"Millions" of dollars have been spent to convince you that nothing can be done about BAD CREDIT. The TRUTH is you do have rights and you CAN do something right now. It's the LAW! The time is NOW to prepare for tomorrow.
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Affordable, Effective and Powerful Credit Improvement Solution Is NOW Available To You. See You on The Inside!

What Our Clients Have To Say...

  • http://247loan.ca/emergency-loans-toronto emergency loans toronto Excellent Results…


    Credit Smart Repair has been extremely amazing with excellent results. Beyond my imagination I’d thought would happen. Firsthand, I was a little skeptical about it due to the sheer fact, the previous credit repair business at “CREDIT LAW SOLUTIONS” didn’t do anything for me but take my money!!!!! Untrustworthy, felt I couldn’t trust anyone ever again!!!!! My best friend and brother from my Mormon church Frankie had mentioned ROBERT with Credit Smart Repair to me. His brother had his own credit repaired with Robert himself and had amazing results in a short matter of time!!!! I trust my friend Frankie and put my trust into Robert hands and called him. Less than 60 days, he has done beyond belief!!!!!

    He’s a man of God who’s honest and sincere about helping people to get their credit back to good standing… First I thank God for putting Robert in my life and my best friend Frankie in touch with Robert. God is good and I can say, I highly very much trust Robert and put your trust into his hands. I promise you, he would NOT disappoint you!!!!

    I just purchased my first ever brand NEW car Prius because of Robert hard work!!!!!! So what do you have to lose?!!!! Give him a call. Good luck!!


    - Christopher Martinez
  • http://www.ecoenergyventures.com/bi/59/iniziare-con-le-opzioni-binarie.html iniziare con le opzioni binarie Improved Amazingly…

    lynn-guerreThank YOU, for all you have done and continue to do! My credit has improved amazingly in the few months that you have been working on it! I will continue to recommend your services, Robert!!!

    - Lynn Guerre
  • opzioni binarie vincere 99 volte Blew Them Out Of The Water…

    icon-smallRobert was truly a pleasure to work with. I recently used one of the nations largest credit repair services before talking to Robert, and he literally blew them out of the water. I highly recommend him as he truly knows what he’s doing.

    - Ryan Peck
  • http://www.physioconcept-nussloch.de/oh/146/binre-optionen-die-gewinner-strategie.html binäre optionen die gewinner strategie Saved Me Tons of $MONEY$…

    cghI can highly recommend Robert and his team. They are very professional and I have experienced a dramatic increase since I started working with him!  I worked with other “credit repair” firms in the past and have never gotten actual results.  The improvement in my score has saved me tons of money! Thanks Credit SMART Repair!! I Highly recommended them.

    - Christopher Gearheart
  • binäre optionen sichere strategie Best In The Business…

    Robert Montoya with Credit Smart Repair helps my client’s on a regular basis to get their credit scores up so they can buy a house. But not only does he help my client’s but he also helped a family member get their score up and back on track after a difficult time. If you are having credit problems I highly recommend you give Robert a try. He’s the best in the business!

    - Laura Coffey -Remax SCV
  • http://www.bretthoffmann.com/bz/6/binre-optionen-ratgeber.html binäre optionen ratgeber Client’s Can Now Purchase…

    rene enriquezJust want say Great Job to Robert Montoya! Thanks to him & his Credit Repair Expertise my clients can now purchase a home. Before Robert got started on their credit they didn’t seem to have a chance of getting a home. Their credit seemed so far gone that a loan approval did not seem to be possible any time soon at least. Well after a short and reasonable time in your program and against all odds, I am happy to report that this family is out shopping for a place to call home thanks to you!! There you have it! If you need advice in regards to credit repair look no further use Credit Smart Repair & ask for Robert Montoya…don’t forget to mention I sent you!

    - Rene Enriquez
  • http://www.pumpezabeton.com/bj/56/il-miglior-indicatore-mt4-opzioni-binarie-a-pagamento.html il miglior indicatore mt4 opzioni binarie a pagamento Successfully Removed Errors…

    Trudy KutyloSeriously, he is the 911 of Credit Repair.
    Robert Montoya of Credit Smart Repair is the go to guy! He is an expert and great resource in credit repair. Robert is truly amazing at what he does. I know this personally as Robert has had amazing results with my own credit as well as my clients. He successfully removed errors on my credit report, boosting my credit scores over 100+ points with each bureau totaling +300 points that I was unable to do myself! In addition, his results with my clients have proven to be a success!! Not only have they qualified for better terms on their mortgage, he just helped my buyer whom did not qualify for a mortgage, qualify for financing and now they just bought their first home!! Thank you Robert!

