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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 ...
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 ...
Do you offer unlimited disputes?
Yes, however we are very careful with the timeline for sending out unlimited disputes. Based on our experience, anything more than 6 disputes at a time tends to raise red flags with the credit bureaus. When too many items are disputed at once, the ...
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 ...
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 ...
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 ...
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 ...
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 ...
Do I have to mail the dispute letters myself?
Yes, but we make it quick and easy. Each month, your dedicated Credit Specialist prepares your customized, ready-to-print dispute letters and sends them straight to your email. All you do is print, sign, and drop them in the mail. This isn’t just ...
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 ...