OutSmart Collective

We Know Credit

Know more than just your score! Repairing your credit is one of the first steps to true financial freedom. Having incorrect information and derogatory marks can cost you hundreds to thousands of dollars over the years due to undeserved higher interest rates on loans, mortgages, and credit cards.

How It Works

Credit scores are a snapshot of your financial history. The 3 major reporting credit bureaus collect this information and rate it on a scale from 350 – 850. Your credit score is used to determine key things such as

Getting lower interest rates on credit cards
Qualifying for personal loans
Mortgage approvals and rates
Securing low interest car loans

When these bureaus have derogatory information, it can drive down your credit score. It is our duty to ensure your report has fair and accurate information that best represents you!

Getting derogatory information off reports from ALL 3 bureaus takes time due to the rules and regulations related to the industry. Our team will work diligently to strategically remove items from ALL 3 reporting agencies. Over time your score will increase until you reach your goal. My system allows you to monitor your credit during this process and track our disputes in real time. This allows us to track the removal of items along the process.

Our Services

No matter which package you choose, we're committed to providing you with the highest level of service and support. Contact us today to learn more about how we can help you restore your credit and achieve your financial goals.

Individual Package

$29.99 /mo or One time fee $199

Our individual package is designed to help individuals who are looking to improve their credit scores and get back on track. We'll work with you to review your credit reports, dispute any errors, and develop a personalized plan to improve your credit. Our team of experts will provide ongoing support and guidance, helping you navigate the credit landscape with confidence.

Couples Package

$45.99 /mo or One time fee $350

Our couples package is ideal for partners who are looking to improve their credit scores together. We'll review both of your credit reports, identify areas for improvement, and develop a plan to help you both reach your goals. With our support, you can work together to achieve financial freedom and stability.

Bankruptcy/Child Support Package

$54.99 /mo or One time fee $499

If you're struggling with bankruptcy or child support issues, we can help. Our specialized package is designed to address the unique challenges that come with these situations. We'll provide legal guidance and support to help you navigate the complex landscape of bankruptcy and child support, and work with you to develop a plan to improve your credit and get back on track.

I was skeptical about using a credit repair service at first, but I'm so glad I decided to work with Outsmart Collective. They were incredibly professional and knowledgeable, and they helped me remove several negative items from my credit report that were holding me back. Thanks to their help, my credit score has improved significantly, and I feel much more confident about my financial future.
Chelsea, satisfied Outsmart Collective client
I can't say enough good things about Outsmart Collective. They were there for me every step of the way as I worked to improve my credit score, and they provided me with personalized advice and guidance that I couldn't have found anywhere else. I'm so grateful for their help, and I would recommend them to anyone looking to improve their credit and take control of their financial future.
Ashley, happy Outsmart Collective customer
Outsmart Collective is the real deal when it comes to credit repair. They're incredibly knowledgeable about consumer law, and they use that knowledge to help their clients get the results they're looking for. I had several negative items on my credit report that I didn't think would ever go away, but they were able to get them removed in a matter of months. I can't thank them enough for their help.
Greg, satisfied Outsmart Collective customer