The Fair Credit Reporting Act (FCRA) empowers you with the legal right to dispute any information present on your credit report that you believe to be inaccurate, incomplete, or outdated. This legislation serves to ensure the accuracy and fairness of the information contained in your credit files, enabling you to actively participate in the maintenance of your creditworthiness. By leveraging the dispute process under the FCRA, you have the opportunity to rectify inaccuracies and enhance the overall precision of your credit history.

In short, we challenge the negative information affecting your credit by sending letters on your behalf to the bureaus. Simultaneously, we assist you with building credit to aid in increasing your credit score.

We can assist with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

You can start to see results in as little as 30-45 days. While there is no exact timeframe we can provide by law on how long it will take to complete your profile, we recommend being enrolled in the program at least 6 months. Depending on your credit profile, it may take longer.

Payment reimbursed if no results within 60 days.

Yes, you can. However, be prepared in knowing it takes a lot of time and effort to effectively complete the job; including studying credit law to educate yourself, contacting creditors, collection agencies, the 3 bureaus, verifying information, settlements etc… Many people choose to have a credit expert complete the work on their behalf as it is their profession- similar to having a mechanic perform your car’s repair.

There is a contract that entails our service agreement, however, you may cancel at anytime.

No, this is one of the most common misconceptions about credit. Checking your credit score will never negatively affect your credit. All SmartCredit does is compile your existing information from Experian, Equifax, and Transunion in one setting.

SmartCredit allows us to use a complex system to compile a full credit report audit on your behalf. Within the report, you will see any and all negative items on your report (charge-offs, collections, late payments, repossessions, etc). During our call, we will go over the comprehensive audit together.

Contrary to a common misconception, settling a collection doesn’t guarantee an increase in your credit score. In reality, many collections agencies do not remove the negative item from your credit report even after payment. That’s why we strongly advise against paying any collections while utilizing our credit repair services, as it is unnecessary and will not result in a credit score improvement.

Numerous factors impact your current and future credit score. For instance, if your utilization stays above 50% post-removing negative items (like charge-offs, medical collections, etc.), your score may linger below 700. However, by adhering to our tailored strategy, we assure a minimum score of 720 after completing the credit repair process.

You’ll have access to the same monthly credit report we receive, providing transparency in our assessment. Our disputes align with the latest credit report each month. If you encounter any login issues, reset your Username and/or Password. Ensure you inform our team at Supremecredit01@gmail.com for assistance with your login reset.