We Help Improve Your Credit!

Credit Repair.
​Credit Building.
​Credit Consolidation.

Remove errors on your credit report that are holding back your credit scores!

We help remove 12 or more of the most common errors or negative accounts from your credit reports by disputing them with the major credit bureaus.

Get a FREE Credit Review

We’ll review all 3 Credit Reports to come up the perfect strategy to achieve your credit goals.

Better Credit = Better Life

24/7 Online Support

Follow your dispute status online with your own personal portal.
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Personalized Attention

We keep you informed the entire time so you are always in the know.
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Super Fast Results!

Our aim is to help you achieve your goals by going through our services.

Use Our Expertise to Improve Your Credit Scores

Your credit score comes from your credit report – essentially it’s your borrowing and repayment report card. Credit reports are often incorrect, and incorrect information can hurt your score. We make sure the your credit report contains correct information so you’ll have the highest score possible.  Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most.

A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Do the best thing you can do for your future. Call us today and let our experience save you time, money, and frustration.

Client Reviews & Testimonials

START SEEING RESULTS IN AS LITTLE AS 30 DAYS!

Smart Choice Credit can help you achieve all of that and more. We advocate for you with the strength, knowledge, and experience required to leverage errors on your credit report to get the credit bureaus to remove the derogatory accounts that cannot be verified. Trust your credit to the true professionals, and enjoy amazing results!

We Remove Errors Such As:

Collections, Charge Off's, Repossessions

Late Payments, Foreclosures, Inquiries

Personal Information, Bankruptcy's

Liens and More!

Solutions For Every Credit Report

Low Fees,
No Case To Big,
No Collection to Small!

Get the results you need without the monthly fees. Only pay for the results of your credit repair no matter how big or how small the issue.

Having great credit is more important than ever!

We help improve your credit report and increase your credit scores!

We are a company with integrity.

Consumer and business credit experts.

We will be intimately involved with your credit repair experience.

We create disputes with the credit bureaus.

We’re with you every step of the way.

We help and guide you from start to finish.

Credit education and correction are both legal and the law is on your side!

We Make Repairing Your Credit Easy and Affordable!

Everything you need to improve your credit with 1 low monthly fee and no hidden costs.

One Easy Price

Convenient Low Monthly Payments

$199.99 /enrollment fee

$99 /monthly

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24/7 Secured Online Portal

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Unlimited Bureau Disputes

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In-Depth Credit Audit

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1-on-1 Phone Update

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Expert Advice

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90-Day Money Back Guarantee

Frequently Asked Questions

Everything you need to know about our services.

How Long Does it Take?
You can start seeing results in your Credit in as little as 30 days, but on average our clients graduate our services in only 3 to 6 months before they reach their goals.
What Can I Expect
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help remove negative items from credit reports.
Is Credit Repair Legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Do Deleted Items Come Back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
Is Credit Repair Worth It?
Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
How Can You Help?
Collections, Charge Offs, Repossessions, Late Payments, Foreclosures, Judgments, Tax Liens, Inquiries, Personal Data, Student Loans, Public Records, and MUCH MORE!

My Credit Scores Went Up Over 140 Points in Just 4 Months!!!

When I started my journey with Smart Choice Credit I was skeptical. I mean, we have all heard the horror stories of credit repair and I was nervous that we were going to go through the exact same thing. Smart Choice Credit came through in a BIG way!

I just checked my credit and my credit scores went up over 140 points in just 4 months. It was such a relief to know that all the issues that have been stopping me from getting a home are now gone! Thank you guys – you are the best.

– Natasia K.

Don't Wait Any Longer

Get Your FREE Personal Consultation!

Get a FREE review of all THREE of your credit reports and scores from a professional credit expert!

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