Shonda Martin

Restore. Build. Maintain. Leverage.

Choose your Credit Academy seat.

Start with the self-guided Dispute Hub, add SmartCredit when you need full 3-bureau visibility, or step into VIP when you want the full guided Credit Academy system behind your next move.

Get The Dispute Hub Compare Options
24/7 member portal access
3 bureau credit focus
VIP guided action support

Pick the lane that fits you.

Three clear options: start with the self-guided Dispute Hub, choose VIP for fuller support, or add SmartCredit 3-bureau visibility as your credit-monitoring lane.

DIY Access

Dispute Hub

$37.99one-time fee

The non-guided DIY lane for Cousins who want the full dispute kit, clear steps, and light instructional support while handling the process themselves.

  • Full access to the Dispute Hub with the dispute path, tracker, response decoder, and more
  • Step-by-step directions, templates, and instructional support built for self-guided action
  • Light support experience so you can move independently with more clarity and confidence
  • Built for Cousins who want the tools and structure, but do not need the deeper guided VIP layer
Get The Dispute Hub

One-time access for the full self-guided kit with instructional support, without the hands-on VIP experience.

Credit Academy VIP

Join The Academy!

$39.99/mo · 7-day free trial

Everything in Tier 1 and Tier 2, plus the premium Academy experience for Cousins who want dedicated guidance, more support, stronger systems, and less heavy lifting on their own.

  • Everything in Tier 1 and Tier 2, plus more resources, tools, insights, education, and courses
  • Patent Pending Dispute Engine to help organize your next steps with more ease and intention
  • Member-Exclusive Resource Library with templates, letters, tools, education, and more
  • Member-exclusive webinars, workshops, and cohorts covering credit, homeownership, finances, business, and more
  • SmartCredit 3B report and full suite of credit-building tools built to complement Credit Academy
Join The Academy!

Includes a 7-day free trial. Full price is charged on day 8, with everything in Tier 1 and Tier 2 already built in.

Powered by SmartCredit

SmartCredit 3B Visibility

$24.99/mo monitoring + profile tools

For Cousins who need full credit monitoring, a complete 3-bureau report spread, and help building a stronger credit profile before stepping into VIP. Upgrade your account anytime when you are ready for more support.

  • Full 3-bureau SmartCredit report access with score tracking and monitoring alerts
  • $1M identity protection plus alerts built to help you stay ahead
  • Personalized credit card pay date options and tailored lending directives
  • SmartCredit's full suite of credit-building tools designed to complement Credit Academy
Start SmartCredit 3B

When you are ready for more support, you can upgrade your account anytime to the VIP Academy option.

Still undecided?

Be My Guest.

Come tour the community, get a feel for the neighborhood, and explore the resources before you decide. Join us as my personal guest for 7 full days.

Start Guest Pass
Monitoring Add-On

Need reports, alerts, and protection first?

SmartCredit gives you the visibility layer: 3-bureau reports, score tracking, monitoring alerts, $1M identity protection, personalized pay date options, tailored lending directives, and a full suite of credit-building tools before or alongside your Academy work. Upgrade anytime when you are ready for the full Academy experience.

3B Credit Reports Score Tracking $1M Identity Protection Pay Date Options Tailored Lending Directives Monitoring Alerts
Get SmartCredit

Simple on the front. Serious underneath.

Dispute Hub gives you the self-guided kit, SmartCredit shows you the file, and VIP brings the full Academy system together.

Instead of juggling random templates, the Engine integrates everything: Metro 2 compliance, attorney review, strategic sequencing, and full tracking of your progress. It is guided DIY, so you stay in control while the Academy supports the heavy lifting.

The Engine powers your disputes. The Academy builds your knowledge. The community keeps you supported.

Start DIY

Use the Dispute Hub for the kit, templates, tracker, and instructional support while staying fully self-guided.

Build Visibility

Use SmartCredit for 3B reports, score tracking, monitoring alerts, identity protection, and credit-building tools.

Go VIP

Step into everything in Tier 1 and Tier 2, plus the Patent Pending Dispute Engine, member-exclusive resources, webinars, workshops, cohorts, and more support.

Built for action, not confusion.

The page now separates the decision cleanly: self-guided DIY, monitoring visibility, or full Academy VIP support.

01

DIY self-guided lane

Use the full dispute kit, templates, and instructional support while handling the process yourself.

02

SmartCredit-powered visibility

Use reports, scores, monitoring alerts, identity protection, pay date tools, and lending guidance.

03

VIP Academy support

Use the full Credit Academy membership when you want the Engine, exclusive resources, education, community, dedicated guidance, and more support together.

Ready to join Credit Academy?

Start with the Dispute Hub, choose SmartCredit if you need visibility, or join the Academy with a 7-day free trial before billing begins on day 8.

Get The Dispute Hub Join The Academy! Member Login

Questions before you join?

Short answers for the decisions people usually need to make before creating an account.

Is this for beginners?

Yes. The page is written for people who need credit basics as well as people who are ready for a more strategic next step.

What happens after I create my account?

You will enter the Credit Academy member flow where you can access the portal, connect required monitoring when prompted, and begin using the available education and tools.

Can current members use this page?

Yes. Current members can use the login button to return to the member portal without creating a new account.

Does this replace the homepage join section?

It can work as the dedicated landing page while the homepage section becomes a shorter preview that links here.