Is Your Credit Score
Is your credit score
STOPPING YOU 🚫
STOPPING YOU 🚫
From Getting What You Deserve Out Of Life?
From Getting What You Deserve Out Of Life?
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Join the #1 program that is helping people raise their credit score and build generational wealth so you can have the freedom and lifestyle you deserve.
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Is Your Credit Score Creating Roadblocks?
- Have you tried to improve your credit on your own and feel overwhelmed?
- Are you unsure who to trust when searching for credit education?
- Do you want to understand how credit scoring works so you can make better decisions?
- Are you ready to learn how to use credit to support your goals — whether it’s a home, a car, or building a business?
- If your credit scores stresses you every single day, you’re in the right place.
👉 We teach you how credit works
👉 We guide you through building your score the right way
👉 You stay empowered and in contro
No promises. No pressure. Just education and legal credit guidance.
Is Your Credit Score Creating Roadblocks?
- Have you tried to improve your credit on your own and feel overwhelmed?
- Are you unsure who to trust when searching for credit education?
-
Do you want to understand how credit scoring works so you can make better decisions?
-
Are you ready to learn how to use credit to support your goals — whether it’s a home, a car, or building a business?
If your credit scores stresses you every single day, you’re in the right place.
👉 We teach you how credit works
👉 We guide you through building your score the right way
👉 You stay empowered and in contro
No promises. No pressure. Just education and legal credit guidance.
I am Carlos D. Smith,
founder of Smith Financials LLC.
My team and I have been here for over 5 years, HELPING people from all walks of life, with your EXACT problems.
I am Carlos D. Smith,
founder of Smith Financials LLC.
My team and I have been here for over 5 years, HELPING people from all walks of life, with your EXACT problems.
Carlos’ Credit Coaching Program
is designed for people who are committed to learning how credit works, developing positive credit behavior, and using their knowledge to support long‑term goals like homeownership, transportation, and business growth.
Inside the program, we educate you, support you, and guide you — so you stay in control of your credit journey.
custom Solution
“Credit Coaching Program”
Is designed for people who are committed to learning how credit works, developing positive credit behavior, and using their knowledge to support long‑term goals like homeownership, transportation, and business growth.
Inside the program, we educate you, support you, and guide you — so you stay in control of your credit journey..
CUSTOM SOLUTION
“Credit Coaching Program”
Is designed for people who are committed to learning how credit works, developing positive credit behavior, and using their knowledge to support long‑term goals like homeownership, transportation, and business growth.
Inside the program, we educate you, support you, and guide you — so you stay in control of your credit journey..
You might be wondering…
So what actually makes us different from the rest?
We don’t just throw disputes at your credit report and hope for the best.
We teach you what most people were never taught — how credit actually works, how it affects your future, and how to take control of it with confidence.
Most companies focus on fast fixes.
We focus on helping you make long-term moves.
Did you know?
Even a couple of negative marks may make it harder to build a strong score?
High credit card balances can lead to lower credit scores because of utilization?
You can have a good score and still get denied based on lender guidelines?
That’s because banks and lenders use
Automated Approval Systems
They look at more than just a number — they look at patterns, history, and financial behavior.
And at Smith Financials we help you
✅ Understand how credit scoring models work
✅ Learn how lenders evaluate your credit
✅ Make smarter decisions that support your goals
Knowledge gives you control — and our program is designed to give you confidence every step of the way.
You might be wondering...
“What if the account is really mine?
What if I actually opened that account?
Can anything still be done?”
That’s a great question.
and here’s the truth:
Even when an account is valid, it still must be 100% accurate, verifiable, and fairly reported under the law.
Many consumers are surprised to learn that credit reporting errors aren’t always about fraud — sometimes it’s about how the data is reported, how long it’s reported, or whether it’s updated properly.
ACCURACY OF REPORTING
It’s not about removing what’s “real” — it’s about making sure everything is fair, factual, and fully compliant with federal law.
Watch This:
One major credit bureau sent out incorrect credit scores to lenders — affecting millions of consumers.
Errors like that can cost people interest rate hikes, loan denials, and even job opportunities.
Interest rate hikes, Loan denials, and even Job opportunities.
And that’s just one example of the many types of issues we teach you how to review and challenge.
So even if the account is yours, if there’s an error in the way it’s reported, you have the legal right to dispute it —
and we’ll show you how to do it the right way.
PLEASE READ INSTRUCTIONS:
Please DO NOT submit your information, until you are 100% ready.
EMPOWER YOUwith the knowledge
Remember, This is your Credit
We are here to help guide you but must be a participant in your own success.
5 MOST QUESTIONS PEOPLE ASK
1. So How Long Does It Take?
So How LongDoes It Take?
To be honest I don't know, because It's is Illegal for credit repair companies and coaches to guarantee time frame. Everyone's credit situation is not the same.
2. can i get a Phone CONSultATION?
✅ Yes — but only after your enrollment is fully processed.Once you’ve:
Signed up,
Uploaded your ID and proof of address, and
Ordered your credit report,
...you’ll receive an email with a private booking link to schedule your first consultation call with our team.
📌 Note:
We legally cannot discuss your credit file or offer personalized advice until we have verified your identity and pulled your 3-bureau report. This protects your privacy and ensures full compliance with the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA).
3. What If the accounts are mine
The FCRA gives you the right to dispute anything on your credit report.
The credit bureaus must investigate on these disputed items and remove them, if they are found not in compliance with the FCRA. https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf
4. WILL DELETED ITEMS RETURN ON MY CREDIT REPORT?
We hear stories like this often from new customers. If an item reports back, normally it's from a debt collection account being sold to a new company to "report again". Many of these unverified items can be proven as a duplicate reporting, if the bureaus found it unverified before. It does not mean the account "came back", it is only an attempt for the reporting company to affect your credit again. It can sometimes be part of the process.
5. CAN I PAY MONEY UPFRONT AND NOT WORRY ABOUT FUTURE BILLING?
My final advice to you: DON’T WAIT.
Are you ready
lets get Started?
Join the #1 program that is helping people understand their credit score and build generational wealth so they can have the freedom and lifestyle you deserve.
3145 Hickory Hill Rd #101, Memphis, TN 38115 ● customerservice@smithfinancialsllc.com
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