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How Our
Credit Repair Works

A simple, three-step process to repair your credit quickly and affordably.

Smart Dispute helps remove what’s holding your score back — so you can finally move forward.

Smart Dispute helps remove what’s holding your score back — so you can finally move forward.

  • Collections
  • Late Payments
  • Charge-offs
  • Identity Theft
  • Judgements
  • Bankruptcies
  • Collections        
  • Late Payments
  • Charge-offs      
  • Identity Theft 
  • Judgements     
  • Bankruptcies  

How It Works:

Step 1: Signup

When you sign up, we immediately pull your credit reports and organize them in a way that highlights the items you may want to challenge or change. This targeted approach allows us to focus our efforts precisely and build a customized game plan that aligns with your personal goals and needs.

Step 2: Relax

It's crucial to have experts on your side. While you relax, we take the lead, holding credit companies accountable to their legal obligations and ensuring those changes are accurately reflected on your reports. We know the industry inside and out — and we leverage the rules to work in your favor.

Step 3: See Results

We make it easy for you to stay connected to your progress as you work toward your credit goals with our user-friendly tools, including:
  • A secure online dashboard       
  • Score tracker and analysis        
  • Credit education & rebuilding
We know that every credit situation is unique, which is why we tailor a game plan specifically to your credit goals. With our deep understanding of credit repair laws, you can trust that we’ll use the most effective strategies to deliver fast, impactful results.

How It Works:

Step 1: "Signup"

When you sign up, we immediately pull your credit reports and organize them in a way that highlights the items you may want to challenge or change. This targeted approach allows us to focus our efforts precisely and build a customized game plan that aligns with your personal goals and needs.

Step 2: "Relax"

It's crucial to have experts on your side. While you relax, we take the lead, holding credit companies accountable to their legal obligations and ensuring those changes are accurately reflected on your reports. We know the industry inside and out — and we leverage the rules to work in your favor.

Step 3: "See Results"

We make it easy for you to stay connected to your progress as you work toward your credit goals with our user-friendly tools, including:
  • A secure online dashboard       
  • Score tracker and analysis        
  • Credit education & rebuilding
We know that every credit situation is unique, which is why we tailor a game plan specifically to your credit goals. With our deep understanding of credit repair laws, you can trust that we’ll use the most effective strategies to deliver fast, impactful results.

How long it takes:

On average, our clients see meaningful credit improvements in just 3–6 months.

How long it takes:

On average, our clients see meaningful credit improvements in just 3–6 months.

Watch How Smart Dispute Improves Your Credit

Bonuses Included with Enrollment

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Equifax is a registered trademark of Equifax, Incorporated. Experian is a registered trademark of Information Solutions, Inc. TransUnion is a registered trademark of Trans Union, LLC.
FICO is a registered trademark of FICO. Other product and company names mentioned herein are property of their respective owners. No affiliation, sponsorship or endorsement is implied.
© 2025 Smart Dispute LLC 5 Union Square West Ste 1060, New York, NY 10003. All Rights Reserved.
Individual results may vary and are based on many factors. See our Money Back Guarantee for more information.
CUSTOM JAVASCRIPT / HTML
Equifax is a registered trademark of Equifax, Incorporated. Experian is a registered trademark of Information Solutions, Inc. TransUnion is a registered trademark of Trans Union, LLC.
FICO is a registered trademark of FICO. Other product and company names mentioned herein are property of their respective owners. No affiliation, sponsorship or endorsement is implied.
Individual results may vary and are based on many factors. See our Money Back Guarantee for more information.
© 2025 Smart Dispute LLC 5 Union Square West Ste 1060, New York, NY 10003. All Rights Reserved.
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