Get With the Credit Repair Company That Actually Delivers Results Not Excuses.
We’ve Helped Over 30,000
Clients & Removed $100 Million
in Debt—Are You Next?
We Don’t Just Talk Credit Repair—We Show Receipts. 30,000 + Clients Served.
Get With the Credit Repair Company That Actually Delivers Results - Not Excuses.
We’ve Helped Over 30,000 Clients & Removed $100 Million in Debt—Are You Next?
We Don’t Just Talk Credit Repair—We Show Receipts. 30,000 + Clients Served.
Why Choose Rae's Recovery Co?
Results in as Little as 45 Days
Over $100 Million in Debt Removed
8000+ Satisfied Clients
A+ Client Reviews Across the Board
What We Can Remove
FORECLOSURES
STUDENT LOANS
LATE PAYMENTS
BANKRUPTCIES
COLLECTIONS
JUDGMENTS
REPOSSESSIONS
CHILD-SUPPORT
CHARGE-OFFS
MEDICAL BILLS
PUBLIC RECORDS
HARD INQUIRIES
WHAT HAPPENS
AFTER PURCHASE?
01
Purchase Your Plan
Secure your spot and get started.
02
Activate Smart Credit ($39/MONTH REQUIRED)
Mandatory to start your service
Must be activated immediately after purchase and submit the $39 payment
We cannot access or work your credit without it
NO SMART CREDIT = NO SERVICE (ACCOUNT ON HOLD)
03
Complete Onboarding + Submit Documents
Check your email immediately after purchase and complete onboarding.
Required Documents (Non-Negotiable)
Valid Government ID
Social Security Card or SSN
Proof of Address (dated within last 30 days)
Acceptable forms of proof of ADDRESS
Utility bill · Bank statement · Lease or mortgage statement
04
We Begin Your Disputes
Once Smart Credit is active and onboarding is complete:
Your 1st round is sent out after onboarding
You receive 6 total rounds (unless on the Unlimited plan)
A new round is sent every 30–45 days
We handle the process — you focus on results
Important
If any step is incomplete:
Smart Credit not active
Onboarding not completed
Documents not submitted
Your Account Will Not Be Started
Step 1: Purchase Your Plan
Secure your spot and get started
STEP 2: ACTIVATE SMART CREDIT
($39/MONTH REQUIRED)
MANDATORY TO START YOUR SERVICE
Must be activated immediately after purchase and submit $39 payment.
We cannot access or work your credit without it
NO SMART CREDIT = NO SERVICE (ACCOUNT ON HOLD)
(Pay $39 Smart Credit fee button)
STEP 3: COMPLETE ONBOARDING + SUBMIT DOCUMENTS
Check your email immediately after purchase and complete onboarding
REQUIRED DOCUMENTS (NON-NEGOTIABLE):
Valid Government ID
Social Security Card or SSN
Proof of Address (dated within last 30 days)
Acceptable forms of proof of income
Utility bill
OR bank statement
OR lease or mortgage statement
MISSING DOCUMENTS = YOU WILL NOT BE ONBOARDED
STEP 4: WE BEGIN YOUR DISPUTES
Once Smart Credit is active + onboarding is complete:
Your 1st round is sent out after onboarding
You receive 6 total rounds of disputes (included in your plan) unless you have purchased an UNLIMITED plan
A new round is sent every 30–45 days
We handle the process — you focus on the results
Choose Your Pricing Plan
Basic Plan
$180
$30 per round · 6 rounds
Best For
Perfect for light to moderate profiles.
Clients with smaller accounts, lower balances, or those who need a strong foundation.
BUY NOW, PAY LATER OPTIONS AVAILABLE!
Requirements (applies to all plans):
Active credit monitoring required (SmartCredit – $39/month)
Smart Credit must remain active during the process
All requested documents and information in the onboarding email must be submitted to be completely onboarded
Timely responses to onboarding questions required
Highly Recommended
Unlimited Plan (Most Powerful)
$300
Unlimited Rounds
Best For
Work your profile until it's where it needs to be.
Unlimited aggressive dispute rounds
Continuous work — no stopping point
Recommended for clients who have complex or heavier credit profiles.
BUY NOW, PAY LATER OPTIONS AVAILABLE!
Requirements (applies to all plans):
Active credit monitoring required (SmartCredit – $39/month)
Smart Credit must remain active during the process
All requested documents and information in the onboarding email must be submitted to be completely onboarded
Timely responses to onboarding questions required
What OTHERS Are Saying ABOUT THEIR EXPERIENCE...
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FREE 15-MINUTE CONSULTATION CALLS
Consultations are completely optional—many of our clients join without ever booking a call because our results and reviews speak for themselves.But if you’d like answers before getting started, we’ve made it easier than ever to connect with our team!
Questions about repairing your credit?
Curious about our mentorship opportunities?
