Credit Restoration
Tell us where you are and where you want to be. The secure intake below — powered by our client portal — takes about ten minutes and gives us the picture we need to map your first moves.
Credit restoration is offered as a supplemental service by the advisory group that treats your file the way a CFO would.
Secure Credit Enrollment
Enrollment is a two-step process. Complete Step 1 first — your Smart Credit membership provides the three-bureau monitoring we work from. Then complete Step 2 in CDM, our secure client portal.
Enroll in Smart Credit monitoring
Opens Smart Credit’s secure signup in a new tab. Takes about five minutes. Uses our sponsor referral so the two systems link automatically for report import.
Sign Up With Smart Credit →Opens in a new tab · ~5 minutes to complete
Complete CDM secure onboarding
After Smart Credit, come back and complete identity, service agreement, and file setup inside CDM — about ten minutes, all inside CDM’s encrypted environment.
Continue to CDM →Opens the CDM secure portal · ~10 minutes to complete
Already a client? Sign in to your portal →
Sensitive verification (SSN, date of birth, account numbers) is handled inside Smart Credit and the CDM secure portal only — never on this page or by email.
The Program
Credit restoration is not a one-time fix or a promise of a specific score. It is a monthly, evidence-based dispute cycle we manage on your behalf while you keep paying and monitoring. Here is what the program looks like from Day 1 forward.
Phase 1
Weeks 1–2
Phase 2
Months 1–6 (typical)
Phase 3
Ongoing
Timelines vary by file. Some clients see meaningful movement in the first 60 days; others take longer depending on the age and volume of items being disputed. We do not guarantee specific score outcomes — we guarantee the process, the documentation, and the communication.
Your Part
This is a partnership. Your engagement determines pace as much as ours does. Here is what you commit to when you sign the service agreement.
1
Keep Smart Credit active
Your Smart Credit membership must stay current. If it lapses we lose the daily three-bureau data feed we depend on to see changes and confirm dispute outcomes.
2
Forward bureau & creditor mail promptly
Bureaus and creditors respond by physical mail. Scan or photograph anything you receive from Equifax, Experian, TransUnion, or a collector and upload it to your CDM portal within one week. Late uploads slow the next round.
3
Pay every open account on time
Payment history is 35% of your FICO score — larger than every other factor combined. No dispute strategy can outrun new late payments. Set up autopay on everything you can.
4
Do not open new credit without checking with us
A single new hard inquiry or account can undo weeks of utilization work. Text or email before you apply for anything — a card, a car loan, a lease — so we can time it around your file.
5
Reply to check-ins within 48 hours
Once a month we send a short update with questions or decisions we need from you. Fast replies keep the cycle moving; slow replies pause it.
6
Be honest about the file
If a debt is legitimately yours, tell us — we still have strategies (validation, goodwill, negotiated deletion) but we choose them differently than for items that are outright errors. Bad information leads to bad strategy.
Honest Answers
Most files see the first material change inside 30–60 days after the first dispute round. A typical engagement runs six to twelve months, though heavily damaged files can take longer. We give you a written timeline estimate after the Phase 1 audit — not before, because we do not yet know your file.
No. Any provider who guarantees a specific score is either misleading you or violating the Credit Repair Organizations Act. What we guarantee is the process: a written audit, mailed dispute letters every cycle, documented bureau responses, and a written summary at close. Score movement is a function of what is on your file and how you protect it going forward.
Fees are quoted in writing after your Phase 1 audit, once we know the scope of the work. We do not publish a flat rate because a file with three collections and a repossession is not the same job as a file with two late payments and an old inquiry. You will see the full engagement fee before you sign anything.
No advance fees. Under the Credit Repair Organizations Act (and Missouri law) we cannot bill you for restoration work before it is performed. You pay after each cycle of work is completed, per the terms of your written service agreement.
No. Filing a dispute is a consumer right under the Fair Credit Reporting Act. Bureaus cannot legally penalize you for exercising it. What can hurt your score during the process is missing new payments, running up card balances, or opening new accounts — which is why the requirements above matter.
Yes. Everything we do — pulling reports, writing dispute letters, tracking bureau responses — is legal for you to do on your own for free. What you pay us for is the audit skill (identifying every legitimate dispute basis), the drafting expertise (letters that actually get results), the documentation discipline (evidence trails when a bureau resists), and the time we take off your plate. If you have the hours and the patience to learn it, self-help works. Most of our clients would rather focus on their job and their family.
We escalate. Options include re-disputing with additional documentation, sending a Method-of-Verification demand under the FCRA, contacting the original creditor directly, filing a CFPB complaint, or pursuing debt validation for collections. “Verified” is a starting point, not the end.
Yes, once the underlying matter is resolved or discharged. Some items — active judgments, unresolved child support — we cannot dispute while they are open. We will tell you plainly during Phase 1 what is workable and what is not.
Question not answered here? Book a free Personal Credit Restoration Call →
“He kept me informed, answered every question, and delivered real results. I highly recommend D’Vonta and Optimized Tax Advisory Group to anyone looking for honest, reliable, and effective credit repair services.”
