Credit Services has been helping people re-establish and repair their credit for over 15 years. During that time we have continually refined our strategies, to secure methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained the same when challenging inaccurate or unverifiable information from a credit report. Here are the essential steps to make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.

Step 1: Examine your credit reports

First step of the process is being able to recognize the potential issues on your credit reports. By identifying these inaccuracies you will be able to correct them in an effective and efficient manner. The Smart Credit Program will guide through the process so you can work on repairing your credit. Get your copies here at

Step 2: Develop a plan for which items to dispute

Once you identify which items need to be addressed you can start repairing your credit with the click of a button. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent item during the updated cycles.

Step 3: Follow your progress

The credit bureaus have a “reasonable amount of time”, approximately 30 days, to investigate your dispute. Within this time frame, the credit bureaus must provide proof of the discrepancies on your report or be forced to delete those negative items. Your credit reports will be updated accordingly on an ongoing basis. You will also be able to access a detailed status of this progress 24/7 at our password protected Smart Credit customer service web site.

Credit Repair Division

The Fair Credit Reporting Act gives you the right to dispute any credit listing on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable. If a credit bureau cannot verify the accuracy of a disputed listing, it must be removed from your credit report.

Access to your secure account 24/7!

Stay up to date on all activity on your credit reports. You can log into your password protected Smart Credit customer service web site account and see exactly what is being done.

Unlimited Investigations!

There are no hidden fees with our company. We give unlimited disputes and we do not charge per deleted item. Whether you have one or one hundred negatives items, you will be treated the same way.

We offer an easy way to get the credit repair process started!

Your FREE Credit Consultation!

If you’re serious about discussing ways you can improve your credit score, we’re here to help. Our credit specialists are experienced, friendly, and will help you determine the best course of action to achieve your credit goals. Call us for your free consultation at: