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Trusted by over 3,500 happy clients
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Over 3,500 happy clients
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Monthly Credit Reports

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
$39+
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 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.
$0
$299+
Before they even get started!

Compare For Yourself

Monthly Credit Reports

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
VS
$39+
Other Companies

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.
VS
Other Companies

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.
VS
Other Companies

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
VS
$299+
Before other companies  even get started!

Billing Schedule

Our billing is clear and simple.
Once you sign up, we bill you every 30 days, only after we've completed that month's work on your case. 
What Our Clients Are Saying...
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What Clients Are Saying...
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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.
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© 2025 Smart Dispute LLC 442 5th Ave Ste 2884, New York, NY 10018. All Rights Reserved.