Late Payments Challenged Hard Inquiries Challenged Collections Challenged Charge-Offs Challenged Repossessions Challenged Credit Report Review Score Improvement Guidance Late Payments Challenged Collections Challenged Late Payments Challenged Hard Inquiries Challenged Collections Challenged Charge-Offs Challenged Repossessions Challenged Credit Report Review Score Improvement Guidance Late Payments Challenged Collections Challenged
Smart Capital Partners Free Consultation
673 Credit Snapshot
+46 pts Tracked Progress
Credit Repair • Report Review • Dispute Strategy

Build A Stronger Credit Profile With A Clear Repair Strategy

Start with a focused credit review, understand what may be holding your report back, and get a guided plan for the next move.

View Credit Repair Plans → Start Free Credit Review
0K+

Credit Report Items Assessed

+0

Points Tracked In Client Progress

0K+

Custom Dispute Actions Prepared

0K+

Follow-Up Touchpoints Managed

0+

Years Helping Clients Build Credit

Packages

Choose The Credit Repair Support Level

Select the level of support that fits your current credit situation. Checkout pages are linked, and the credit report access link will be updated once SmartCredit is provided.

Required Before Review

Credit Report Access Comes First

Before a call is booked, clients need an updated credit report available. This gives the team the information needed to review the file, identify key items, and recommend the right next step.

Get Credit Report Link →
Starter Review

Silver Plan

$894 $697

single program fee

credit monitoring may be required
  • Personal information review
  • Late payments challenged
  • Collections challenged
  • Charge-offs challenged
  • Hard inquiries challenged
  • 3-bureau dispute preparation
  • FCRA and FDCPA-based strategy
  • Email and SMS status updates
  • Client portal access
Best for: Clients who need a focused start with common negative items.
Checkout Silver
Expanded Support

Gold Plan

Popular Upgrade
$1,097 $897

one-time program fee

credit monitoring may be required
  • Everything in Silver included
  • Bankruptcy records challenged
  • Repossessions challenged
  • Student loans challenged
  • Medical bills challenged
  • Public records review
  • Metro 2 dispute strategy
  • Goodwill letter assistance
  • Utilization guidance
  • Monthly progress reports
Best for: Clients with deeper credit issues or public record concerns.
Checkout Gold
Recommended
Priority Guidance

Platinum Plan

White-Glove Support
$1,997 $1,497

guided repair program

credit monitoring may be required
  • Everything in Gold included
  • Priority dispute preparation
  • Dedicated credit specialist
  • Identity theft support guidance
  • Rapid rescore coordination support
  • Preferred funding partner access
  • Advisor access during business hours
  • Real-time score tracking
  • Funding introductions when available
Best for: Clients preparing for funding, mortgage goals, or a more guided process.
Checkout Platinum
Complete Support

Signature Plan

Custom $2,000

complete program

credit monitoring may be required
  • Everything in Platinum included
  • Full 3-bureau dispute strategy
  • Public record support guidance
  • Dedicated specialist assigned
  • Priority dispute preparation
  • Monthly progress reports
  • Client portal access
  • Long-term credit guidance resources
Best for: Clients who want the most complete guided repair experience.
Checkout Signature
Credit repair results vary by client. No specific score increase, deletion, approval, or funding outcome is guaranteed.
Credit Report Review

The Items We Look For Inside Your Credit Report

Your credit file can include payment history issues, collection accounts, public records, and reporting details that may affect how lenders view your profile.

Smart Capital Partners reviews the report, identifies the areas that need attention, and helps guide the next step with a focused repair strategy.

Start Credit Review →
01 Review Area

Late Payments

Missed or delayed payment history can weaken a credit profile and may need to be reviewed for accuracy and reporting details.

What this helps with: Understanding which reported items may deserve closer review before creating the repair strategy.
Your Credit Repair Roadmap

Start The Process. Build Better Credit Direction.

A simple roadmap that shows how clients move from report review to action, tracking, and long-term credit guidance.

Step One

Review The Report

We start by reviewing the credit report and identifying the items that may need attention.

Credit file analysis
1
2
Step Two

Build The Strategy

A focused plan is created based on the report, the client’s situation, and the best next step.

Personalized action plan
Step Three

Prepare The Disputes

Dispute actions are prepared for items that may be inaccurate, incomplete, or unverifiable.

Dispute preparation
3
4
Step Four

Track The Progress

Updates and responses are monitored so the client knows where things stand throughout the process.

