, credit worthiness affects all major aspects of your financial life. Whether mortgaging a house, getting a car loan, or even simple things such as apply for credit cards, a higher credit score lowers the interest rates as well as improves your acceptance chance from creditors. Fun fact : The total amount paid between 640 and 760 when it comes to obtaining a mortgage loan could differentiate hundreds of thousands of dollars in interest paid. Also, your credit record will influence your qualification for credit in the future, and could possibly affect rates for your current credit lines. Creditors such as JP Morgan Chase Bank and American Express can randomly pull soft inquiries on your credit profile and lower current credit limits. A good overall credit score helps you obtain low interest rates and long term loans, like home loans or car loans. Lenders may charge high interest rates or impose undesirable repayment plans for you. Given the stakes and the consequences involved, it is clearly to your advantage to work toward recovering from a bad credit rating.
  • How much can my score rise by?
    There are many different factors that can influence your current and future credit score. If, for an example, your utilization remains above 50% after all negative items are removed (such as charge-off, medical collections, etc), your credit score will still remain under 700. But if you follow our personalized game plan for you, we can guarantee a minimum of 720 after credit repair.
  • If I pay a collection, does it automatically get removed from my credit report ?
    NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, most collections agencies will not remove the negative item from your credit report even if you pay it. That’s why we highly recommend NOT to pay any collection while undergoing our credit repair services as it is not necessary and WON’T increase your credit score by any means.
  • How do I get updates on my credit report ?
    As we will receive monthly on your credit report, you will see exactly what we see. Our following disputes will be based on the current month credit report. If for any reason you cannot log into your account, you can reset your Username and/or Password. But please be sure to notify of our team to reset your login information at
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