Credit Repair and Monitoring
Carter Industries has partnered with SmartCredit, our credit repair and monitoring partner, to help you review your credit reports, dispute inaccurate items, and track your credit over time.
Accurate Reports. Clear Next Steps.
Errors, outdated accounts, and unverifiable items can hold your credit score down and make borrowing more expensive. Credit repair is the process of reviewing your reports and disputing information that is inaccurate, outdated, or cannot be verified.
Credit repair and monitoring services are provided by our partner SmartCredit, a separate company. You enroll through SmartCredit, and your agreement for those services is with them. Carter Industries does not prepare or submit credit disputes itself.
No one can remove accurate information from your reports or promise a specific result or score. A cleaner, more accurate credit profile can help when you are ready to apply for financing, and that is where Carter Industries can help next.
Credit Repair and Monitoring Through Our Partner
How It Works
Enroll in Credit Repair and Monitoring with SmartCredit
Ready to begin? Enroll through our credit repair and monitoring partner to start disputing inaccurate items and tracking your credit profile.
Enroll with SmartCreditAffiliate disclosure: Carter Industries may receive compensation if you enroll through this link, at no additional cost to you. SmartCredit is a separate company. Your agreement for its services is with SmartCredit, and its terms, fees, and disclosures apply. Carter Industries is not a party to that agreement.
Credit Repair: General Consumer Information
- You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly, at no charge.
- You are entitled to a copy of your credit report from each bureau. Visit annualcreditreport.com.
- Under federal law, no one can legally remove accurate and timely negative information from your credit report. Most negative items may remain for up to seven years, and bankruptcy for up to ten years.
- Under federal law, a credit repair company may not charge you for its services before those services are fully performed.
- You have the right to cancel your contract with a credit repair company, without penalty or obligation, within three business days of signing it.
- You have the right to sue a credit repair company that violates the Credit Repair Organizations Act.
This is a general summary, not legal advice. Review the agreement and disclosures from SmartCredit carefully before you sign or pay for anything.
Frequently Asked Questions
Who provides the credit repair service?
SmartCredit, our partner, provides the credit repair and monitoring services. Carter Industries refers clients to SmartCredit and does not prepare or submit credit disputes itself.
Can accurate negative items be removed?
No. Accurate and timely negative information generally cannot be removed. Disputes are for items that are inaccurate, outdated, or that the reporting company cannot verify.
Can you guarantee my score will go up?
No. No one can legally promise a specific result. Outcomes depend on what is on your reports and how the bureaus and creditors respond to disputes.
How long does it take?
Timelines vary. Credit bureaus generally have about 30 days to investigate a dispute, and the full process often takes several months across more than one round.
Can I dispute items on my own?
Yes. You have the right to dispute items directly with the credit bureaus at no charge. SmartCredit's tools are there if you want help doing it.
Will this help me qualify for a business loan?
More accurate credit reports can help, but approval is always the lender's decision. If business funding is your goal, see our Business Loans service.
Ready to Take a Look at Your Credit?
Enroll with our partner SmartCredit to get started, or tell us about your goals and we will point you in the right direction.
Carter Industries is not a law firm, a lender, a securities dealer, or a registered investment advisor. All content is for informational purposes only and does not constitute legal, financial, or tax advice. Credit repair and monitoring services are provided by our partner SmartCredit, a separate company, and results are not guaranteed. Loan approval, amounts, and terms are determined solely by lending partners. Always consult a licensed professional before taking action.