Status and progress tracking
Step Five

Guide The Rebuild

Clients receive guidance designed to support better credit habits and stronger positioning over time.

Long-term credit guidance
5
850 Your Target
Poor300-579
Fair580-669
Good670-739
Very Good740-799
Excellent800-850
Understanding Your Score

Know What Your Credit Score Is Telling Lenders.

Your score can affect approvals, interest rates, credit limits, housing, auto loans, and business funding opportunities. The goal is to understand where you are now and what needs to improve.

300-579

Needs Attention — May limit approval options and lead to higher rates.

580-669

Fair — May qualify for some offers, often with less favorable terms.

670-739

Good — May improve approval chances and reduce borrowing costs.

740-799

Strong — May help qualify for better rates and stronger offers.

800-850

Excellent — May help unlock the most favorable lending opportunities.

Find Out Where You Stand →
Client Examples

Credit Progress Shown Clearly.

These examples show how progress can be tracked across the major bureaus during the credit review and repair process.

Example outcomes only. Results vary by client profile, reporting history, creditor response, and individual circumstances. No specific score increase or deletion is guaranteed.

Get My Free Analysis →
SM

Sarah M.

Mortgage preparation review

Experian 519 748
TransUnion 524 743
Equifax 521 746
↑ Example Progress: +225 Points
“I finally understood what was affecting my report and what steps I needed to take next.”
Timeline varies by credit profile
JG

Jeffrey G.

Funding readiness review

Experian 441 759
TransUnion 438 753
Equifax 443 757
↑ Example Progress: +314 Points
“The review gave me a clear picture of what needed attention.”
Timeline varies by credit profile
CL

Cassidy L.

Credit cleanup review

Experian 394 697
TransUnion 399 693
Equifax 397 695
↑ Example Progress: +298 Points
“The process helped me feel more informed and organized.”
Timeline varies by credit profile
CR

Chris R.

Report accuracy review

Experian 554 711
TransUnion 558 715
Equifax 557 713
↑ Example Progress: +156 Points
“Everything felt professional and easier to understand.”
Timeline varies by credit profile
Packages

Choose The Credit Repair Support Level

Select the level of support that fits your current credit situation. Checkout pages are linked, and the credit report access link will be updated once SmartCredit is provided.

Required Before Review

Credit Report Access Comes First

Before a call is booked, clients need an updated credit report available. This gives the team the information needed to review the file, identify key items, and recommend the right next step.

Get Credit Report Link →
Starter Review

Silver Plan

$894 $697

single program fee

credit monitoring may be required
  • Personal information review
  • Late payments challenged
  • Collections challenged
  • Charge-offs challenged
  • Hard inquiries challenged
  • 3-bureau dispute preparation
  • FCRA and FDCPA-based strategy
  • Email and SMS status updates
  • Client portal access
Best for: Clients who need a focused start with common negative items.
Checkout Silver
Expanded Support

Gold Plan

Popular Upgrade
$1,097 $897

one-time program fee

credit monitoring may be required
  • Everything in Silver included
  • Bankruptcy records challenged
  • Repossessions challenged
  • Student loans challenged
  • Medical bills challenged
  • Public records review
  • Metro 2 dispute strategy
  • Goodwill letter assistance
  • Utilization guidance
  • Monthly progress reports
Best for: Clients with deeper credit issues or public record concerns.
Checkout Gold
Recommended
Priority Guidance

Platinum Plan

White-Glove Support
$1,997 $1,497

guided repair program

credit monitoring may be required
  • Everything in Gold included
  • Priority dispute preparation
  • Dedicated credit specialist
  • Identity theft support guidance
  • Rapid rescore coordination support
  • Preferred funding partner access
  • Advisor access during business hours
  • Real-time score tracking
  • Funding introductions when available
Best for: Clients preparing for funding, mortgage goals, or a more guided process.
Checkout Platinum
Complete Support

Signature Plan

Custom $2,000

complete program

credit monitoring may be required
  • Everything in Platinum included
  • Full 3-bureau dispute strategy
  • Public record support guidance
  • Dedicated specialist assigned
  • Priority dispute preparation
  • Monthly progress reports
  • Client portal access
  • Long-term credit guidance resources
Best for: Clients who want the most complete guided repair experience.
Checkout Signature
Credit repair results vary by client. No specific score increase, deletion, approval, or funding outcome is guaranteed.