Credit Smart Repair was founded in Los Angeles California in 1999. Credit Smart Repair offers unlimited consultation and a website with educational articles, blogs and videos to keep clients informed. The company focuses on credit repair, and are selective with disputes to optimize credit scores for their clients. Credit Smart Repair works directly with all three credit bureaus to ensure that their clients credit score has maximum results.

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$79.95 -119.95







The Good

  • Unlimited consultation
  • Selective with disputes
  • Money-back guarantee


Credit Smart Repair offers unlimited credit consultation from their team of credit specialists. A lot of similar companies limit consultations and in place offer forums that can take days to get responses to. Clients appreciate the ability to call and receive personalized information to their questions within minutes. The website also offers a plethora of videos, articles and blogs to help clients become more informed. Some of these articles discuss common myths about credit, the importance of credit scores and tips on how to improve credit.

Selective with Disputes

Credit Smart Repair recognizes that some disputes can actually lower your credit score. The specialists focus on the items that will improve credit scores and leave the items that if removed would lower credit scores. The specialists customize each plan to tailor to the client’s specific needs. Credit Smart Repair customer’s see results within 30-45 days and offer a 90 day money back guarantee on their services.

The Bad

  • Limited plans
  • Must call in for updates

Limited Plans

Credit Smart Repair only offers one package, the Correction Program for $99 monthly with an additional initial fee of $100. Other credit repair companies offer different packages to tailor to credit repair needs. Some of these varying packages may offer more in depth services for higher prices, or have specialized services for clients with extreme circumstances. Credit Smart Repair states that clients with extreme situations tend to stay on the program for a longer period of time.

Call in for Updates

Credit Smart Repair does not offer a portal or platform to check the progress of disputes. They also do not offer a calling service to update clients. If a client would like to know the status or progress of their disputes they must call. This can be inconvenient for clients depending on call waiting time. Similar credit repair companies offer online sources to view the progress of their disputes.

The Bottom Line

Credit Smart Repair has a lot to offer customers and at an industry average price. Unlimited consultation with credit specialists is a really great service that they offer. There are some drawbacks in the service, such as not having an online portal to view progress of disputes. Published results would also help potential customers in their decision making process. It is recommended that any potential customers research their options before choosing to repair their credit with Credit Smart Repair.

Frequently Asked Questions

How much does Credit Smart Repair services cost?

Credit Smart Repair offers one plan, the Correction Program which costs $99 monthly. The first month has an additional $100 initial fee.

Does Credit Smart Repair allow me to enroll more than one person or my whole family?

No, Credit Smart Repair does not allow you to enroll more than one person or your family.

How does Credit Smart Repair repair my credit?

Credit Smart Repair will retrieve your credit report from all three credit bureaus. A credit specialist will analyze and find the negative and incorrect items that should be disputed. The specialist will then fill the necessary documentation to start removing these negative and incorrect items. The specialist will stay in contact with the credit bureau until these items are corrected.

How long will it take before I start to see results with Credit Smart Repair?

You should see results within 30-45 days. Most clients use the Credit Smart Repair program for 6-8 months. Clients with extreme circumstances stay on the program for approximately 12 months.

How can I contact Credit Smart Repair?

Phone: (877)567-4529
Fax: (661)215-5147
Email: [email protected]
Office Hours: Monday-Friday 8:00 am – 5:00 pm PST

More Information

Price Breakdown

Correction Program- Initial Fee $100, $99 monthly
Custom plan tailored to the client’s circumstances.
Credit analyzer software to get the maximum improvement for the client’s credit score.
Works directly with the credit bureaus and collection agencies.

How It Works

Step #1: Signup
When you sign up with Credit Smart Repair, your credit reports will be analyzed. After the initial analysis, the experts will identify the items that need to be disputed. The experts will then prepare a plan to help you receive your optimal credit score.

Step #2: Dispute
After identifying the items and preparing a plan, the experts begin drawing up the needed documents and work directly with the credit bureaus on your behalf. The experts focus on removing the items that are inaccurate and negatively impacting your credit. The experts will stay in contact with the credit bureaus throughout the process.

Step #3: Results
In as little as 30 – 45 days you can expect to see some results. You can ask questions and receive some consulting. The experts will continue to repeat the dispute process until your credit score is optimal or you have cancelled your subscription. You must call to keep up to date with your dispute and credit progress.

What to Expect when Signing up

1. From the Home page navigate your way to the Contact page. You can find this at the very bottom of the home page.
2. Once you click the Contact link the page will load. You can choose to call or fill out a form to have an agent call you. To fill out the form, scroll down the page until you see the form. Fill in your name, email, phone number, best time to call and other necessary fields.
3. Once you have filled out the form, click the + Send Email button.
4. You should receive an email and a call from an agent soon after the form submission.

What can be removed?

Credit Smart Repair can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. Credit Smart Repair cannot remove negative items that are 100 percent accurate and free from error.

  • Credit Inquiries
  • Late Payments
  • Collection Accounts
  • Liens
  • Repossessions
  • Judgements

Published Results

Credit Smart Repair does not provide any published results at this time. Credit repair companies often include published results to show how their services have helped improve their customer’s credit scores. By publishing these results potential customers can see the average success of current and past clients. Note that not publishing these results does not reflect positively or negatively on Credit Smart Repair, but should be considered by potential clients who are researching credit repair companies.

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