    - Trudy Kutylo – Home Smart SCV
  • binäre optionen aktien mit kopf He Was Always There…

    Alexandra AcostaHi everyone!! 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!!! You can see me here Alexandra Acosta

    - Alexandra Acosta
  • http://dolfinitygallery.com/ow/91/ridurre-al-minimo-gli-errori-nel-trading-di-opzioni-binarie.html ridurre al minimo gli errori nel trading di opzioni binarie Such A Great Solution…

    Barbara - RealtorI had a bunch of negative accounts reporting on my credit report. I did not know what to do and I was running out of time. I needed to move out of my rental and did not want to rent any longer. I called Robert and he gave me such great and sound advice. I did not even think twice about getting started. So after just 1 month I already started to see progress and great results. After a few months I was able to get my credit scores high enough to qualify for a mortgage. After I got my home Robert and his team continued to work on my credit until the entire 12 month term expired. AMAZING! Such a great solution. If you are ready for a 2nd chance, I suggest you call for a credit review. Mine was free. Get started and make your dreams come true! I did!! Thank you Credit Smart Repair.

    - Barbara Realtor
  • http://diradelarosa.com/bk/53/guida-strategie-opzioni-binarie.html guida strategie opzioni binarie Pleasure To Work With You…

    Gerardo CruzI wanted to write and thank you for all your assistance in getting the many errors on my credit reports deleted. You and your team have been extremely professional and incredibly responsive to my calls and emails. It has been a true pleasure to work with you and the ultimate payoff of significantly improved FICO scores was certainly worth going through the process. Anyone on the fence about getting started just needs to do it and do it now. Thanks Credit Smart Repair.

    - Gerardo Cruz
  • telegram opzioni binarie Nothing But Amazing Outcomes…

    Robert HillI have had nothing but amazing outcomes with the services that are provided by Credit Smart Repair. Watching items being deleted from my record and watching my scores jump up is so very exciting.  I appreciate the new opportunities that Credit Smart Repair has given me.

    - Robert Hill
  • http://www.pumpezabeton.com/bj/69/opzioni-binarie-60-secondi-metodo-pratico.html opzioni binarie 60 secondi metodo pratico I’m Now At 700 & Climbing…

    Jesus BarajasThanks to you Robert Montoya & Credit Smart Repair, I Got the wife a well deserved car!! Life is wonderful!! Many, Many Thanks!!!

    - Jesus Barajas
  • http://fishinforfreedom.org/ot/21/leggere-grafici-opzioni-binarie.html leggere grafici opzioni binarie A Huge Thank You…

    Dennis_Gladys DoddI want to give a huge Thank You to Robert at Credit Smart Repair. We lost our Construction and Grading Business a few years ago and with that we also lost our perfect credit. With so many negative accounts on our report, it was the lowest you could go. But after reaching out to Robert and his company, to our excitement they were able to get almost everything off that was negative. He and his company did everything they said they would in the time they said they would. They always responded quickly to any questions by email or phone. I HIGHLY RECOMMEND them to anyone who thinks they can never get their credit restored. They help you get the negative off then let you know what you can do to begin to build it up again. Again Thank you so much Robert and your Team. Forever Grateful -The Dodds

    - Dennis & Galdys Dodd
  • Personable & Easy Process…

    icon-smallI had many errors reported on my credit history that kept me from being approved for a home loan.  Robert was able to help delete the negative data in order for me to improve my credit score to move ahead.  Prior to, I shopped around for with other credit repair services but Robert’s individualized one-on-one experience made it very personable and easy process.  He was always available for questions via texts, emails, and phone calls making it easy and prompt service.  I would definitely recommend and use his credit repair services again in the future. Thanks Robert and Credit Smart Repair!


    - Romero Martinez
  • I’m Beyond Thankful…

    Nadine FuentesI’m beyond thankful with your service. When I thought I had no hope on fixing my credit, now I’m ready to be a home buyer! I would recommend you guys to anybody! Thanks for all your hard work.

    - Nadine Fuentes
  • Amazing Job…

    Joshua PeckRobert and his team at credit smart repair have done an amazing job. There are many  credit repair companies out there making promises to fix your credit over night. I quickly came to realize it takes more than that. Robert and his team have diligently worked on my behalf to build up my credit. Since we started our journey together I have been approved for a credit card with a high limit and increased the limits on the few cards I already had. I am currently in the process of working with my credit union to get pre approved for a heloc. I still have a few more months to go with my program and expect great results as I have already seen them thus far. Thanks Robert!!

    - Joshua Peck
  • Robert Is Very Personable…

    Gesselle Acuna3Robert is a very personable and professional credit consultant. I started working with him 6 months ago and have seen incremental progress. He’s fighting in my behalf to get my credit up. I have full faith that by next year, I’ll have raised my credit score significantly.

