● Frequently asked
How it works.
The dispute engine is free. The education is what you enroll in. Here's everything you need to know before you do.
Is the dispute tool actually free?
Yes. The Credit Smack dispute engine is free and stays free — upload a 3-bureau report, generate the full letter package, and download it at no charge. What you pay for is the education, not the software.
What am I paying for, then?
The education: the federal law (FCRA, FDCPA, FACTA, ECOA, Metro 2®), the dispute methodology, and the operator playbook to run and scale a compliant credit-repair business. The tool is what you use; the training is what makes it work.
What are the tiers and prices?
Three one-time enrollments (not subscriptions):
- Foundations — $1,995
- Operator Program — $4,995
- Mentorship / White-label — $9,995
How does enrollment work?
It's a guided, high-touch process — not an instant checkout:
- Pick a tier and drop your email on the enrollment page.
- We follow up with the full curriculum details and answer your questions.
- When you're ready, we send a secure payment link (processed by Stripe).
- Once payment clears, we grant your curriculum access and onboard you directly.
How is the curriculum delivered?
Access is granted manually right after you enroll — you'll receive your materials and a personal onboarding from us. The higher tiers include direct mentorship, so the experience is hands-on rather than a fully self-serve login.
Do you offer refunds?
No — all sales are final. Because this is a digital education product with access granted on enrollment, we don't offer refunds. Please ask us anything before you enroll; we'd rather make sure it's the right fit first.
Is any of this legal advice?
No. Credit Smack is an educational product and software tool for business owners. It is not legal advice, and we are not your attorneys. For advice about your specific situation, consult a licensed attorney.
Who is Credit Smack for?
Credit-repair business owners and operators who want to run a compliant operation — it's built for the owner running the shop, not a consumer "fix-my-credit" service.
What happens to the data I put in the tool?
The free tool processes your credit report per request to build your letters and does not retain it on our servers afterward, and we don't sell your data. You stay in control of the PDFs you download.