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Chargeback Policy
Chargeback Policy A chargeback not only impacts our business but can also delay or disrupt the progress we’re making on improving your credit. We are committed to resolving any billing concerns you may have. Please contact us directly for assistance ...
Can I cancel my service at anytime?
Absolutely! We don’t lock you into a contract, so you have the freedom to cancel your service whenever you choose. Our goal is to support your financial journey, so if you feel our services are no longer needed, just reach out to us. To cancel, ...
Can I request a refund?
Yes, you can request a refund within 3 days of signing up for our credit repair service. After this period, refunds are not available for services that have already been provided. However, we encourage you to explore our Money-Back Guarantee, which ...
I was charged after cancellation.
When canceling Smart Dispute’s services, please note that billing works similarly to a mobile phone plan. If you cancel mid-cycle, you may still be charged for services provided since your last payment. For example, if your billing date is the 1st ...
Will I be charged a late fee?
We do not charge late fees; however, timely payments are essential. If payment is not received by the due date, your account may be suspended or canceled. In cases where your card is declined due to insufficient funds or hasn't been updated before we ...
Popular Articles
What is Credit Repair?
Credit repair is the process of fixing bad credit through the removal of inaccuracies, mistakes, or unverifiable information on a credit report to improve and elevate a client's credit score. It often involves engaging with credit bureaus and ...
How often will I be billed?
Upon enrollment, your first payment covers the cost of obtaining your credit report, setting up your account with a Credit Specialist, and beginning the initial analysis and dispute process. After that, you’ll be billed every 30 days, at your monthly ...
How long does credit repair take?
There is no definitive timeline for credit repair, as the process varies based on each person’s credit needs. How many negative items you have, what kind of negative items they are, how quickly your creditors and the bureaus respond to challenges - ...
Can I apply for credit while doing credit repair?
We strongly advise against applying for new credit while we are repairing your credit. Applying for credit during this time can lead to additional inquiries on your report, which may lower your score and interfere with the progress we’re making. New ...
How long do negative items stay on my credit report?
Negative items can linger on your credit report for up to seven years, but that doesn’t mean you have to wait that long to see improvements. Here's how it works: Late Payments: Usually stay on your report for seven years from the date of the first ...
Learn how Smart Dispute helps repair and rebuild your credit. Explore common questions about disputes, timelines, and improving your credit score.
Get started with Smart Dispute by creating your account and beginning your credit repair journey with confidence.
Set up your Smart Dispute account, connect your credit monitoring, and prepare to start repairing your credit.
Find answers on how to manage your Smart Dispute account, view reports, track your credit repair progress, and update your information.
Update your billing details, manage payment methods, change payment types, and upgrade your service.