    - Gisselle Acuna
  • Seeing Some Real Results…

    aissa jaravataI had several errors reported against my student loans. After years of paying everything perfectly, it still didn’t seem to make a difference on my credit. Thanks to Robert and his team, I am finally seeing some real results. After just a few months, it’s as if nothing went wrong in the first place! I highly recommend credit smart repair to everyone!

    - Aissa Jaravata
  • 13 Negative Items Deleted…

    Rosalind LoydAt first I thought this process was going to be stressful and difficult. But I was so wrong. After I got started, Robert has made my credit repair experience easy. My phone calls are returned right away and he is willing to answer all my question no matter how small. Within the first two months there had been thirteen negative items deleted from my credit report!   I am recommending all of my friends and family in need of credit repair to sign up for this program.

    - Rosiland Loyd
  • I Highly Recommend Him…

    I know I have seen some emails at the office since I’ve been here regarding Robert Montoya the credit repair guy. I just got off the phone with him after working with him for the past 6-7 months. He has really done an outstanding job at repairing my credit. When he first started back in March my lowest credit score was a 497 with three past due credit cards, an outstanding loan, and tons of medical bills. He has worked extensively FOR FREE (My mom won a free service) to ensure that he gets my credit up to par. Today, my credit High is 707 with the other two scores in the mid 600’s. With his help and my determination we were able to clean my credit up. I highly recommend him if you know anyone that needs some guidance or assistance raising their credit. :)

    - Casey Coffey
  • Exceptional Service…

    Alex MompointI have worked with Robert and Credit Smart Repair for the past year. Although my credit history is one of a challenging nature, Robert and his team were able to help clear most negative items in the credit reports that were affecting credit score.  My credit score improved an average +109 points combining the change from all 3 bureaus! The work that was done is greatly appreciated, as well as the exceptional service. Thank you!

    - Alex Mompoint
  • I Am Now A Homeowner…

    Deanna GutierrezRobert and his team were amazing. Never thought I would be a homeowner due to my credit but thanks to Robert I am now a homeowner. He is awesome. I recommend him to anybody needing help with credit problems. He makes it possible. Thank you so much!!

    - Deanna Gutierrez
  • Gave Me Great Advice…

    Allison TI had called Robert Montoya at Credit Smart Repair for advice on credit issues. He was very knowledgeable and helpful, he gave me good advice on how to handle the issues at hand and what steps to take in order resolve it.   I would highly recommend him, he’s very professional.

    - Allison T
  • Needed To Clear The Issues…

    stacey titter3.jpgMy husband and I were looking to refinance our mortgage to lower our monthly house payment. However, when we reached out to our broker, she let us know there were issues on our credit report that needed to first be cleaned up before we could get approved for a refinance. She referred us to Robert Montoya for help and we are so thankful she did. I reached out to Robert to discuss what he could do for us and Robert got back to me right away with the list of credit repair services he provided. It was exactly what my husband and I needed to clear the issues and errors from our credit reports, so we got started right away. Robert explained how the process works and what to expect throughout and made it very simple to understand. At the end of our services, our credit was in great shape and we just got approved for our loan and will be saving close to $600 a month on our house payment as a result! That’s a savings of over $7,200 per year and $216,000 over a 30 year period and that does not include the saving on interest!!! Enrolling was worth every penny! Without Robert’s help, we would not have had this success!

    - Stacey Titter
  • 3 Major Credit Cards…

    Tom Brown 1Was referred to Robert by a local lender to get my credit in order after a divorce, loosing everything and BK had ruined all of it. I did the typical, get a credit card, to start and was only issued low limits (average $500). Then try and dispute the issues myself as well as try to settle other issues for over 10 years….all with no avail. After signing up with Robert on June 1, 2015, he has been able to delete and correct many items so far, even the BK, and increase my credit score by just over 100 points! After 3 short months, I was able to apply and get approved for 3 major credit cards: Chase $13,000 limit, CITI/AAdvantage $5,000 limit, and Sam’s Club Master Rewards Card $3,000 limit. I have been denied these same cards for years. Without Robert’s help, the next chapters, would not even be on the radar: Lease a Car, Buy a Home. Thank you very much for the help and can’t wait to see what happens over the next 3 months. If you were thinking, like I was, these guys aren’t worth it and don’t know what they’re doing…you just might want to reconsider and give Robert a call.

