About Credit Smart Solutions

We are a licensed and affiliated credit repair company.

Our Mission

We provide credit and financial education, tools, and resources to help you achieve financial and life success. We work to help you experience the tremendous relief and freedom that comes with good credit and financial security.

Our Core Values

“Honesty & integrity is a must. I started this business to help people through the process of healing from past credit and debt situations. We have now evolved into a full financial firm focused on financial literacy.” —Joseph Frey, CEO

What Drives Us

We don’t just repair credit, rather, we educate people and help them better manage their finances, so that they can achieve true financial healing, stability, and independence.

Joseph Frey, CEO

At Credit Smart Solutions, we believe that everyone should be able to realize the benefits of a good credit score.

Our years of experience in the financial services industry has led us to the conclusion that there are many good, honest, hard-working people who struggle every day with the consequences of with bad credit.

With this in mind, we made our credit repair program affordable, efficient, and simple, so that you and your family can enjoy the benefits of good credit and a bright financial future.

We are experienced professionals with a track record of eliminating bad credit history and improving our clients’ lives with financial planning.

This is my personal guarantee to you:

You will see the impact of our credit repair services in your overall credit profile within 90 days or we will pay you back 100% of your money — no questions asked.


Credit Smart Solutions has changed my families life for the better!  When I met with them, I had already filed bankruptcy and inaccurate items were still harming my credit score. They put a stop to the that immediately and had them report correctly. I can't thank you enough for understanding my situation and for the help. 

Sarah Loft

Satisfied Client,  2018

The Smart Solution for Your Finances

Credit repair is never something you want, but sometimes it is what you need. If you would like a free one on one consultation to discuss your situation with us, fill out the calendar. 

We look forward to talking with you in a safe and friendly atmosphere to address your questions. This is a big decision, and our goal is to make sure it is the right move for you and your family. 

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