The Credit Solution Program


You Can Have The Answer To Living A Better More Financially Secure Life With Higher Credit…

“Improve Your Credit Score* with the Credit Solution Program”

*Results may vary: learn more here

“I have raised my credit score 51 points! Now I’m at the top of the fair category and hopefully I’ll be in the good category by the end of January. Not bad in 4 months time and there are still several items I need to dispute which could bring me up even more!

My goal is to be at 710 by May 2014. If I can get my score up this fast, especially considering I have a bankruptcy on file, ANYONE can.” * -John, 4 Month Credit Solution UserJohn, 4 Month Credit Solution User

Here’s what you get when you order The Credit Solution Program:


1.) The Credit Solution Program: Here’s the truth: If you want to develop a life changing mindset on Credit, you have to stand up and take action. The Credit Solution Program is your simple 5 step plan. In this eBook we teach you why you need to improve your credit and what you need to do to make it happen.
  2.) The Success Journal: This personalized manual (106 Pages) is your “go to” guide to achieving your credit goals.The Success Journal is also your “how to” guide which works hand- in- glove with The Credit Solution. It’s your own personalized game plan with a series of steps you can follow to reach your goals.
  3.) Credit From Scratch: Check this section out if you have not yet established credit in your own name, you’ve suffered through a financial “meltdown” that thoroughly trashed your credit, or you’re going through Bankruptcy or Foreclosure.
  4.) Divorce & Credit: If you expect to be divorced, you’re in the middle of a divorce,  you’re working through a divorce, or you’re divorced then this section will guide you step by step to make sure your credit stays in good standing.
5.) FAQ: We thought it would be helpful to put all the most important questions in a straight forward Q&A format and share them with everyone. It turns out that many, many people have the same issues and we know you’ll truly enjoy this section.


What happens when you
follow the Credit Solution Program?

1. We train you on the importance of credit.

Here we lay the foundation, so that you have the proper mindset to continue. This is not just about money either, employers, landlords, and insurance companies all use your credit score to make decisions that can have a big impact on your life.3, 4, 5

According to MSN Money personal finance columnist Liz Pulliam Weston in her 2011 National Best Seller “Your Credit Score” – a series of small mistakes with credit can add up to $2M due to high interest rates over a lifetime.

And there is more that happens once you really understand what a great score is worth.

2. Understand what factors affect your score

Do you know all the factors that go into calculating a credit score? When you understand the 5 factors that are used to determine your score, you are instantly able to begin working on each to improve your score.*

Most people with great credit have no idea how it got that way. So even if you have great credit already, this is a lesson you will not want to miss if you plan on keeping your credit high in the future.

3. Learn to interpret your credit report

You will learn where to get your credit reports and scores online, and how to understand each section of your report.

We will walk you through an exercise to classify any negative items according to the CSP system. This provides the framework from which you will form a personalized action plan.

Many people are confused about how to understand each section of a credit report. It’s no surprise really… did you know that if you have a lengthy credit history, your report can be over 20 pages long?

Understanding how to interpret all of this information about you is the first step toward improving it.

4. Regain control over your finances

In the past 3 years, we have provided education to over 1.2 million people about credit and financial health topics. Over that time, we have received many tens of thousands of blog comments and support emails from visitors to this site. Because of this, we have an in depth understanding of the variety of problems that you may be facing with your credit.

Find out how to deal with late payments or accounts that have gone to collections. You will learn how to evaluate your options for any debts that you have outstanding, and how each choice may affect your credit score. You’ll also learn what actions are the most important if you want to qualify for a loan in the near future.


5. Shape your actions to keep your score up

It’s frustrating to most people when they find out that just paying bills on time is not enough to insure that you will have an excellent credit rating. The credit scoring model is looking for a responsible use of credit, and while paying bills on time is a big part of that – it’s not enough.

What is the proper way to structure your credit history going forward?

Yes, in order to have the highest possible score, you have to actually plan out a strategy that the credit scoring model views as low risk. This means having the right number of credit cards and mix of credit types. We’ll show you how to use your credit effectively in order to score well.

Order Now And Start Improving Your Credit

The order link below will take you to our secure server where you can instantly purchase the printable PDF format E-book package and start reading. Instead of waiting for a typical package in the mail, you can download this program immediately and get started on your path to improving your credit!

You can choose to read the program on your computer, or print it out to read anytime, anywhere.

Please Note: The Credit Solution Program is a downloadable e-book program. You will NOT receive a physical package shipped to you in the mail. The entire package will be immediately available for you to download, so you can get started right away after ordering. You will receive immediate access to all bonuses after placing your order. This program is NOT available in stores, so you can only access it through this website.

Peer-reviewed research references
1. Federal Reserve Citation: Board of the Governors of the Federal Reserve System, “Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit,” Page 133, August 2007
2. The Independent Review, “Credit-Information Reporting,” Volume 5, Issue 3, Page 326, Winter 2001
3. The Journal of Consumer Affairs, “Credit Scoring and its Effects on the Availability and Affordability of Credit,” Volume 43, Number 3, Page 516, Fall 2009
4. Federal Trade Commission, “Employment Background Checks,”, February 2013
5. Federal Trade Commission, “How Credit Scores Affect the Price of Credit and Insurance,”, September 2013


Smart Consumer Solutions LLC
601 Van Ness Ave, STE E869, San Francisco, CA 94102, USA

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*Disclaimer: Information provided in any videos, emails, or other materials found on is for informational purposes only and should not be considered legal advice. Your results may vary based on your credit history, motivation, and persistence in following our program. You may not get results that improve your credit score or successfully remove errors from your credit report. You should always consult a legal or financial professional for specific personal finance advice. Please also see our full Disclaimer.