Do It Yourself

Credit Repair

It all starts with your Credit Report!

Use the steps below to get a copy of your Credit Report and then Heritage will, without cost or obligation, give you a FREE credit analysis and explain step by step what you can do to improve your credit score using the Smart Credit app!

  1. Go to for the app
  2. Choose the Premium option ($29) to get your report and the DIY app.
  3. Forward your Password to
  4. Put “Free Analysis” in the subject line.

Or follow the first three steps above and then:

Simply use the handy form below and write “Free Analysis” in the Comment section.

Once we receive an email or form, we will review the Smart Credit report with you and explain at no cost how to use the app to repair your own credit!

Still getting harassed by collectors while you are repairing your credit?  Heritage Credit Group can help!