Credit Studio Solutions is a professional credit repair platform. We challenge inaccurate negative items on your report by sending FCRA-grade certified letters to Equifax, Experian, and TransUnion — automatically. Most clients see measurable results within 30 to 45 days.
How the FCRA Process Works
Under the FCRA, you have the legal right to challenge any inaccurate or unverifiable item on your report. All three bureaus are required by law to investigate within 30 days and remove any item they cannot verify. Our AI identifies every item to contest, drafts letters citing the exact FCRA sections, and mails them by certified USPS mail — with legal proof of delivery and automatic deadline tracking.
Credit Studio Credit Repair Includes
AI-generated FCRA letters sent to Equifax, Experian, and TransUnion
Certified USPS mail with full delivery tracking
Personalized action planning and score-improvement guidance
Four-round automatic escalation when bureaus do not respond
Score simulator to help project your improvement
Three-bureau monitoring, identity protection, and dark-web alerts are optional SmartCredit® features provided and billed separately by ConsumerDirect, Inc.
Plans and Pricing
Optional SmartCredit score monitoring costs $39.99 per month and is billed by ConsumerDirect, Inc. at enrollment. Credit Studio Solutions credit repair is separate and billed only for operator-confirmed deletions. Operator business plans start at $299 per month and include unlimited client accounts, automated FCRA workflows, certified mail management, billing tools, and complete white-label branding under your company name.
For Score Restoration Operators
Score restoration agencies and consultants use our operator platform to manage their entire client roster from one console. Client intake, automated FCRA letters, certified mail, bureau response tracking, and subscription billing all run under your brand. Scale your business without scaling your workload.