The Smart Credit Plan

We help our clients position for the most important financial investments in life.

Credit Education and Restoration

We do more than just write letters to help you improve your credit scores.

Why Choose Smart Credit & Lending?

The problem with many competing credit services is that they require you pay large sums of money up front but then “leave you hanging.” You literally have no idea whether they’ve even performed the services you paid for. You’re forced to sit around waiting for results that may or may not come. We know that this can be very frustrating which is why we offer complete transparency.

You will have access to your own client portal, where you will be able to see each change made to your credit profile and each action that’s been taken on your behalf.

We have a team of lawyers who file lawsuits on behalf of our clients when we receive collection letters that break the law. You pay nothing extra! Yet if it’s determined that a lawsuit can be filed, we’ll handle the rest and get you your settlement money. So don’t throw away even old collection letters – they could be worth money! Let’s break the bank when they break the law!

These are just a few of the reasons we consider ourselves the most efficient, the most effective and also the most affordable player in this space.
You’ll be assigned your own personal account manager who will not only guide you through each step of the complimentary credit education and restoration process but also hold you accountable to the moves you need to make to reach your target score.

After your credit profile strengthens, your financial consultant will then guide you through the next steps of securing loans, establishing primary user tradelines and even exploring business credit options.
We know most don’t have the time or desire to be a credit expert. It’s a very complex world and its always changing. Well, the most powerful feature of our services is that we have a completely automated process. You literally take a picture of your ID, a picture of your utility bill, upload it through your personal portal and…. That’s it. You’re on your way to the exceptional credit you deserve.

From there, within 48 hours, we document your goals, tailor an action plan specific to your unique credit profile – and get started on it. You buy no stamps, you lick no envelopes, you feel no stress.

WE ARE 100% TRANSPARENT & EASY TO FOLLOW

The problem with many competing credit services is that they require you pay large sums of money up front but then “leave you hanging.” You literally have no idea whether they’ve even performed the services you paid for. You’re forced to sit around waiting for results that may or may not come. We know that this can be very frustrating which is why we offer complete transparency.

You will have access to your own client portal, where you will be able to see each change made to your credit profile and each action that’s been taken on your behalf.

We have a team of lawyers who file lawsuits on behalf of our clients when we receive collection letters that break the law. You pay nothing extra! Yet if it’s determined that a lawsuit can be filed, we’ll handle the rest and get you your settlement money. So don’t throw away even old collection letters – they could be worth money! Let’s break the bank when they break the law!

These are just a few of the reasons we consider ourselves the most efficient, the most effective and also the most affordable player in this space.

YOU RECEIVE ONE-ON-ONE PERSONAL SERVICE

You’ll be assigned your own personal account manager who will not only guide you through each step of the complimentary credit education and restoration process but also hold you accountable to the moves you need to make to reach your target score.

After your credit profile strengthens, your financial consultant will then guide you through the next steps of securing loans, establishing primary user tradelines and even exploring business credit options.

SIT BACK & WE WILL DO ALL THE WORK

We know most don’t have the time or desire to be a credit expert. It’s a very complex world and its always changing. Well, the most powerful feature of our services is that we have a completely automated process. You literally take a picture of your ID, a picture of your utility bill, upload it through your personal portal and…. That’s it. You’re on your way to the exceptional credit you deserve.

From there, within 48 hours, we document your goals, tailor an action plan specific to your unique credit profile – and get started on it. You buy no stamps, you lick no envelopes, you feel no stress.

What our clients are saying

"Professional and qualified. Every step of the way has been prompt and easy to understand with Smart Credit. My credit scores are steadily increasing month after month. I couldn't be happier. Thank you!"

Theodore D
"Starting with the consultation, Trey answered all my questions and helped me understand what my credit situation called for. He delivers top notch service. Results have been better than expected!"

Tanya M
"I started with Smart Credit on very shaky financial footing.. my only option was bankruptcy before speaking with them. 6 months later, and I'm feeling super good about my situation. 662 and climbing!"

Stephen M

"Professional and qualified. Every step of the way has been prompt and easy to understand with Smart Credit. My credit scores are steadily increasing month after month. I couldn't be happier. Thank you!"

Theodore D
"Starting with the consultation, Trey answered all my questions and helped me understand what my credit situation called for. He delivers top notch service. Results have been better than expected!"

Tanya M
"I started with Smart Credit on very shaky financial footing.. my only option was bankruptcy before speaking with them. 6 months later, and I'm feeling super good about my situation. 662 and climbing!"

Stephen M

When you enroll in the Smart Credit Plan...

You get EVERYTHING you need to start improving your personal credit scores!

Complimentary Credit Education & Restoration
Up to 3 Non-Credit Dispute Letters sent Monthly
Live Customer Service
Online Budgeting Tool
Debt Elimination Software
Credit Building Resources
Access to Primary User Tradelines
Access to Credit Attorneys
Access to Debt Collection Attorneys

Daily Credit Monitoring
Credit Score Tracker
3 Monthly Bureau / 3 Score Report
Text & Email Credit Monitoring Alerts
Credit Score Builder Planner
Credit Score Master Simulator
Identity Theft Protection
$1 Million Fraud Insurance
Wealth Building Guide

Complimentary Credit Education & Restoration
Up to 3 Non-Credit Dispute Letters sent Monthly
Personal Account Manager
Live Customer Service
Online Budgeting Tool
Debt Elimination Software
Credit Building Resources
Access to Primary User Tradelines
Access to Credit Attorneys
Access to Debt Collection Attorneys

And there's more...

Daily Credit Monitoring
Credit Score Tracker
3 Monthly Bureau / 3 Score Report
Text & Email Credit Monitoring Alerts
Credit Score Builder Planner
Credit Score Master Simulator
Identity Theft Protection
$1 Million Fraud Insurance
Wealth Building Guide

* Done-For-You Credit Service is a complimentary service with the membership of other Smart Credit & Lending financial services.

$289 Enrollment Fee + $99 per month

ENROLL TODAY

$289 Enrollment Fee
+ $99 per month

ENROLL TODAY

OR, do it yourself!

Purchase our D.I.Y. Personal Credit Kit for a one-time fee of $97. Included in your download is everything you need to manage your own credit profile improvement.

BUY D.I.Y. KIT

Informative E-Book
Easy to Follow Instructions
28 Total Letter Templates
Student Loan Information
Bankruptcy Information
Inquiry Letter Templates
Collection Letter Templates
Goodwill Letter Templates
Paid Removal Template
Email Support Only

Need Credit & Funding for your business?

We can help you establish BUSINESS CREDIT to help you qualify for Business Funding - separate from your personal credit.

Find Out Why the Business Credit Finance Suite is Unique and BETTER Than Any Other Business Credit Building Resource on the Market Today!

MAKE YOUR BUSINESS FUNDABLE

Want to talk to a credit expert?

Book a one-on-one phone or zoom meeting to discuss your personal credit situation and what Smart Credit & Lending can do to help you open new financial opportunities.

BOOK CONSULTATION