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Our service includes a comprehensive consultation to help identify gaps and  opportunities, a comprehensive report that includes a project plan with  timelines and milestones, a cost analysis, and a schedule. We also offer  a suite of quality products that will help you get there quickly and  smoothly. That’s how we ensure your success.

Your credit score is the biggest factor lenders look at when assessing your risk for any type of loan. This 3-digit number affects the outcome of you getting an auto, credit card or home loan; not to mention if you want to refinance your mortgage, manage your debt, and save for the long run. And if you are able to qualify for a loan, your credit score is the determining factor of what interest rate you will be offered. Having a healthy credit score may save you hundreds of dollars every month because you'll be paying much lower interest rates.

Mission statements – Our mission here at SMOY Credit Repair, LLC is to offer you personalized credit resolutions to your credit problems. At SMOY Credit Repair, LLC we have helpful solutions ranging from credit report repair, debt counseling, bankruptcy help, home loans, auto loans, judgments, late payments and so much more..

Company policies – Did you know federal government positions including the military will review your credit score and debt ratio?  Do not let bad credit stop you from achieving your next federal or military promotion. Take charge of your credit. Don’t let your credit report or high debt ratio take charge of your life. Credit repair may help you achieve the financial freedom you've been looking for.

Why SMOY?

We get the job done right the first time, without wasting your time or money. We work hard so you don't have to. Our company has assisted clients with credit issues since 1995. Today, SMOY Credit Repair, LLC continues to help clients take action on their credit in this stressful economy. SMOY Credit Repair, LLC is a trusted and bonded leader in credit repair.