Credit Report Program
If you know something is affecting your credit but are unsure which accounts, collections, inquiries, or late payments are having the biggest impact, our Credit Report Program helps you understand exactly where you stand. We review your three-bureau credit reports, identify inaccuracies, outdated information, and negative items that may be hurting your score, and explain everything in clear, easy-to-understand language.
You will receive a detailed written report with opportunities for improvement, recommended dispute items, and practical next steps based on your financial goals. We also help you understand how lenders may view your profile and what actions can strengthen your credit over time. This program can be used as a standalone consultation or as the foundation for one of our monthly credit improvement packages.
Our Credit Monitoring Partner
Just want to see what your credit profile and scores look like? No pressure! You can order your full report for $1. Smart Credit charges $1 for the first 7 days, then $24.97 immediately after. The costs of the credit monitoring is a separate cost from the credit repair program. If you call and cancel before 7 days, you won't be charged-- however, it's always better to keep your credit monitoring so you are aware of any shifts in your report for all three bureaus. Monitor your credit closely, especially if you plan to make a large purchase such as a home or vehicle.