Three quick steps and you're done. Activate SmartCredit, set up your Experian account (skip if you already have one), then send us your logins through the Client Portal app. Our dispute team begins Round 1 within 48 hours.
Three quick steps. Check each one off as you complete it — your progress saves automatically, and your dispute team starts the moment the roadmap is done.
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.
The moment a deletion hits or a bureau responds — we see it. That's how we run the 4-round protocol on signal-driven cadence instead of monthly intervals.
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 feed active for our team.
An Experian account establishes your verified identity on file at Experian — the cleanest, most direct path your disputes can travel. If you already have one, jump straight to Step 03 and submit your existing login. If not, set one up below in about 5 minutes.
Skip the account-creation steps below. You'll still need to submit four things to us in Step 03: your Experian username, password, 4-digit account PIN, and security question + answer. If you don't remember your PIN or security answer, log in to Experian and update them now so you have them ready.
Filing through your own verified Experian account shuts down the two biggest stall tactics — "we can't verify your identity" and "this doesn't appear to have been sent by you." It's one of the highest-leverage moves on your file.
This is the final step. This is also the step every client asks about — so here's exactly what to do, in order. Once your logins reach us, your dispute team activates your file and Round 1 letters begin drafting immediately.
Open the text message we sent you and tap the App Store (iPhone) or Google Play (Android) link to install. Can't find the text? Text the support line at the bottom of this page and we'll resend the link.
Your username and a temporary password were included in that same text. Use them to sign in. If you can't find the text, tap "Forgot Password" on the login screen to reset.
On first login the app will prompt you to review and sign your service agreement. You can't move forward without it — it takes about 60 seconds.
From your dashboard, tap Messages in the menu, then tap the + New Message button at the top right of the message screen.
Copy the template, paste it into the new message, and fill in your credentials for each account. Experian requires four fields: username, password, 4-digit PIN, and security question + answer. Tap Send Message when done.
Your Client Portal app is the only secure place we collect login details. We will never ask for your logins by text, email, or phone — if anyone ever requests them through those channels, it isn't us. Inside the app, your credentials are encrypted in transit and only used by your dispute team to monitor and dispute on your behalf. You can change either password at any time to revoke access.
A real-time look at what your dispute team executes the moment your roadmap is complete.
Full audit of all 3 reports. Every derogatory item flagged and mapped to FCRA, FDCPA, and Metro 2 compliance angles.
Initial dispute letters drafted, reviewed, and filed with all relevant bureaus and furnishers. Confirmations posted to your portal.
Comprehensive progress report via SMS + email. Real-time portal access 24/7 from day one.
Bureau responses received. Successful deletions post to your file. Score movement on your next pull. Round 2 queued.
"From a 540 to a 720 in 90 days. They closed on my house using the score they helped me build."
"They removed 9 collections in the first round. Nine. None of the three companies I used before got close."
"Got approved for $150K in business funding 4 months after starting. Worth every dollar."
Results DisclosureTestimonials reflect individual client outcomes and are not representative of typical results. Outcomes vary based on file complexity, the volume and type of derogatory items, furnisher and bureau response patterns, and client engagement. Credit Repair Evolved does not guarantee any specific score increase, deletion count, funding approval, or timeline. All clients receive the same protocol; outcomes are file-specific.
The top questions at this step. Anything else — reach out through Support below.
Inside your Credit Repair Evolved mobile app, in the Message Center. Download the app from the text we sent you, log in with the credentials we provided, sign the user agreement, then tap Messages → + New Message and paste in the login template from Step 03 above (SmartCredit + Experian only). We will never ask for your logins by email, text, or phone — the app's Message Center is the only place we collect them.
Text our support line at (619) 261-8465 and we'll resend the download link immediately. If you've already installed the app and just forgot your login, tap "Forgot Password" on the app's login screen to reset.
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, their monthly subscription keeps your feed active — it's how we see deletions and bureau responses in real time.
If you already have one, no — just submit your existing login in Step 03 and you're done with this step. If you don't, yes — please set one up. It's free, takes about 5 minutes, and filing through your own verified Experian account shuts down the "we can't verify your identity" stall tactic that bureaus use to ignore disputes. No credit card required; decline any paid Experian upsells when you create the account. Heads up: Experian requires a 4-digit account PIN and a security question + answer at account access — you'll need to submit all four pieces (username, password, PIN, and security Q+A) in Step 03 so our team can access the file on your behalf.
Yes — when submitted through your authenticated Client Portal app. Credentials are encrypted in transit and used only by your dispute team to monitor and dispute on your file. You can change either password (SmartCredit or Experian) at any time to revoke access, and you retain full control of your accounts throughout. Never submit credentials via plain text, email, or to anyone who calls or messages you outside the app.
Most clients see their first deletions within 30–45 days of activation. Full optimization through all 4 rounds typically runs 90–120 days. Your first status update arrives on day 14, with real-time portal access 24/7 in between.
Text the support line below — we respond within an hour during business hours. Prefer to walk through it live? Book a 15-minute setup call via Support. We'll get you through it fast.
Real humans on standby Monday–Friday, 9am–5pm PT. Finished setup means we can start engineering disputes on your file.