
A national credit repair and restoration company handling every step for you.
Deep expertise across underwriting, forensic accounting, and credit strategy.
Two-sided pressure that actually gets results, not just letters in the mail.
We challenge outdated, misleading, and unverifiable data across all three bureaus.
Track your progress and message our team anytime, day or night.
No cookie-cutter templates. Every plan is tailored to your credit profile.
A national credit repair and restoration company handling every step for you.
Deep expertise across underwriting, forensic accounting, and credit strategy.
Two-sided pressure that actually gets results, not just letters in the mail.
We challenge outdated, misleading, and unverifiable data across all three bureaus.
Track your progress and message our team anytime, day or night.
No cookie-cutter templates. Every plan is tailored to your credit profile.
Select the plan that works best for your goals and budget.
Fill out your information and submit your required documents: valid government ID (driver's license), Social Security card, proof of residence, and payment information.
Credit monitoring is required before we can begin. $1.99 for a 7-day trial then $21.99/month — must remain active throughout the program.
smartcredit.com/bkcreditconsultantsRequired for the dispute process — this is the government agency we use to file and track disputes on your behalf.
consumerfinance.gov/complaintOur team begins analyzing your credit and disputing every inaccurate item across all 3 bureaus.
Log into your 24/7 client portal anytime to check updates and communicate with our team.
Select the plan that works best for your goals and budget.
Fill out your information and submit your required documents: valid government ID (driver's license), Social Security card, proof of residence, and payment information.
Credit monitoring is required before we can begin. $1.99 for a 7-day trial then $21.99/month — must remain active throughout the program.
smartcredit.com/bkcreditconsultantsRequired for the dispute process — this is the government agency we use to file and track disputes on your behalf.
consumerfinance.gov/complaintOur team begins analyzing your credit and disputing every inaccurate item across all 3 bureaus.
Log into your 24/7 client portal anytime to check updates and communicate with our team.
Best for clients who want steady ongoing support with a lower upfront cost.
For clients who need faster results and a strategic boost right now.
Best for clients who want a fixed cost with no monthly fees.
Best for clients who want steady ongoing support with a lower upfront cost.
For clients who need faster results and a strategic boost right now.
Best for clients who want a fixed cost with no monthly fees.


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Send us a video and we'll drop it in here.








We dispute all inaccurate, outdated, misleading, and unverifiable data on your credit report including collections, late payments, charge-offs, bankruptcies, repossessions, hard inquiries, and more.
Most clients begin seeing improvements within 30–45 days of completed onboarding. The Rapid Credit Optimization plan is specifically designed for results within 30–45 days.
Yes. All clients must maintain an active SmartCredit account throughout the program. This gives our team access to monitor your reports and track dispute progress in real time.
The Consumer Financial Protection Bureau is the government agency we use to file and track disputes on your behalf. Creating your account is a required step in the process.
Yes! We have monthly and flat rate plans available for couples. Both individuals will go through the full credit restoration process.
A valid government ID (driver's license), Social Security card, proof of residence, and your payment information.
The Monthly Plan has a lower upfront cost with a recurring monthly fee. The Flat Rate Plan is a one-time payment covering 6 full months of service — no monthly fees after that.
It is a fast, precision-driven credit upgrade designed to clean and strengthen your credit profile within 30–45 days. Ideal for clients who need faster results for a specific goal like getting approved for a loan, car, or home.
Yes — you have 24/7 access to your client portal where you can view updates, upload documents, and message our team at any time.
We dispute all inaccurate, outdated, misleading, and unverifiable data on your credit report including collections, late payments, charge-offs, bankruptcies, repossessions, hard inquiries, and more.
Most clients begin seeing improvements within 30–45 days of completed onboarding. The Rapid Credit Optimization plan is specifically designed for results within 30–45 days.
Yes. All clients must maintain an active SmartCredit account throughout the program. This gives our team access to monitor your reports and track dispute progress in real time.
The Consumer Financial Protection Bureau is the government agency we use to file and track disputes on your behalf. Creating your account is a required step in the process.
Yes! We have monthly and flat rate plans available for couples. Both individuals will go through the full credit restoration process.
A valid government ID (driver's license), Social Security card, proof of residence, and your payment information.
The Monthly Plan has a lower upfront cost with a recurring monthly fee. The Flat Rate Plan is a one-time payment covering 6 full months of service — no monthly fees after that.
It is a fast, precision-driven credit upgrade designed to clean and strengthen your credit profile within 30–45 days. Ideal for clients who need faster results for a specific goal like getting approved for a loan, car, or home.
Yes — you have 24/7 access to your client portal where you can view updates, upload documents, and message our team at any time.

