Smart Credit Secrets
Smart Credit Secrets
  • Welcome to
    Smart Credit Secrets


    You will get

    • FREE credit consultation 
    • FREE in-depth credit analysis 
    • FREE credit recommendations

    What you will get!


    We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.  


    ​Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​                                  


    We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​  

    Here's How it works

    What to do


    We'll give you a free consultation and ​ credit analysis


    While we use the law to challenge ​ negative items on your reportWhile we use the law to challenge ​ negative items on your report

    See Results

     Log in to see real time progress every ​step of  the way

    We guarantee results or your money back!

    Get your free consultation and credit analysis

    Start with PrivacyGuard for $1 and get all three reports

    Try PrivacyGuard now and get your
    first 14 days for just $1.00

    And start raising your scores



    Delinquencies (30- 180 days):

     A delinquency may remain on file for seven years; from the date of the initial missed payment.

    City, County, State, and Federal Tax Liens

    Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one's score for 10 years from the date of payment.Inquiries: Most inquiries listed on one's credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.

    Collection Accounts:

     May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a "paid collection" on the credit report.

    Charge-off Accounts

     When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.

    Closed Accounts: 

    Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.

    Lost Credit Card: 

    If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.


     Chapters 7, 11, and 12 will remain on one's credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy


    Remain seven years from the date filed.

    This Process Takes Time

    Remember, it has taken you years to get your credit into its current state, so cleaning it up will not happen overnight. We cannot dispute everything all at once, or the credit bureaus will reject the disputes by marking them as "frivolous," so we must do this carefully and strategically. It takes 30 to 45 days for bureaus and creditors to respond to each letter, and even more time for changes to reflect on your reports. A difficult item may take multiple letters to multiple parties, so patience is key. Thanks to technology (and by logging into our client portal), you'll receive real-time updates of the work we're doing every step of the way.

    By following our program and our advice, your credit will improve -- and along the way, we'll teach you how to maintain your excellent credit long after our work is done.



    Here at Intrepid Investors Corporation our credit repair company yields results in the first 30-60 days. The Staff here are dedicated to your personal credit health, we educate our client to be just as knowledgeable as we are.There are many pitfalls that can slow down our momentum. We listen and take your lead as our gage, we are here to answer your questions.

    We make this process as Simple as can be.

    Millions of consumers have been rejected from obtaining a new car loan, credit cards, mortgages, rental apartments, and new jobs all based on their credit ie... FICO scores and reports. They have also been harassed by collections agencies, sued in small claims courts, lost their homes to foreclosure and had their vehicles repossed by the banks. If this sounds familiar to you, all of this happen to me over 20 years ago, so you can be rest assure because Intrepid Investors Corporation was cerated s over 17 years ago to help people like you invest in themselves, and stop private companies like  Experian, TransUnuion, Equifax who report items on your credit files even if they are not true. we will STOP collection agencies in their tracks and rebuild your name and your credit forever, even if you have had your identity stolen. 

    You have options and the law on you side.


    Contact Us

    Smart Credit Secrets

    (720) 600-0477


    Monday - Friday: 9am - 5pm

    Saturday: By appointment

    Sunday: Closed

    Free Consultation Form

    Privacy Policy

    ​We have created this privacy policy (hereinafter the "Privacy Policy") in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our "Website"); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please e-mail us.

    ​Information We Collect

    ​The information that we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number; information about your interests in and use of various products, programs, and services; and education level and interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer's prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer's prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users' movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.


    The Website uses a "cookie" to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer's hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

    ​How We Use Your Information

    ​Any personal information that you supply to us remains your personal property. However, by submitting that information our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.


    Sharing of Information

    Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address at the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.