HOW IT WORKS

Step 1: Get Started & Get Set Up

Sign up and enroll in SmartCredit to unlock your credit reports. Once enrolled, you’ll receive clear onboarding instructions by email to guide you through the setup process.

All required steps must be completed before services can begin—this ensures we have the accurate data needed to power Score Refresh and move you forward with Breeze Forward.

STEP 2:

We Work Our Magic ✨

Once we receive your credit report login, we get to work. For members enrolled in Score Refresh, we challenge questionable items directly with the credit bureaus using proven credit repair strategies. Score Refresh services are provided on a per-round basis, with each round addressing the items currently appearing on your credit reports.

You’ll receive updated responses from the credit bureaus automatically. Please forward all responses to us so we can track progress and confirm which items have been removed. If additional rounds are needed, they may be added for a subsequent fee.

Members enrolled in Breeze Forward will receive their personalized action plan within 72 hours, with clear, guided steps to move their credit forward—no disputing required.

Step 3: Feel the Wind in Your Favor 🌬️

After disputes are submitted, the credit bureaus have up to 30 days to investigate and report back. Updated results typically arrive within 60 days from the date disputes are sent.

As responses come in, you’ll receive updates automatically. Forward all bureau responses to us, and we’ll track the results, update your account, and keep you informed of your progress.

For members enrolled in Breeze Forward, your personalized action plan stays dynamic—we’ll update it with completed tasks, newly added steps, and any credit report changes, so you always know exactly what to do next.

Each round builds momentum, helping your credit move forward with clarity and confidence.

PRICING

Pricing

At Credit Breeze, we work alongside you to help improve your credit with clarity and care. Once you enroll, we begin your process promptly and keep you informed every step of the way.

WHY CREDIT MATTERS

Why Credit Matters

Your credit plays a role in more areas of life than most people realize—from home and auto loans to rental approvals, insurance rates, and even employment opportunities. When your credit isn’t where you want it to be, it can mean higher costs and fewer options.

Creating a plan to improve your credit can open doors and help you save money over time. With the right strategy and guidance, better credit isn’t just possible—it’s achievable, and it can make moving forward feel a whole lot easier.

CREDIT FACTS

Credit Facts

Your credit score is built on five key factors:

  • Payment History – On-time payments matter most.

  • Amounts Owed – Lower balances can help boost your score.

  • Credit History Length – Longer, responsible use builds strength.

  • New Debt – Taking on more credit can impact your score short-term.

  • Credit Mix – A variety of credit types can work in your favor.

With Score Refresh, you can see how these factors change, and Breeze Forward helps you take the next best step to move your score ahead—clearly and confidently.

YOUR RIGHTS AS A CONSUMER

Did you know that the FTC has put in regulations to protect consumers?

CLIENT
AFFILIATE

OUR GUARANTEE

The Credit Breeze Promise

With Score Refresh™, you pay per round, not month after month. That means you’re never locked into services you’re not satisfied with. Each round is completed with transparency, documentation, and clear next steps—so you stay in control of your credit journey at all times.

Graduates of Score Refresh™ are automatically enrolled in Breeze Forward™, our complimentary credit and financial coaching program designed to help you protect your progress and move forward with confidence. Breeze Forward™ is also available on its own at no cost with active credit monitoring through SmartCredit.

POSSIBLE TO REMOVE
  • Late Payments
  • Collections
  • Charge Offs
  • Bankruptcies
  • Judgments
  • Tax Liens
  • Repossessions
  • Inquires
  • Identity Theft
  • Fraud
  • Incorrect
  • Foreclosures
  • Garnishments
  • Closed Accounts
  • Negative Settlements