    - Tom Brown
  • A Second Chance…

    Joey Caban 2I’m not so sure when I we started this journey but when I came to you, Robert I thought I would have to file for bankruptcy. But after speaking with you and giving me that reassurance. I feel as if a weight was lifted off my shoulders, and after what seemed like a few months I was eligible to qualify for my first car loan and purchased my Honda Accord. Well worth the time and knowing I have a second chance at credit stability. Thank you very much for your services and all the advice you give me when I have questions.

    - Joey Caban
  • Great Guy To Work With…

    BanuSuch a great guy to work with . He has change mine allot since I just started a month ago… Better credit… better life right?!! So worth EVERY Penny. Thanks a million!

    - Banu Gozlu
  • Such a Pleasure…

    Jennifer BissellRobert with Credit Smart Repair has been such a pleasure to work with. He has been attentive and available every step of the way. I had some minor corrections that he was able to take care of, started me out with a clean slate, and has educated me in the process. I now feel like I’m comfortable with the steps I need to take from this point forward in building my credit and maintaining it! Thanks so much for your help Robert!

    - Jennifer Bissell
  • Out Of Sight…

    Archie Mendoza.jpgGreat Job Robert! Credit Smart helped tune up my credit score and now it’s out of sight! I highly recommend Robert and Credit Smart Repair. Watch My Video Testimonial HERE!

    - Archie Mendoza
  • Robert Was Instrumental…

    Kara GRobert was instrumental in helping me clean up old errors that were on my credit report which were preventing me from getting better rates on my car loan. I reached out to him and after completing some minor paperwork he got started. I saw a change in my credit rating/report the first month. He was able to do what I couldn’t find the time to do and his services were well worth the cost (which are reasonable). He gave me a several good pointers and though I hope not to have any more errors in the future I will have no hesitation to reach out to him if I need to.

    - Karla G
  • Wouldn’t Have Beautiful Home…

    Kevin HernandezIf it wasn’t for Robert and the credit smart repair team I wouldn’t have the beautiful home to grow my family in that I have today. For years my wife and I talked about having children but knew we didn’t want to do it in the house where living in at the time. Unfortunately I had negative items on my credit that prevented us from making those dreams a reality. Until Credit Smart Repair helped remove those items and our dreams where able to become a reality! Thanks Credit Smart Repair for helping us create a beautiful family in our dream home.

    - Kevin Hernandez
  • 13 Negative Items Deleted…

    Rosalind PageRobert has made my credit repair experience easy. My phone calls are returned right away and he is willing to answer all my question no matter how small. Within the first two months there had been thirteen negative items deleted from my credit report.   I am recommending all of my friends and family in need of credit repair to sign up for this program.

    - Rosalind Page
  • He Is Doing A Great Job…

    Robert ValenciaIf there is anyone that has credit challenges, I have the man for you!  Robert is an expert at restoring personal credit and he can help you! He is doing a great job for clients and he will for you too!!

    - Robert Valencia-Partner
  • A Huge Shout Out…

    Rocco Cordola ReviewA huge shout out to Robert Montoya and his team. I am a single father of three young children, lost a business, got divorced and filed chapter7 bankruptcy. I had no means of getting any type of credit extended to me for an apartment, non the less a house. After retaining Robert to do my credit repair, not only did I quality for and FHA loan but am very close to being able to qualify for a conventional loan. Thank you Robert to you and your teams hard work and dedication in helping this family become a family again!!!

    - Rocco Cordola
  • You Helped My Client…

    natalie-blancardi1You revived what I thought was lost and gone. You helped my client and now he can move forward to buy his dream home!! …Credit needed repairing, and you my friend, did that and more!! I cannot thank you enough!


    - Natalie Blancardi-Partner
  • Amazing Job…

    heather-george-pleitez.jpgHey everyone! I’m posting to thank Robert Montoya for doing an amazing job at improving my credit score! He has removed many negative items & really raised my score! If anyone needs credit repair, this is your guy! Please check out & Like his Facebook Fan Page! Thanks again Robert!

    - Heather & George Pleitez
  • Thank You Credit Smart Repair…

    lisa-gomezMy credit was very bad very ugly as I told Robert. But thanks to him and his team I was able to qualify for credit for a Dental emergency I had today.I was shocked when they told me Mrs your credit is not that bad..All this in 9 months. Thank you Robert for your professionalism and for taking all my calls. I appreciate everything you have done for me. I highly recommend this company to anyone who is looking to fix their credit.

    - Liza Gomez
  • Honest & Very Straight Forward…

    randy-plaice-realtor“One of the things I like about you Robert is that you are very honest and very straight forward  and you give us realistic expectations upfront when I know other Credit Repair operations they don’t do that! You will take a look at things and give a real detailed estimation based on their circumstance”

    - Randy Plaice-Partner
  • The results are remarkable…

    alicia-atamThe results are remarkable :) ! I have seen major positive changes in my credit report in the last 5 months and am very excited to see how my report will look by the time a year hits. I will definitely recommend your services to anyone and everyone who is struggling with credit issues. I can’t wait to be able to purchase my new home! Robert thank you for all your hard work and commitment!

