One final move activates your file. Authorize SmartCredit — your live data feed — and our dispute team begins Round 1 letters within 48 hours.
SmartCredit is the real-time feed our dispute team uses to track every bureau response, monitor deletions as they hit, and push the next round of letters the moment they're triggered. It's how we move faster than any competitor relying on monthly report pulls.
The moment a deletion hits, a new tradeline appears, or a bureau responds — we see it. That's how your dispute team stays ahead of every movement on your file, and how we compress the 7-round system into 6–9 months instead of 18+ that competitors deliver.
SmartCredit is a third-party monitoring platform, not a CRE product. The $1 is their trial fee, not ours. After trial, their monthly subscription keeps the live feed active for our team.
Once SmartCredit is active, log in to your Client Portal and submit your SmartCredit username and password through the secure form there. Your portal is the only place login credentials should be submitted — never by email, text, or phone. Once we receive the credentials, your dispute team takes over your file and Round 1 letters begin drafting immediately.
A real-time look at what your dispute team is executing on your file from the moment SmartCredit is active.
Full audit of all 3 reports. Every derogatory item flagged and mapped to specific FCRA, FDCPA, and Metro 2 compliance angles. Dispute strategy built.
Initial dispute letters drafted, reviewed, and sent via certified mail to all relevant bureaus and furnishers. Tracking numbers posted to your portal.
Comprehensive progress report delivered via SMS + email. Real-time portal access 24/7 from day one — check anytime you want.
Bureau responses received. Successful deletions post to your file. Score movement reflected on your next pull. Round 2 queued.
A snapshot of what happens when clients move through the protocol. Your file is next.
"From a 540 to a 720 in 90 days. They closed on my house using the score they helped me build. I'm a homeowner because of these guys."
"They removed 9 collections in the first round. Nine. I've used three other companies and none of them got close to that."
"Got approved for $150K in business funding 4 months after starting. The team treats it like their money on the line. Worth every dollar."
The top questions we get at this step. Anything else — reach out through the support channels below.
SmartCredit is a third-party monitoring service we use as your live data feed. The $1 is their trial fee, not ours. After the trial period, their monthly subscription covers the cost of keeping your feed active — it's how we see deletions and bureau responses in real time. Without it, we're working blind and disputes slow down significantly.
Inside your Client Portal — the same portal you created in Step 02. There's a secure section to enter your SmartCredit username and password. Never send login details via email, text, or phone. Your portal is the only secure place to submit them.
Yes — when submitted through your encrypted Client Portal. Credentials are stored securely and used only by your dispute team to monitor your file in real time. You can change your SmartCredit password at any time to revoke our access, and you retain full control of your account throughout the protocol.
Most clients see their first deletions within 30–45 days of activation. Total file optimization through all 7 rounds typically runs 6–9 months depending on your file's complexity. Your first comprehensive status update arrives on day 14, and you have real-time portal access 24/7 for updates in between.
Text the support line below — we respond within an hour during business hours. If you'd rather walk through it live, book a 15-minute setup call via the link at the bottom of this page. We get more done when you finish setup, so we're motivated to get you through it.
Yes — everything is fully mobile-optimized. SmartCredit signup, your Client Portal, and every page in this onboarding flow work on any device. Most clients complete Step 03 entirely from their phone in under 5 minutes.
Real humans on standby Monday–Friday, 9am–5pm PST. We get paid when you finish setup, so we're motivated to walk you through any friction.