Why the Credit Repair Process Takes Multiple Rounds – Smart Credit Algorithm

Modified on Sun, Oct 19, 2025 at 4:46 PM

Why Credit Mastery Uses Multiple Rounds


The Smart Credit Algorithm is a 9-step process, and each step (round) lasts 35–45 days - like peeling layers of an onion. 


Why multiple rounds?

  • Each round uses a unique tactic to challenge different types of reporting errors.

  • Layered strategies increase effectiveness while staying compliant.

  • Score improvements compound gradually, not overnight, making results more permanent.


Most members graduate in 6–9 rounds (6–12 months).



Thousands are transforming their credit with DIY Credit every single month.
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