Want to learn how we’ve already transformed thousands of lives?
This is your chance to get clarity, confidence, and direction—in just 15 minutes with our expert team. —No charge, no excuses.
About
Hi, I’m Rae Watson, the founder of Rae’s Recovery Co., and I know firsthand how life-changing great credit can be—because I’ve been where you are. Just a few years ago, I was drowning in debt with a credit score in the 400s. It felt impossible to climb out, but I refused to let bad credit define me.
By using the very same strategies I now offer my clients, I transformed my credit score from the 400s to an impressive 800 in less than a year. That transformation didn’t just fix my credit—it changed my life. I eliminated financial burdens, achieved financial freedom, and leveraged my credit to build cash flow and wealth through real estate investments.
Today, I’m not only passionate about helping individuals repair their credit, but I also mentor aspiring entrepreneurs, teaching them how to build 6- and 7-figure businesses in the credit repair industry. As a business coach, I’ve guided countless clients to financial independence and empowered them to create legacies of their own.
What sets me apart? I’m not just another coach or credit repair expert—I’m relatable because I’ve been in your shoes. I know the frustration of debt, the embarrassment of credit denials, and the anxiety of financial instability. And I also know the joy of breaking free, living debt-free, and thriving with financial opportunities that once felt out of reach.
If you’re ready to transform your credit, rebuild your financial future, and even create cash flow through strategic credit use, I’m here to guide you every step of the way. Let’s turn your struggles into success and your goals into reality—together.
Are you ready to take the first step?
About
Hi, I’m Rae Watson, the founder of Rae’s Recovery Co., and I know firsthand how life-changing great credit can be—because I’ve been where you are. Just a few years ago, I was drowning in debt with a credit score in the 400s. It felt impossible to climb out, but I refused to let bad credit define me.
By using the very same strategies I now offer my clients, I transformed my credit score from the 400s to an impressive 800 in less than a year. That transformation didn’t just fix my credit—it changed my life. I eliminated financial burdens, achieved financial freedom, and leveraged my credit to build cash flow and wealth through real estate investments.
Today, I’m not only passionate about helping individuals repair their credit, but I also mentor aspiring entrepreneurs, teaching them how to build 6- and 7-figure businesses in the credit repair industry. As a business coach, I’ve guided countless clients to financial independence and empowered them to create legacies of their own.
What sets me apart? I’m not just another coach or credit repair expert—I’m relatable because I’ve been in your shoes. I know the frustration of debt, the embarrassment of credit denials, and the anxiety of financial instability. And I also know the joy of breaking free, living debt-free, and thriving with financial opportunities that once felt out of reach.
If you’re ready to transform your credit, rebuild your financial future, and even create cash flow through strategic credit use, I’m here to guide you every step of the way. Let’s turn your struggles into success and your goals into reality—together.
Are you ready to take the first step?
Client Success Stories
STILL NOT SURE?
FREQUENTLY ASKED QUESTIONS
Do I need a Consultation?
Consultations are optional and not required. Upon purchasing you will not receive a consultation call unless you have booked one, you will only receive onboarding instructions and communication will be done by email and client portal only. If you feel like you need a consultation call, please book one. We get things done with out having to have a phone call, our communication is great! Here is the link for consultation: https://calendly.com/raesrecoveryco/20mins
How long does it take to see results?
We’d love to have you on board! Simply hit the button below, call our team, or DM us, and someone will be in contact with you within 24 hours.
What items can you remove?
We dispute closed/negative accounts only.
How Can I Improve My Score?
Start with us today! Whether it’s getting negative items removed or positive lines added, we can help!
Where Can I See My Credit Reports? Is There a Charge for This?
We use Smart Credit because it includes all 3 credit reports (Experian, Equifax, and Transunion). While we do not charge a monthly fee for credit repair, Smart Credit does charge monthly to provide you and us a refreshed copy of your credit report each month.
If you use our affiliate link, the monthly charge will be around $39. It is mandatory that you are up to date with your Smart Credit payment so we can check for updates and send new rounds out to the credit bureaus.
How Long Does it Take to Fix My Credit?
Please allow 2 business days after all information has been received for us to prep and mail your disputes out to the 3 consumer reporting agencies. Once they are delivered to them, processing time starts!
The basic package includes 3 rounds (typically takes around 3 months), and the premium plan includes 6 rounds (typically around 6 months). However, the majority of our clients start seeing results in the first 90 days.
Remember, we are credit repair specialists, not magicians. We fight on your behalf, using consumer laws each month to get accounts removed. Credit repair takes patience! With that being said, there are no refunds.
How Long Until I Start Seeing Results?
You can expect to see results in at least 30 days, with it taking up to 90 days in some cases.
How Do I Get Started?
We’d love to have you on board! Simply hit the button below, call our team, or DM us, and someone will be in contact with you within 24 hours.