    - Alicia Sanchez
  • You Won’t Be Sorry…

    lindaOk my dear friends and family. Many if you have waited patiently and inquired for months for this moment. Here is Robert Montoya… he is the man that helped me tremendously with my own personal credit. Now give him a call. You won’t be sorry :)


    - Linda Dandridge
  • Robert thank you so much…

    Amanda-MoncibaisHaving bad credit honestly has been just the reality of my adult life. My credit was such a mess, I had no idea where to start or if repairing it was even possible….and having my credit run for a credit check was humiliating. After getting started in the Credit Smart program, In just a few weeks I start receiving letters from the credit agencies with pages of negative items that they had deleted from my credit report. I tried on my own to get these things removed and failed over and over again. I don’t have to be embarrassed or afraid anymore… Robert thank you so much for giving me back that pride and self respect! If anyone needs a personal reference…just send them this way! Click HERE for full Story!

    - Amanda Moncibais
  • He Is Your Guy!

    paul-de-la-cerdaNot a month goes by that I don’t hear about how Robert Montoya at Credit Smart Repair is helping people. If you need help or advice, he is your guy!

    - Paul De La Cerda
  • Robert is outstanding…

    gustavoHe will always has the time to answer your calls and messages promptly. If you’re looking to rebuild your credit to have a fresh start this is the Company to use.  I recently decided to apply for a home loan and Robert was always available to speak to my broker. Fixing your credit does not have to be a nightmare if you let the right people do it for you.

    - Gustavo Duarte
  • Wanted To Say Thank You…

    Irene DiNicolas

    Hi Robert, I haven’t been in touch for a while…I just wanted to say thank you. I know you are doing a fabulous job on my behalf because I was able to get a new car that I need. Thank you so very much!!Have a great day!

    - Irene DiNicolas
  • Robert has been exceptional…

    Amy SturtonRobert has been exceptional at repairing credit.  He has been a great resource for homeowners who have completed a short sale and want to start repairing their credit.   Many people Real Pro Advantage helped with a short sale are now able to buy a home again with Robert’s help.  I have seen his credit repair services increase credit scores by close to 100 points in just a few months.   Robert is very knowledgeable and has always been extremely quick to reply to my questions and referrals.  I recommend him to family,  friends, and clients who need any help regarding credit repair. – My business is – Real Pro Advantage.

    - Amy Sturton-Partner
  • I Am So Excited…

    kimberlyHappy New Year!  I hope you and your beautiful family had a wonderful Christmas Holiday! I attached all three credit reports I received last week.  I was happy to see that there were more deletions and that BMW came off of one agency. I am so excited and hoping that the next round they will all come off! I have a feeling this is going to be a good year for both of us! Thank you Robert for helping me get my life back on track!

    - Kimberly Atkinson
  • Amazing…

    beeson2Using them and it has been AMAZING! I recommend them all the way! Thank you for helping me delete the false information reporting on my credit. Finally, I have resolution and piece of mind and can sleep at night. Finally.

    - Elizabeth Beeson
  • Greatly Appreciated…

    AshleyNetworking at an AG event with over 300 agents. Robert handling credit repair, check! Your services and follow through are greatly appreciated. I recommend Credit Smart Repair all the way!

    - Ashley Ivey-Partner
  • Got approved for $10,000…

    david-morenoI know everyone’s credit is different and situation is different BUT…. I got approved for $10,000 credit line as a result of Robert’s insider tips and expert advice! Thanks for the TIPS and Credit Smart!!

    - David Moreno
  • He is honestly the BEST…

    mayra-angelique1.jpgIf you have any issues with your credit, need a better score or have something that was wrongfully added or needs disputing check out my friend’s website!

    He is a LIFE SAVER!

    He had something removed for me and he did it super quick too! Visit his site or send him a FB message. He is honestly the BEST!!! Happy I reached out or else I would have NEVER done anything about it.

    This year is all about making moves for me! That’s just one more thing off my list! Your credit score is SOOO ridiculously important. Thanks Robert you’re amazing!

    - Mayra Angelique
  • I recently purchased…

    joe-rendoMy name is Joseph, I was referred to Robert by a reputable source to help me re establish good credit.  Within months he was able to rectify inaccurate information and boost my credit scores. I recently purchased a motorcycle I’ve always wanted at a great interest rate through Honda Financial.  thanks Robert and Credit Smart Repair! You can see my new bike HERE!

