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Finally, Credit Repair You Can Trust. Simple and Risk-Free.
Take control of your credit today, without the stress.
Bad credit can cost you thousands in higher rates and lost opportunities. Our all-inclusive Smart Plan helps you rebuild your credit quickly and with complete peace of mind.
✅ 90-Day Money-Back Guarantee If we don’t deliver, you don’t pay.
🛡 We fight all 3 credit bureaus (TransUnion, Experian, and Equifax) so nothing slips through the cracks.
⚡ Remove collections, late payments, and other unfair items directly at the source, giving you a cleaner report and a stronger score.
📈 Boost your score for the long haul with ongoing credit education that keeps you from slipping back into old traps.
👨👩👧 Protect your family with $1 Million in ID theft insurance, included free.
📩 Get personalized dispute letters every month — ready to print, sign, and send in just minutes.
🔑 Unlock exclusive tools & member-only perks designed to keep you ahead.
100% Risk-Free
Your success is guaranteed,or your money back within 90 days.
"I went from denied everywhere to approved in just 6 months. Worth every penny." - Sarah M.
Over 7,500 clients have improved their credit with our Smart Plan
Credit Repair You Can Trust. 100% Risk-Free.
Take control of your credit today, without the stress.
LIMITED TIME OFFER
Get started today for FREE
And your 1st month is on us!
$79/month recurring, cancel anytime
🛡 We fight all 3 credit bureaus (TransUnion, Experian, and Equifax) so nothing slips through the cracks.
⚡ Remove collections, late payments, and other unfair items directly at the source, giving you a cleaner report and a stronger score.
📈 Boost your score for the long haul with ongoing credit education that keeps you from slipping back into old traps.
👨👩👧 Protect your family with $1 Million in ID theft insurance, included free.
📩 Get personalized dispute letters every month — ready to print, sign, and send in just minutes.
🔑 Unlock exclusive tools & member-only perks designed to keep you ahead.
100% Risk-Free Guarantee
Your success is guaranteed. If we don’t deliver, you don’t pay.
"I went from denied everywhere to approved in just 6 months. Worth every penny." - Sarah M.
Why Clients Choose Smart Dispute
Other Major
Credit Repair Companies
Monthly Credit Updates
Stay informed with monthly credit report updates and real-time alerts on any changes. Unlike others who charge extra or provide limited updates, we keep you in the loop at no additional cost.
FREE
$30+
Additional Monthly Cost
Monthly Credit Scores
Track your progress with monthly credit scores from all three bureaus at no extra cost. Many companies limit access or charge more, but we keep you fully informed every step of the way.
Personalized Credit Action Plan
Your credit journey is unique, and so is our approach. Your dedicated Credit Specialist analyzes your reports and creates a strategic step-by-step plan designed to help you reach your goals faster. We do more than dispute bad credit. We partner with you every step of the way.
Set Up Fee
No setup fees, no surprises, just straightforward pricing. While other companies charge extra just to get started, we believe in upfront, transparent pricing from day one.
$0
$299+
Before they even get started!
Why Clients Choose Us
Monthly Credit Updates
Stay informed with monthly credit report updates and real-time alerts on any changes. Unlike others who charge extra or provide limited updates, we keep you in the loop at no additional cost.
Monthly Credit Scores
Track your progress with monthly credit scores from all three bureaus at no extra cost. Many companies limit access or charge more, but we keep you fully informed every step of the way.
Personalized Credit Action Plan
Your credit journey is unique, and so is our approach. Your dedicated Credit Specialist analyzes your reports and creates a strategic step-by-step plan designed to help you reach your goals faster. We do more than just dispute bad credit—we work together with you.
Set Up Fee
No setup fees, no surprises, just straightforward pricing. While other companies charge extra just to get started, we believe in upfront, transparent pricing from day one.
Money-Back Guarantee
Your progress is protected by a 90 day money-back guarantee. If we don’t improve your credit, you get a full refund with no hidden terms.
Here’s How Billing Works
Our billing is clear and simple.
Once you sign up, we bill you every 30 days for the work we’ve already completed on your case.
You’re only billed after we complete your first month of work. If we don’t deliver results, you don’t pay.
What Our Clients Are Saying...
Real people. Real results. Real credit turnarounds.
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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.
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© 2025 Smart Dispute LLC 5 Union Square West Ste 1060, New York, NY 10003. All Rights Reserved.