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Purchase your plan
Choose the service option that fits your needs and secure your spot.
A smarter step toward financial confidence
Your credit story
isn't finished.
Real guidance. A clear process. Support to help you move forward with confidence.
We review and challenge potentially inaccurate or unverifiable negative items. Every credit file is different, and results are never guaranteed.
A process built around youClear steps. Real communication. No magic promises.
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Progress starts with a plan.One step at a time.
Understand your options
What can we review?
We focus on closed or negative account information that may be inaccurate, incomplete, outdated, or otherwise disputable. Whether an item can be corrected or removed depends on the facts and applicable law.
Foreclosures
Collections
Charge-Offs
Student Loans
Judgments
Medical Bills
Late Payments
Repossessions
Public Records
Bankruptcies
Child Support
Hard Inquiries
Listing an item does not mean it is eligible for removal. Accurate, current information generally cannot be removed just because it is negative.
Your roadmap
What happens after purchase?
A simple process with clear steps. Your service can begin only after required setup and onboarding are complete.
02◎
Activate SmartCredit
A SmartCredit subscription is required to provide access to refreshed reports. Review the current subscription price and terms through the designated signup link before paying.
Required before service begins03▤
Complete onboarding
Check your email for onboarding instructions and submit the requested documents through a secure, approved channel.
- Valid government ID
- SSN verification as requested
- Proof of address dated within 30 days
04✓
We begin the review
Once setup, onboarding, and required documents are complete, the first dispute round can be prepared.
- Six rounds on standard plans
- New round typically every 30–45 days
- Unlimited plan terms may differ
Important: don't skip a step.
If SmartCredit is inactive, onboarding is incomplete, or required documents are missing, your account may be placed on hold and work will not begin.
Real people. Real progress.
Clear steps.
Human support.
Credit can feel complicated. Our goal is to make the process easier to understand, keep communication clear, and help you take informed next steps.
Read common questions → Need to know
Frequently asked questions.
Here are a few things to know before getting started.
Do I need a consultation?
No. Consultations are optional. After purchase, you should receive onboarding instructions by email, and routine communication may take place by email or client portal. If you would prefer a consultation, contact us to request the booking link.
How long does it take to see results?
Timelines vary based on the contents of your reports, the nature of any disputes, and how the credit reporting agencies and data furnishers respond. A dispute may take 30 days or longer. No specific result or score increase can be promised.
What items can you remove?
We review closed or negative account information and may help challenge information that has a legitimate basis for dispute. Accurate and verifiable information generally cannot be removed solely because it negatively affects your credit.
How can I improve my score?
Credit improvement depends on your full credit profile. Alongside reviewing potentially inaccurate items, you may benefit from paying bills on time, managing balances, avoiding unnecessary applications, and monitoring your reports. No particular score outcome is guaranteed.
Where can I see my credit reports? Is there a charge?
SmartCredit is the report service identified for this process and is separate from Recovery Capital X. A paid subscription is required. The materials provided to us reference both $34.99/month and an approximately $53 affiliate offer, so please verify the current price and terms on the official enrollment page before signing up. Keep your subscription current if it is required for your service.
How long does the full process take?
The stated process typically includes six rounds, often spaced about 30–45 days apart. The overall timeline can therefore span several months, but it varies. Credit reporting agencies generally have legal deadlines to investigate disputes; actual results and timing depend on the circumstances.
When does work begin?
Work begins after the required subscription is active, onboarding is complete, and the necessary information has been received. Check your inbox and spam/junk folder for onboarding instructions. If you have not received them within 30 minutes of purchase, email support@raesrecoveryco.com to ask for assistance.
Is a credit result guaranteed? Are refunds available?
No credit repair company can guarantee that accurate information will be removed or that your score will increase. Refund and cancellation terms should be provided clearly in your service agreement before purchase. Please review those terms before paying.
Start with a clear plan
Your next step starts here.
Questions about the process? Reach out or explore your options.