    - Joseph Rendo
  • I Am So Grateful…

    tandrea tarver“I am so grateful to credit smart repair and Robert’s team for all of the hard work they have put in in clearing up my credit! Not only have a number of items fallen off of my report, but my score has seen a dramatic increase! In addition, whenever I needed Robert’s help on anything, he was available to answer questions in a timely manner. I will definitely be using his company in the future and also be referring people to him!”

    - Tandrea Tarver
  • 20 Items Deleted…

    cameronI got over 20 items deleted and  raised my score over 80 points in just 30 days FLAT! Thanks Credit Smart Repair. I recommend Credit Smart Repair. I was guy down on my luck and had credit issues but now I know I am on my road to recovery! The sooner you do it the better off you’ll be. I look forward to seeing you all in Good Credit LAND!

    - Cameron Balu
  • Future Looks Even Brighter…

    ArmandoCredit Smart Repair was referred to me by my real estate agent after we had noticed a few errors on my credit report that we’re going to hold up the approval process on the purchase of a new home. I interviewed Robert and he explained the process to me very clearly and we got to work within hours of my selecting an offered package. Within 30 days he had helped me raise my credit score by almost 80 points. Instant savings! But that wasn’t it! Robert continued to work on getting me information that helped us seal the deal with a few days. Best part of all this is that I still have Credit Smart Repair working for me for another four months! My credit score future looks even brighter!

    - Armando Vergara
  • I Was Really Amazed…

    sandy nelsonCredit repair can often be challenging if you’re either dealing with a company that does not deliver results or a credit repair company that make false claims by saying they can achieve quick results.  You spend so much money through the entire process and usually end up disappointed with little or no improvements in your scores.  When I was first introduced to Robert Montoya of Credit Smart, I was hesitant to use his firm due to previous experiences I had with incompetent credit repair companies.

    But after speaking with him, I felt secure with his honesty and his in depth knowledge about the credit repair industry.  He was so understanding that I felt at ease discussing my situation.  I decided to hire him to clean up my credit report and convinced myself to trust the entire process.  Robert continually walked me through each step as I had to do my part in order to start seeing positive results, which is sending the credit report updates from each bureau to Robert once I received them in the mail and if I mved notify him as this is a very critical detail through the process as I get all the credit report updates.

    Within only a few months, I immediately noticed the negative items that were removed from my reports!  I was really amazed!!  Robert’s professionalism, how quickly he responds to concerns and questions, and his follow through made this process effortless.  I highly recommend his services to anyone that needs any type of credit repair, minor or major…he WILL get it done!  He’s my secret weapon!

    - Sandy Nelson
  • Credit Smart Boosted My Credit…

    toni rRobert from Credit Smart boosted my credit by +262 points within 3 months!!  I needed the points to be able to re finance my house and he was able to get my score to the 740’s!  I know all credit reports are different but if you do nothing then nothing will happen. So you must take action now to get better credit sooner than you think. If your going to spend the money on credit repair I recommend Robert!

    - Toni Rodosta-Volcano Produce, Inc
  • Saved My Life…

    teresa-lopezRobert and Credit Smart Repair has saved my life. After Medical collections and credit card charge offs (to name a few) my credit was in bad shape. Within 2 months of working with Robert, many negative accounts had already been deleted from my credit report and increased my credit score which was AWESOME! We’re continuing to work and build my credit but I am HIGHLY satisfied with the work he has done. The plan was easy and affordable and to top it all off Robert is easy to get a hold of and very knowledgeable. I would defiantly recommend him to all my friends and family as I have already! You’ll thank me later. Give him a call for a free review of your credit at 877-567-4529.

    - Teresa Lopez
  • It Works!

    Pat Gallegos-this program worksHit up my boy Robert Montoya so he can help you fix your credit. I went through this program… it works!

    - Pat Gallegos-Comedian
  • I Am Thankful…

    kirt -kingzettThanks for helping me out with my credit! If you need help look no further!!

    - Kirt Kingzett
  • Satisfied Friends & Students…

    matt-skinnerI appreciate the way you’ve achieved great results for some of my friends & students.

    - Matt Skinner
  • He Is The Best… 

    Joanie Hollingsworth-Is your credit holding you back? Is your credit in need of some help? Robert Montoya can help! He is the best!!

    - Joanie Hollingsworth – Partner
  • I Am Very Impressed…

    eric-goodenJust recently had my credit score improved by Robert Montoya, CEO of Credit Smart Repair and I must say that I am very impressed!!! Looking to Boost your credit scores? Call Robert to fix your credit today!!


    - Eric Gooden-Client & Partner
  • This Guy Is Awesome…

    melissa This guy is awesome! You need to repair credit? Get at him!

