What Is the Smart Credit Algorithm? – DIY Credit Mastery Framework

Modified on Sun, Oct 19, 2025 at 9:13 PM

The Smart Credit Algorithm is our proven 9-step framework that simplifies credit repair into a clear, strategic process. Each round builds on the last, making disputes easier and more effective while keeping you compliant.


  • Overview: A 9-step framework designed to strategically challenge inaccurate accounts while building positive credit.

  • Key Features:

    • Step-by-step strategy that evolves each round (35–45 days per round)

    • Custom ghost-written dispute letter templates tailored to your profile

    • Integrated coaching + monitoring via SmartCredit

  • Why it works: Keeps the bureaus on strict timelines, applies multiple federal laws, and builds positive accounts at the same time.


It’s not just “credit repair”—it’s a system built to maximize results.


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