Credit Repair

Are you in need of establishing or repairing your credit score?

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If you are in need of repairing your credit score because of bad debts or past bankruptcies, we may be able to help you! If you haven't established any credit yet and lenders won't approve you, we may be able to help you!


What will Smart choice do for me?


At Smart Choice we have programs that are designed to help you re-establish your credit history, no matter why you have bad credit. We will allow everyone the option to have their good payments reported to the credit bureau. This allows you to be in charge of improving your credit score!


At Smart choice you can enjoy your new purchase and build your credit score at the same time! It's easy!

How does this program impact my credit?

This program will impact your credit score because your installment payments will be reported to the credit bureau. For this program to have a positive effect on your credit score it is essential for you to honour its obligations. A Smart Choice Credit Recovery Program may help improve your credit score by building a credit history provided your payments are made in full and on-time.
Smart Choice can help you leave past credit issues behind and start building your credit history with each and every payment.
The Smart Choice Credit Recovery Program is a great alternative to a secured credit card when you are re-establishing credit. Plus, there is no $500 or $1000 up-front amount to come up with out of your pocket, and you get to enjoy your purchase right away. You will never have money tied up that is doing nothing for you.
With a full line of household furnishings, electronics, appliances, mattresses and computers for you to choose from we can create affordable and flexible payment options that work for you. With incredibly low payments like $15/week for a washer and dryer set you can enjoy these items and start improving your credit today!

With Improved Credit

Improving your credit could save you thousands in long term interest costs on big ticket items like loans, cars or even a mortgage. Your Credit is often looked at by landlords when applying for an apartment and even employers when your applying for a job. Your improved credit can help you get that new apartment or job that you’ve been after.


While having a reported payment and honouring its obligations can help build credit, too many loans may be seen by potential creditors as an increased risk. Failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.
The Smart Choice Credit Recovery Program offers Installment credit (Installment credit : borrower promises to repay in equal amounts over a specific period of time) and is not a credit repair service.


Let us help you get started today!

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