    - Melisa Cunningham
  • Credit Repair STAT!

    stephanie page1 Clients were elated, to say the least, about having Robert Montoya start attacking their credit to improve their FICO allowing them to make home ownership a reality. Call him today to get started! Robert can be reached at 877-567-4529 OR email: gocreditsmart@gmail.com or Facebook him. Don’t wait. Go! Get going…you’re still on my page…Here’s to a future congratulations on your new home!

    - Stephanie Paige – Partner
  • Stop Waiting And Call…

    Anybody in need for credit repair so you can get where you need to purchase your dream home!!! Stop waiting and call Robert Montoya at Credit Smart Repair!!!!

    - Danielle Halyak – Partner
  • Message Him On Facebook…

    If you know anyone in need of credit repair, Robert Montoya is your man. Message him on Facebook that you are my friend and soon you will be approved for loans again and maybe buy a home! I am only referring him cause I know personally how he has helped his and my clients.

    - Kristen Alrayes – Partner
  • Shout Out For Great Service…

    I want to give a shout out for great service. Thank you Robert Montoya for your advice and help! If you are in a sticky credit situation, or just want some information, Robert is a wonderful person and professional to talk to. He is extremely knowledgeable about how to make your credit shine! Having good credit is not only important to purchase a home, but good credit helps with any financing you may need (cars, furniture, whatever can be financed). If you need some help or want to know where you stand, please contact him!

    - Stacey Bittick
  • Robert Montoya is an awesome…

    Robert Montoya is an awesome credit repair guy who I used personally for my credit and refer to all my buyers in need of help! He just helped one of my buyer’s who had horrible credit get a home in less than 6 months!

    - Armando Padilla – Partner & Client
  • I Think That’s Fantastic…

    “Robert, thank you very much. Very interesting. Very timely. Good information. We appreciate you being on here”.

    - SCV TV – Dave Caldwell & Tami Edwards
  • CSR Can Raise Your Score…

    Good morning friends! Just would like to let everyone know that my longtime friend Robert Montoya is absolutely amazing at credit repair. If buying a new home or car seems out of reach due to credit issues, CSR can raise your score in as little as a couple of months! Check them out!

    - Stefani Killam
  • Contact Him ASAP…

    Thanks to Robert Montoya for educating our company today on how he can repair & improve our clients credit. We learned a lot today, so if you’re interested in having your your credit cleaned up so you can purchase a home contact him ASAP while home loan rates are still low.

    - Carie Herman – Partner
  • Awesome Job! More Deleted…

     My future home buyer is so excited with her results with Credit Smart Repair! Thank you so much!! Awesome job, more stuff deleted off her credit, she is getting so close to buying her home she is forever grateful!

    - Pauline Jones – Partner
  • They Really Do Perform…

     I discovered a credible and reliable credit repair company that really performs! Yes, As you know there are many unprofessional and scammy credit repair companies out there. Not this one. Credit Smart Repair has over a decade of experience removing negative data from all 3 credit bureaus. Their solution is effective, powerful and even better super affordable! Their solution solves a HUGE problem hundreds and thousands of people are facing since they were hit with hard times and are now bouncing back. Hands down their customer service is the best, top notch and personable.  If you want a company that provides results and best of all you can talk to a live person, this is it.

    - Tom Douroux – Partner
  • Keep Up The Great Work…

     My clients are so happy and they have thanked me over and over for connecting them with Credit Smart Repair. I am not sure exactly what you are doing to get the amazing results you are getting to help my clients increase their overall credit, but keep up the great work! Credit Smart Repair is the Real DEAL. Thanks again for your teams efforts and helping many people achieve their dreams of home ownership and beyond!

    - Heber Gonzalez – Partner
  • We Have Seen Positive Results…

    connor-maclvor.jpgThe fact of the matter is we have seen the positive results of Credit Smart Repair’s work.  We know it can be done, in a matter of months or less, Robert has taken many of our clients, recently out of Bankruptcy, Foreclosure, short sale or debt neglect, & brought their FICO scores to a level of being able to buy a home again. These were not isolated events!  We have seen this time and time again & so have other “top real estate performers” in the Santa Clarita City & in the Greater LA areas virtual Who Who’s of Top Producing Realtors & Real Estate agent teams. This partnership is a win for my clients & a win for my team. Don’t think, just get started and thank me later!

    - Connor MacIvor – Partner
  • I am really lucky…

     “I am really lucky that I was referred to Credit Smart Repair. There are companies out there that will rip you off in a second. Not only was  happy to pay I also received awesome and responsive service! They were able to get my credit in a better standing and I am definitely in a better place than before I got started with their program. Thank you again and again for helping me not only improve my credit but my lifestyle as well”.

