By law we can not guarantee a specific time period nor can we guarantee a particular number that your score will increase by. Every situation is different but some of our clients have seen their scores increase significantly within 3-6 months. We can guarantee that we will be dedicated in helping you reach your goals! IN ADDITION TO STARTING THE CREDIT DISPUTE PROCESS WITH YOU , WHAT CAN I DO TO HELP RAISE MY CREDIT SCORE • Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here. • Never charge more than 20% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cads, then make paying them down below 20% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

YESTERDAY! If you have goals of buying a home, or wanting a new vehicle soon getting started today can save you a huge headache tomorrow.

180 Day Money Back Guarantee DCS Clients: You are entitled to a 100% refund of your required credit monitoring monthly fees if we do not remove any negative items worked on during the 180 day money back guarantee period. This refund only applies to credit monitoring fees paid for during this 180 day money back guarantee period. This refund will be processed by Diamond Capital Solutions DISCLAIMER: You will not be eligible for a refund if during the 180 day period you get any new derogatory accounts, have over (5) new credit inquiries, your account with us becomes inactive due to non payment, you fail to maintain a credit monitoring service through our partner program, you have used a credit consulting agency or attempted to repair your own credit in the last year prior to enrolling in our program, or you fail to send response letters from the bureaus within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).

From the SmartCredit site navigate to the FAQ section. Scroll down to “How do I cancel my membership?” And follow the instructions. *Be sure to cancel during your TRIAL period so you are not charged for the month.