Understand the workflow, the demo, the costs, and what your staff needs to review. Need help with your specific setup? Contact [email protected].
What is Smart FCRA?
Smart FCRA is web-based credit repair business software from RJ Business Solutions. It brings client records, credit report review, dispute-letter preparation, response tracking, a client portal, and staff training into one workspace.
Who is the software for?
It is designed for credit repair organization (CRO) owners and their employees, including virtual assistants with assigned permissions. It is business software, not a service that repairs a consumer's credit on its own.
What does a typical client workflow look like?
Add the client, complete onboarding, import a supported report, check the extracted information, review potential issues, prepare and approve documents, then record responses and follow-up tasks. Your staff remains responsible for reviewing the facts and deciding what action is appropriate.
Do I need to know how to code?
You do not need to write code to use the main staff interface. Start with the Training & Support area and guided walkthroughs. Connecting an outside provider can require that provider's account, credentials, permissions, and configuration.
Can I explore Smart FCRA before buying?
Yes. The interactive demo uses sample information and includes a full guided tour, a shorter highlights tour, written explanations, and optional browser narration. It does not send real messages, upload live client reports, or make changes to a paid organization.
Why does the demo ask for my business details?
Your name, business, address, email, and phone are collected for demo support and sales follow-up. The demo lasts eight hours and is restricted to its original browser and starting IP address. Changing networks or clearing cookies can block access. The privacy policy explains how information is handled.
Can several employees use the same demo?
The prospect demo is limited to one original browser and IP address, with duplicate checks for email and phone. It is not a shared staff account. Contact support to discuss an evaluation involving multiple employees or a shared office network.
What can I do with credit reports?
Staff can import supported credit report files and use the available report integrations, including MyFreeScoreNow where configured. Supported format and provider requirements matter. Always compare extracted account information with the original report before using it in a dispute.
Does uploading a report mean every detail is correct?
No. Scanned documents, missing pages, unusual layouts, and unclear text can affect extraction. Review personal information, account ownership, balances, dates, payment history, and bureau differences. Correct or escalate inconsistencies before preparing letters.
How does AI help prepare dispute letters?
The letter workflow uses selected findings and available client evidence to prepare drafts. Your staff must verify the facts, recipient, requested correction, supporting documents, and any legal references before approving a document. AI output is not a legal determination.
Does Smart FCRA guarantee deletions or higher credit scores?
No. The software does not guarantee deletion of accurate information, score increases, credit approval, funding, or legal outcomes. A flagged item is a prompt for review, not proof of a legal violation.
What can clients see in their portal?
Depending on their organization's configuration and access, clients can view available documents, provide information, review their case, and use learning resources. Staff controls the permitted workflow. The CRO training area is intended for operators and staff.
How do I train employees and virtual assistants?
Use Training & Support and the in-app guidance to explain each task. Assign permissions appropriate to the person's role, practice with sample information, and require review before sensitive actions. Do not share administrator credentials.
Can I use my business branding?
Organization branding is available in the software. White-label and multiple-organization features depend on the selected plan. Review the Enterprise / White Label offering and confirm your branding and domain requirements before purchasing.
What are the monthly software prices?
The listed monthly plans are Solo at $197, Professional at $397, Agency at $697, and Enterprise / White Label at $1,497. Review the plan details and the final checkout total before paying. These are software subscription prices, not consumer credit-repair service fees.
Are outside services and usage charges included?
Do not assume every outside service is included in the subscription. Mailing and postage are billed separately. Credit monitoring, messaging, AI usage, and other providers may have separate charges, account requirements, or usage limits. Confirm the costs for your intended workflow before subscribing.
Does buying a plan automatically connect my integrations?
No. An integration may require credentials, a location or account ID, provider permissions, and a successful connection test. A listed connector is not proof that your particular account is connected. Check the Integration Hub and test the workflow before using it with clients.
Can I connect GoHighLevel?
Smart FCRA includes GoHighLevel integration routes and organization-level configuration. Setup requires the appropriate GHL token and location ID or a supported connection method. Verify the intended subaccount, field mapping, consent handling, and sync result before enabling your live workflow.
Can I use contracts, signatures, email, and SMS?
The software contains document and communication workflows. Availability depends on your plan, organization settings, provider setup, and applicable permissions. Complete a consented test of delivery, signing, and storage before relying on a workflow for real clients.
Can I move from another credit repair system?
Review the data you can export from your current system and the import formats supported in Smart FCRA. Start with a small sample, check field mapping and duplicates, and reconcile the results before moving a larger client list. Do not assume a one-click migration is available for every provider.
How should I choose a plan?
Start with the tasks and integrations your business needs. Solo is presented for independent operators, Professional for growing teams, Agency for established operations needing broader workflows and API access, and Enterprise / White Label for multiple-brand needs. Confirm any staff, client, usage, or domain limits before checkout.
Where do I get help or ask about billing?
Use Training & Support inside the app or email [email protected]. Include the page, the steps you took, and the error message, but do not email passwords, full Social Security numbers, or complete credit reports. Review the terms and your subscription details for cancellation and refund conditions.