Get With the Credit Repair Company That Actually Delivers Results — Not Excuses.We Don't Just Talk Credit Repair—We Show Receipts. 40,000+ Clients Served.
Most clients see their first removals within 30–60 days.
Collections, charge-offs, repos, bankruptcies and more.
Thousands of reviews, DMs and screenshots you can see below.
A reputation built on real deletions, not promises.
We dispute closed and negative accounts using consumer law — every 30–45 days, round after round.
Here is exactly what to expect — so your account gets started with zero delays.
Check your email immediately after purchase and complete onboarding.
Utility bill · Bank statement · Lease or mortgage statement
Once Smart Credit is active and onboarding is complete:
We handle the process — you focus on results.
Screenshots straight from our clients' DMs, comments and credit reports. Tap any image to enlarge.
See more real life testimonials and reviews from our clients, catch our latest sales, and enter for our different raffles!
Consultations are completely optional—many of our clients join without ever booking a call because our results and reviews speak for themselves. But if you'd like answers before getting started, we've made it easier than ever to connect with our team!
This is your chance to get clarity, confidence, and direction—in just 15 minutes with our expert team. —No charge, no excuses.
Book Your Free Consultation
Hi, I'm Rae Watson, the founder of Rae's Recovery Co., and I know firsthand how life-changing great credit can be—because I've been where you are. Just a few years ago, I was drowning in debt with a credit score in the 400s. It felt impossible to climb out, but I refused to let bad credit define me.
By using the very same strategies I now offer my clients, I transformed my credit score from the 400s to an impressive 800 in less than a year. That transformation didn't just fix my credit—it changed my life. I eliminated financial burdens, achieved financial freedom, and leveraged my credit to build cash flow and wealth through real estate investments.
Today, I'm not only passionate about helping individuals repair their credit, but I also mentor aspiring entrepreneurs, teaching them how to build 6- and 7-figure businesses in the credit repair industry. As a business coach, I've guided countless clients to financial independence and empowered them to create legacies of their own.
What sets me apart? I'm not just another coach or credit repair expert—I'm relatable because I've been in your shoes. I know the frustration of debt, the embarrassment of credit denials, and the anxiety of financial instability. And I also know the joy of breaking free, living debt-free, and thriving with financial opportunities that once felt out of reach.
If you're ready to transform your credit, rebuild your financial future, and even create cash flow through strategic credit use, I'm here to guide you every step of the way. Let's turn your struggles into success and your goals into reality—together.
Are you ready to take the first step?
See Pricing & Get StartedConsultations are optional and not required. Upon purchasing you will not receive a consultation call unless you have booked one, you will only receive onboarding instructions and communication will be done by email and client portal only. If you feel like you need a consultation call, please book one. We get things done with out having to have a phone call, our communication is great! Here is the link for consultation: https://calendly.com/raesrecoveryco/20mins
We'd love to have you on board! Simply hit the button below, call our team, or DM us, and someone will be in contact with you within 24 hours.
We dispute closed/negative accounts only.
Start with us today! Whether it's getting negative items removed or positive lines added, we can help!
We use Smart Credit because it includes all 3 credit reports (Experian, Equifax, and Transunion). While we do not charge a monthly fee for credit repair, Smart Credit does charge monthly to provide you and us a refreshed copy of your credit report each month.
If you use our affiliate link, the monthly charge will be around $53. It is mandatory that you are up to date with your Smart Credit payment so we can check for updates and send new rounds out to the credit bureaus.
Please allow 1-2 business days after all information has been received for us to prep and mail your disputes out to the 3 consumer reporting agencies (please allow 3-5 business days during a sale). Once they are delivered to them, processing time starts!
On average, the program runs through 6 rounds, with about 35–40 days between each round, so the full process typically takes around 7–8 months. Most clients start seeing results within the first 30–60 days, sometimes even sooner.
We'll do everything we can to challenge and improve what's on your report, and keep you updated every step of the way.
Remember, we are credit repair specialists, not magicians. We fight on your behalf, using consumer laws each month to get accounts removed. Credit repair takes patience! With that being said, there are no refunds.
You can expect to see results in at least 30 days, with it taking up to 90 days in some cases.
We'd love to have you on board! Simply hit the button below, call our team, or DM us, and someone will be in contact with you within 24 hours.
Results in as little as 45 days. Over $100 million in debt removed. Your turn.
Pricing PlansFill in the form below and you'll be taken straight to our pricing plans.
