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Trustworthy & Efficient

Review By: Valerie Hill - If you have credit issues, Credit Smart Repair is the way to go! I'm seeing great results! Don't hesitate! Trustworthy & efficient!

The Real Deal...

Review By: Zoe Anspach - This guy here is the Real Deal for anyone considering his credit repair help!

More Space To Live...

Review By: Robert Hill - Let me tell you about a life saver person & company Credit Smart Repair. Robert made the impossible turn possible for my wife, children and I. My credit score was in the low 500's. Lora and I were looking at selling our house and buying a new one. Well, that couldn't happen without Robert's help. He changed my credit score from the low 500's to 640 in a matter of months. My wife and I were able to upgrade and get into the house we wanted so my children can have a yard and a culdesac to play in and have much more space to live.

It Really Works...

Review By: Nate Haines - I can't say enough good things about Credit Smart Repair. I'm currently in the process of repairing my credit and I can tell you it really works! Its been exciting to watch my credit turn around so fast. Wish I would've done this a long time ago....

Affordable And Thorough...

Review By: Michael Rott Attorney at Law - I have referred a number of clients to Robert and Credit Smart Repair.  Their work is fast, affordable and thorough.  I highly recommend this company and will continue to recommend that my clients work only with them to ensure their credit is repaired properly.

Credit Myths Series 2 is Here!

You asked for it so check back and check it out. Because the world of credit scoring is largely a mystery, mortgage planners, lenders, and credit experts throughout time have taken educated guesses on which factors determine a person’s score. As it turned out, they were right most of the time, but not always. As a result, many borrowers are operating under credit myth results, many borrowers are operating under credit myths. Check back to see the next post in this series you don’t want to miss! Dive in, Comment and SHARE!

Credit Myth #10 of 10 (Series 1)

This is far, far, far from the TRUTH! Read on and do not be fooled! Q:It is illegal for creditor to take a negative, accurate listing off my credit report. The law requires that these items remain on the credit report for at least seven to ten years. A: When you speak with credit grantors, collection agencies, or credit bureaus, their typically under-educated staff may tell you all manner of such legal nonsense. The law demands that negative listings appear on your credit report for no longer than seven to ten years. Then credit grantor or the credit bureau can choose to delete the negative credit listing whenever they see it. (In any case, they are the ones that placed it on your credit

I Am Completely Pleased...

Review By: Gerard Sanders - I would like to take this time to thank you and Tracy for introducing me to Robert Montoya. In the short period of time (90 days), Mr. Montoya has been successful in The removal of several derogatory entries reflected on my credit report. The process outlined at the onset was both Professional and accurate. I am completely pleased with service provided and only wished it was available much sooner. Thank you. I am fully persuaded that through his diligent efforts, we will be able to provide a much better Credit Portfolio.

Express My Gratitude...

Review By: Bryan Maryon - I wanted to take a moment to express my gratitude to Mr Montoya and his credit repair processing services. He is very professional and extremely knowledgeable with what he does. He takes the time to answer your question and is accessible at almost any time. As a working nurse my schedule is very hectic but Robert takes the time to speak with me on Saturdays and Sundays to answer my questions. He also gets great results my credit score is increased by approximately 50 points will only continue to increase! I would encourage anyone trying to improve their credit or gain a deeper understanding of credit to work with Credit Smart Repair & Mr. Robert Montoya

Credit Smart is #1...

Review By: Bryan Weatherman - Thank you again for everything always on top of things, fast work and results excellent customer service With in a month paperwork stated coming in with all the changes on our credit report and questions we had Robert responded fast. Definitely Credit Smart is highly recommended and excellent service. If you have any questions regarding your credit please don't think twice call Robert if he can't fix it nobody can. Credit Smart is #1

He Was Always There…

Review By: Alexandra Acosta - I am Alexandra Acosta I am performing artist and I was very frustrated for several years about some errors reported on my credit, thank God one day Mr. Montoya was introduced to me and he helped remove them with such a respect and friendly treat, he was always there when I need an answer. Thank you Robert for bringing order to my credit and into my life again!!!! God bless!!!

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15981 Yarnell Street Suite 103
Sylmar, CA 91342


Tel: 877-567-4529

Fax: 661-215-5147


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