    - James Guidry – Client
  • Super Excited Client…


    Just received a phone call from a super excited client, who can now purchase a home, thanks to Robert Montoya for helping her with her credit and raising her FICO scores. If you need help with your credit, call now! You’ll be happy you did. It’s so nice to have those clients, we refer to him, being able to pick up the phone and check on their status. It’s a win for our  Team and for the client! We are Blessed to have Robert as our Credit Repair “Go To” with regard to our clientele that have experienced hardships of one sort or another. Thanks for all they amazing results and help!

    - Paris Macivor – Partner
  • Really Knows What He’s Doing…

     mike-jones-huntington-beach-cash-flowRobert has removed 5 negative items off my credit report in 30 to 45 days. He really knows what he is doing. He knows how to legally use the law to help people. I look forward to my scores getting back in the 740 range again.

    - Mike Jones – Partner & Client
  • It Really Works!…

    Literally I went from a low 500 to a low 700, I went up about 200 points in about 3 and a half months! I got a new car, got great financing. I couldn’t be happier. It really works, give it a shot!

    - Zach McReynolds – Partner & Client
  • I Couldn’t Be Happier…

    Cherrie B“For years I have been in search for a good credit repair company and seemed like I could not find one that TRULY HELPED! Finally 10 years later I have found someone that we have used for the last year and I couldn’t be happier with!!! A ton of people ask me for a good credit repair guy… here he is!!! True results and great communication!!! You say – What a credit repair guy that communicates? Yes!!!!” This guy is awesome with Credit Repair!!! Our clients love him! Having great success!!!

    - Cherrie B.
  • Amazed With The Outcome…

    AH “When I first heard of your service I was scared that it would not produce what you were claiming. I was wondering what this service can actually do to increase my credit score. Then I saw the money back guarantee and I couldn’t pass this opportunity up to get the home of my dreams.  I was offered this service from my lender to help me increase my score and actually qualify to buy a home.  As I tried fixing my credit on my own and didn’t see results, I was just getting frustrated by all the time being lost.  I got started and 90 days later I could not believe it. My credit score had increased by 248 points! I was amazed at the outcome since the score was higher than I expected. I would like to thank credit smart repair for their service and making my dreams come true!! “

    - Angel Hernandez – Los Angeles CA
  • Your Service Rocks…

     “I really did not think much about credit repair and how it could help my clients get their dream home at first. But after I sent Robert one of my clients and then within 30 days saw the 10 deletions!… I was super excited. This is how I build my book of business. As the Official Super Woman of Real Estate I recommend Credit Smart Repair and Robert 100%. I will be sending all my clients here from now on. If you deal with clients with poor credit, send them here and they will improve it!”

    - Deanna Rivetti – Partner
  • I Was Skeptical At First…

    julie-benson“I met Robert through a good friend of mine. I have to admit, at first I was really skeptical. The main reason was because I had already paid 2 other companies that took my money & did literally Nothing! I paid one company 5 Thousand Dollars & the other 2 Thousand dollars. I had quite a few bad items reporting on my credit & I needed help bad. So Robert showed me positive results that other clients had with his service & plans. He even showed me his very own credit report with I think 9 or 10 Inquiry deletions. So I took the leap of faith one more time and you know what…it really PAID OFF! I recommend Credit Smart  Repair 100%”

    - Julie Benson – Los Angeles CA
  • I Got My Dream Home!

     “I was in escrow on a brand new KB home in Sylmar, California. I was close to closing escrow but my middle credit score had dropped just below qualifying. I had everything else verified except my score and the builder’s lender was going to pull again to make sure I still qualified for the loan. I was so stressed and could not sleep almost every night until I came across Robert’s website. So I Enrolled into this program and am glad I did. I closed Escrow and got my keys just about a month ago now. If you’re looking for a score boost & better credit,  Credit Smart Repair is your best BET! Thanks for lowering the stress I had buying my first home. I owe it all to you and your team.”

    - Noah Albiston
  • A Service I Can Count On….

    mike-bjorkman “Working with Robert and Credit Smart Repair has been amazing! I am happy. My clients are happy and the bottom line is their services work! I am all about performance and results, so if you are on the fence about getting started, don’t hesitate one more second! Thanks guys for providing a service I can count on.” 5 Stars!

    - Mike Bjorkman – Partner
  • I was so Excited…

    “I took action & I have got my new scores & cannot be more happier with the results. What a relief.  My score increase was over 186 points! This put me in the approval zone to move forward on some personal investing I wanted to do. I can’t wait to see next months results. Let’s keep it going! Thank’s Credit Smart Repair!!

    - Mercedes Luna – Studio City CA