Score improvement is what happens after the obvious negative items come off your credit report — and it’s where most credit repair companies quietly drop the ball. Crowned Credit’s score improvement service is a dedicated workstream that analyzes the five factors FICO 8, FICO 10, and VantageScore 4.0 actually weight (payment history, credit utilization, account age, credit mix, and new credit) and then attacks the two or three that are holding your specific profile back. We don’t recommend opening a stack of new cards just to pad your mix; we don’t hand you a PDF and call it a day. We build a personalized improvement plan, run it each round, and track the score lift inside your SmartCredit dashboard so you can see exactly which moves moved the needle.

Every credit file is different, so the honest answer is that results vary by individual and we never promise a specific number of points or a specific timeframe. Some profiles move faster, some slower, and how much movement is possible depends on what is actually on your report. What we do promise is the work, the strategy, and our 90-Day Zero-Removal Guarantee on every plan: if no item is deleted or corrected on any bureau within 90 days of our first confirmed dispute submission, you can claim a full refund of the service fees paid in that window (qualifying conditions apply). Below you’ll find the full service, the FAQs, and a clear next step when you’re ready.