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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