419.830.4104   prosper@smartmoney.life

Credit Repair Services

Smart Money System™ Credit Repair Services

Your credit score dictates the interest rate you pay on loans (i.e. mortgage & automobile), the rate you pay for insurance, and in some cases your career opportunities. Many reports are filled with errors that are bringing down your credit score. Our credit repair services were established to help you challenge and remove negative and incorrect marks on your credit report, increasing your levels to more acceptable by lenders. Below are some helpful key points to help you better understand your credit report:

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The Percentage of Credit Reports with Significant Errors


Minimum Score for Getting Most Loans in America


The Amount of Points We Can Increase Your FICO Score


Results Can Be Seen In As Little As 3 to 6 Months

What is a FICO Score?

First introduced in 1989 by the Fair, Isaac, and Company, the FICO model is used by the vast majority of banks and creditor grantors, and is based on consumer credit files of the three national credit bureaus:

  • Experian
  • Equifax
  • TransUnion

The image to the right represents how credit scores are created.

Credit Score Chart

Create Your Financial Strategy Plan and Improve Your Credit Score

Looking for Additional Services?

Every financial situation is different. You may only need one of our services or you may need them all. Below is a list of the additional services that we offer.

Smart Money System™

Is your complete personal financial management tool. With the Smart Money System™ we can create, implement, and manage a custom financial plan for you.

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Personal Bookkeeping

We can help you establish and maintain a monthly household financial strategy that will improve your lifestyle and get you on the right track to smart money for life.

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Debt Consolidation

Change your financial future in a big way. With Smart Money Management, you receive solutions and a pinpoint strategy for becoming debt free.

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Student Loan Consolidation

Student loan consolidation can significantly reduce your interest rate and monthly payments, while keeping you on track to repay your student loans.

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Client Success

We’ve been with Smart Money Management for about five years. Even though our financial situation has steadily improved we stay with them because they let us focus on making more money, while they deal with paying our bills.

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