Credit Smart is a simple step by step guide to helping consumers repair and build their credit. Credit Smart gives you the tools you need to dispute with the 3 major credit bureaus. Tradelines you can purchase to build your credit score. A cheat sheet to knowing which credit card companies pull from what credit bureaus, secret tips to removing bankruptcies from your credit report and many more credit tips and education to help consumers maintain great credit. Welcome to the 700 hundred club starts here. Please be advised there aren't any refunds on this product.