Sterling Credit Solutions · Alice, TexasDIY
$0No service fee from Sterling
For self-starters who want the tools and a clear path, and prefer to do the work themselves.
SmartCredit monitoring$39.99/mo
Sterling service feeFree
How it works
Getting started is simple
Enroll in SmartCredit
Sign up for credit monitoring at $39.99/mo, billed by SmartCredit directly.
Review and dispute
Go through your reports, identify inaccurate items, and get guidance on disputing them.
Build stronger credit
Follow a clear plan and healthy credit habits. Most clients work with us for 6–12 months.
Not sure which plan to choose? Book a consultation to get some guidance.
Book a consultationPlans & pricing
Two ways to work with us
Full Service
Work with Margie$99/moplus a one-time $150 initial service fee
For clients who want a credit consultant in their corner, from the first review to reaching their goals.
SmartCredit monitoring$39.99/mo
Initial service fee$150 one-time
Monthly service$99/mo
CancellationFree, anytime
Both plans start with SmartCredit monitoring, paid to SmartCredit directly. Enroll here.
Compare
What each plan includes
| Feature | DIY | Full Service |
|---|---|---|
| 3-bureau credit monitoring through SmartCredit | ✓ | ✓ |
| Credit education resources | ✓ | ✓ |
| Step-by-step guidance for disputing errors | ✓ | ✓ |
| One-on-one consultations with Margie | — | ✓ |
| Personalized credit action plan | ✓ | ✓ |
| Ongoing dispute support and progress check-ins | — | ✓ |
| Sterling service fee | Free | $150 + $99/mo |
FAQ
Common questions
Why do I need SmartCredit?
SmartCredit gives you ongoing access to your credit reports and scores from all three bureaus, so you and your consultant can see exactly what is being reported and track changes as you work your plan.
SmartCredit is $39.99/mo and is billed by SmartCredit directly, not by Sterling Credit Solutions. You manage or cancel that subscription with SmartCredit.
How long does the process take?
Most clients work with us for 6–12 months. Your timeline depends on what is on your reports, how quickly the credit bureaus and creditors respond, and how consistently you follow your action plan.
Can you guarantee my score will go up?
No. Every credit file is different, and no one can promise a specific score or outcome. What we provide is education, a clear plan, and guidance so you can make informed decisions and build healthy credit habits.
What does it cost, and can I cancel?
DIY has no Sterling service fee. You only pay SmartCredit for monitoring.
Full Service has a one-time $150 initial service fee and $99/mo. You can cancel Full Service anytime at no charge.
Can you remove negative items from my report?
Only items that are inaccurate, incomplete, unverifiable, or outdated can be disputed and potentially corrected or removed. Accurate, timely information can legally stay on your report, and we will be upfront with you about that.
Can I dispute errors on my own?
Yes. You have the right to dispute inaccurate information directly with the credit bureaus and creditors yourself, at no cost. Our services are for people who want education, structure, and support while they do it.