Everything you need in 1 low monthly payment
$199(1-time, first-work fee)
Credit Report Audit
24/7 Online Portal Setup
Credit Building Resources
Customer Support Onboarding Call
$99.00/a month after
Unlimited Credit Bureau Disputes
Unlimited Creditor Direct Disputes
Expert Collection Validation
Live Customer Support
It takes less than 60 seconds for you to start improving your credit with personalized disputes, live customer support, credit building guidance, and much more!
All transactions are secured.
Score Tracker, Builder & Master
Smart Credit Report®
ID Theft Alerts
$1MM ID Fraud Insurance*
ScoreTracker, ScoreMaster, and ScoreBuilder will help your credit score increase like never before. Having a good credit score, the more likely you’ll qualify for credit cards, house and car loans at the favorable terms. Up your credit score now with Identity IQ.
*Disclaimer: Identity IQ is a Third-Party Company.
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.
All transactions are secured & encrypted
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.
We average 5/5 stars
Anna is the best! She listened to my concerns, explained my options, made me laugh and most importantly there was zero judgement. Such a great experience!
I highly recommend smart choice to anyone looking to get credit right. Working with Garry and Anna has really made this process so much easier. They both answered all my questions and walked me thru the process and helped me raise my scores and dispute all negative items. This is a process but the outcome was well worth the wait. Thank you Smartchoice credit
I was referred thru a friend, & when I called and told them what the issue was. They instantly got me taken care of knew exactly what I needed done. I highly recommend SmartChoice, DIDNT take long for them to help my credit and achieve my goal I wanted.
I hired SmartChoice Credit after some unexpected items appeared on my credit. They started disputing the items immediately! I cannot recommend a better company to work with, I was in contact with Anna and her team throughout the entire process!
Great service. Highly recommend!
The customer service is wonderful!! Such an easy process! the walk through was smooth and I felt comfortable with trusting this company. Highly recommend!
Best service, customer care at its finest. Highly recommended to get you back on track.
With the help of Anna I was able to purchase my first home, she helped me increase my credit score over 100 points. I live in St. Louis, MO and even being so far away we maintained communication and the peace of mind of her backing me up was impressive. I highly recommend that even if you're not local she will fight for you.
I highly recommend Smart Choice Credit for your credit repair needs. With the help help of Anna Alcoser and her team I was able to raise my credit score 100 plus points in just about 60 days and purchase my new home!! Anna is very professional and detail oriented while still adding that personal touch. They get the job done and I would definitely do business with them again!
The team at Smart Choice credit helps my clients from start to finish on getting their credit up. They communicate at a high level and set proper expectations. I highly recommend them
When I tell you this is a reputable company offering top notch credit repair services, it's an understatement. They helped a friend of mine with credit repair counseling and services and this year, thanks to Anna, a credit repair specialist with Smart Choice, my friend was able to purchase her first home. I'm so proud of her. Smart Choice made that possible. I had an unfamiliar creditor on my report and went to SmartChoice for guidance. Not only did they investigate, they got the creditor removed from my report which ultimately got my credit line increased! I will not be going to any other credit repair company because smart choice has never let me down. I recommend them to anyone wanting to get their credit in order. Responsive time was great, Anna provided professional service and guidance, even follow up calls.
Garry and his team are phenomenal! The communication and education behind the process is amazing. If you’re personally needing to clean up your own situation or know someone else that needs their services, I highly recommend it.
SmartChoice credit really gets things done! They have an amazing team that I can trust and is always available. I would recommend anyone who has questions on credit repair to call them and let them take care of you.
I highly recommend this company! Anna Alcoser and the team are great! If you're looking to increase your credit score and have some negative accounts removed don't hesitate to give them a call. They are there to help you!
Very friendly and professional staff. Overall amazing experience with the company they have helped my credit and have helped me make an action plan for the future. Would recommend it.
Thanks to Walter my score went up 200 points, now I am able to a get car and look into homes with confidence. Thanks again Walter
After using Lexington Law I was skeptical to use another Credit repair company, but I have to say this was the best decision I have made. They have been on top of everything that has to do with my credit and only after two months they have removed so many negative things from my credit and I am close to being able to purchase my home and I would not be able to do this without these people! I would highly recommend them to anyone looking to do repair work on their credit and you can not go wrong working with this business! The price is worth it 100%.
My score went up 60 points in 2 months and I'm super happy with the service.
Highly recommend. He has boost my credit 100pts in a month and a half. Ernie gives you the break down on how credit works and what needs to be done. Easy to communicate with and easy to do business. New assistant is so pleasant to talk too and she as well makes it easy to do business. I recommend his services to anyone having any credit issue. He is helping me get one step closer to owning my own home thank you Ernie!
Wow! I have been working with Ernie for 3 months, and he is bumped my credit score up 100+. I highly recommend him. I was a skeptic about credit repair, until God brought me to him. Good job Ernie, and thank you for all you haveve done for my family.
Agent was friendly and very helpful. He explained everything to me. He took his time and was not rushing to get me out like other tax places I have been to. I would definitely recommend to my family and friends!! Thank you A & A I will be coming back next year for sure!