The platform is easy to use and the… The platform is easy to use and the educational aspect was very insightful with having no prior knowledge. It has its limitations however. I have went through now 5 rounds of disputes with certain accounts with no success, and I’ve had one collection removed. I would like another two and it seems again this program has limitations on where it can be helpful.

After sending out my 1st round of… After sending out my 1st round of letters my credit scores increased!! Experian increased 80 points, Equifax 48 points and Transunion 37, this is much better than expected. I just sent out my round 2 letters and hoping to see them increase again. My goal is to get to 700+ on each of the reporting agencies. Credit Versio system is very easy and user friendly, cant thank them enough for making this system and this process!! I didn't think it was possible to increase my credit score so quickly. Thanks again!

Satisfied customer I love the fact that everything is user-friendly on the website. If you need assistance, there are self-guided videos. Since using Credit Versio, my credit score has gone up 50 points. I definitely recommend using Credit Versio.

Horrible Horrible!! What a waste of time and money!! I paid for the membership from January-May 2023. 5 months of paying and sending letters. Not one thing was removed from my credit report, not even an inquiry. Only way to actively remove anything from your credit report is through consumer law; in which credit versio/smart credit does not offer!! Also, credit score is a whole different ballgame than your Fico score!! Beware before you spend your hard earned money!

True Review It worked fairly well. It does not take everything off your credit but I also know that it’s not build to take 100% of everything off your credit. It did help get some derogatory marks off my credit report. Derogatory marks that can still show consistent records that you owe will stay on your credit report. Credit Versio specializes in getting negative accounts that aren’t keeping adequate records. When these accounts are sold off to different collection agencies, things are lost, companies have bad record keeping & organizing skills. Which versio helps remove those account when they can’t provide proper documentation to up hold their right to collect. So I definitely recommend. Super easy. Print, fill & sign, add a copy of your license, send & wait. I did up to round 2 of letters. I closed my account due to the 3rd letter not being necessary. 4 derogatory marks left. 1 soon to fall off and the rest I will deal with. My credit scale went from low 5’s to high 6’s across the board & Equifax at mid 700. I’m not a paid rater. I’m a real deal regular Joe that didn’t care about my credit until recently.