30,000+ Clients Served
Fix your credit.
Rebuild your life.
We've removed over $100 million in negative debt for thousands of clients. Credit repair that actually delivers results — not excuses.
Clients
Removed
Day results
Why Choose Rapid?
Built on results, transparency, and a process that actually works.
Results in as little as 7 days
Rapid is rapid — many items fall off within the first week of round 1.
$100M+ in debt removed
Real receipts. Real numbers. Real outcomes.
30,000+ satisfied clients
Thousands of profiles rebuilt across the country.
A+ reviews across the board
We earn trust by doing the work.
What We Can Remove
If it's hurting your score, we go after it.
The Process
From consultation to clean credit
A free consultation is required for every new client — it's how we quote your exact item count.
Book Your Required Consultation
Every client starts with a free consultation — it's required so we can quote your exact item count. Pick a time on our calendar.
Purchase Your Plan
After the call, pay the $150 setup fee + $35 per negative item we'll dispute. Secure checkout, no surprises.
Activate Smart Credit
Sign up at SmartCredit.com ($39/month) and save your login in your client portal so we can pull your tri-bureau reports.
Complete Onboarding
Submit your government ID, Social Security card, and a utility bill through your portal — required to start disputes.
We Begin Your Disputes
Round 1 ships within 24 hours of onboarding. Track progress live on your dashboard. Results often visible in as little as 7 days.
Important: The consultation is required, not optional. Smart Credit must be active and onboarding documents submitted before disputes begin.
Simple, Honest Pricing
Pay for the work, not the promise
A flat $150 setup fee gets you started. After your consultation, it's just $35 per negative item we dispute — no surprises, no padded packages.
Setup Fee
One-time, due at signup
- Covers account setup and onboarding.
- Includes full credit analysis across all three bureaus.
- Required to begin your consultation.
Per Negative Item
Per item disputed
- You only pay for the work we actually do.
- Final item count confirmed after your consultation.
- Covers collections, charge-offs, late payments, inquiries & more.
Requirements (all plans): Active SmartCredit monitoring ($39/month), completed onboarding documents, and timely responses required.
About Rapid
We've been where you are.
Rapid Credit Repair was built by people who know firsthand how heavy bad credit feels. Drowning in debt, denied for everything, stuck on the sidelines while life moved forward — we lived it. Then we beat it.
The same strategies that took our own scores from the 400s to the 800s are the ones we now run for our clients. Thousands of profiles rebuilt. Real homes bought. Real businesses funded. Real freedom.
If you're ready to take the first step, we're ready to walk it with you.
Client Stories
Real receipts. Real results.
"Six months in and I just closed on my first home. Rapid removed five collections and three late payments. They did exactly what they said."
"I was skeptical after getting burned before. The first round wiped two charge-offs. The portal kept me in the loop the whole time."
"The portal made everything clear. I booked the call, paid my setup, uploaded my documents, and watched progress move every week."
Still Not Sure?
Frequently asked questions
Take control of your credit today.
Book your required consultation — it's free, takes 15 minutes, and we'll quote your exact plan on the call.