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FAQs > Signing Up

Why choose Smart Dispute over free self-service credit repair?

As the saying goes... "If you’re not paying for the product, then you are the product." While free self-service credit repair tools may initially seem appealing, they often come with significant downsides that can cost you more time, effort, and money in the long run: - Upsells and Limited Resources: Many "free" credit repair services are essentially fronts to get you to sign up for their own credit monitoring services. These tools usually offer limited features, pushing you toward paid plans ...

How does Smart Dispute compare to other companies?

At Smart Dispute, we offer a level of service and value that sets us apart from other credit repair companies. Here’s how we compare: - Comprehensive and Affordable: We provide robust credit repair solutions at a more affordable rate, delivering better value without compromising on the quality of our services. Plus, we have no setup fees—you only pay for results. - Free Scores and Monitoring from All 3 Bureaus: Unlike other companies that only monitor one bureau, we include free credit scores a...

Is credit repair a scam?

It's understandable to have concerns about the credibility of credit repair given the industry's mixed reputation. While there are indeed some disreputable companies, many professional and legitimate credit repair agencies operate ethically and within the law. At Smart Dispute, we are dedicated to setting a high standard and transforming the industry. We are committed to transparency, integrity, and effective service. Credit repair is based on your rights under the Fair Credit Reporting Act (FC...

Is credit repair worth it?

Determining the value of credit repair begins by understanding the influence your credit has in your life. In today's world, credit touches almost every facet of our lives. Subpar credit can amount to significant financial setbacks over the lifespan of a mortgage or vehicle loan. It might hinder your ability to rent an apartment, secure insurance, or land a job, and can even complicate daily necessities and choices. Whether credit repair is worth it depends on your individual circumstances, but...

Can I repair my own credit?

Absolutely! Most companies won't tell you this, but you have the right to attempt credit repair on your own. The Fair Credit Reporting Act (FCRA) ensures that consumers can directly dispute any inaccurate or unverifiable information on their credit reports. Here's how it works: - Review Reports: First, you'll need to obtain your credit reports from all three major credit bureaus—Equifax, Experian, and TransUnion, and meticulously examine each one for discrepancies. - File Disputes: If you spot ...

Why avoid filing disputes on Equifax, Experian, or TransUnion websites?

Equifax, Experian, and TransUnion are all vying for your attention, enticing you to visit their websites to sign up for their pricey credit monitoring services, while also offering the option to dispute items online. But what’s the catch? Filing disputes directly on their websites might seem like a convenient option, but it can actually work against you for several reasons: 1. Waiving Key Consumer Rights When you file disputes through the credit bureaus’ online portals, you agree to waive imp...

How much does credit repair cost?

Smart Dispute offers a range of service levels, each designed to provide increasingly comprehensive credit repair solutions tailored to your needs. While other companies may treat clients as just numbers and rely on generic form letters, at Smart Dispute, we believe in offering exceptional, personalized service. Our tiered plans and competitive rates ensure that every client receives the highest quality of credit repair, regardless of the complexity of their situation. Each client is paired wi...

Do you offer unlimited disputes?

No, we do not offer unlimited monthly disputes. Based on our experience, anything more than 6 disputes per month tends to raise red flags with the credit bureaus. When too many items are disputed at once, the bureaus may consider them “frivolous” and assume that every item is being challenged without proper basis. This can delay results or, worse, limit the effectiveness of your dispute process altogether. Instead of a one-size-fits-all approach, we provide a personalized, strategic plan for yo...

How long before I see results?

The duration of credit repair can vary widely based on individual circumstances. Typically, it ranges from a few months to over a year, influenced by the number and complexity of issues on your credit report, your active participation, and the responsiveness of credit bureaus and creditors. At Smart Dispute, our clients often see an average credit score increase of 40-100 points within five months. While we strive to achieve these results for everyone, it's important to note that credit repair ...

Do you offer a couples or family discount?

Yes! At Smart Dispute, we value relationships and understand the importance of managing finances together. To support our clients who wish to undergo credit repair alongside their partner or with family members, we are pleased to offer a special couples and family discount. We believe that taking steps together towards financial stability can be both a beneficial and bonding experience, and we want to encourage and facilitate that journey for you. Please reach out to our Support (https://www.s...

Can I sign up over the phone?

Unfortunately, signing up over the phone isn't an option. We’re glad to assist our current clients by phone, but we are unable to process sign-ups or consultations for new clients over the phone. This is due to federal regulations that severely restrict the sale of credit repair services by phone. While it may seem unfair, we strictly adhere to these rules to ensure we’re operating legally. Unlike amateur companies that often make up their own rules, we prioritize doing things the right way. B...

What is your Money Back Guarantee?

At Smart Dispute, our mission is to challenge and remove questionable negative entries on credit reports. We stand behind our service with a robust 90-Day Money-Back Guarantee. If, within this period, you haven't experienced the deletion or update of any questionable or negative items from your credit report, you're entitled to a full refund. It's important to note that while credit repair is a gradual process, our commitment to your financial well-being is unwavering. While complete credit res...