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Take Control of Your Credit.
A guided, self-managed approach to credit repair.
Credit Navigator is a guided, self-managed credit repair program from FRS Credit, providing a structured process, proven dispute framework, and expert guidance to help you identify and address inaccurate , incomplete, or unverifiable negative items on your credit report. You stay in control. We provide the roadmap.
Watch this Credit Navigator Introduction Video
What Is Credit Navigator?
Credit Navigator is FRS Credit’s guided, self-managed (DIY) credit repair program.
It provides a structured process based on the same principles used by our credit experts, along with step-by-step guidance to help you identify and address inaccurate, incomplete, or unverifiable negative items on your credit reports.
It also includes AI-assisted analysis to help you evaluate your credit report and prioritize your next steps.
You manage the process. We provide the roadmap, guided dispute workflows, and the knowledge to take action with clarity and confidence. This is a hands-on approach to credit repair, aligned with FRS Credit’s experience and standards.
For those who prefer a fully managed experience, our full-service credit repair program is also available. See full-service options.
- ✓Structured dispute frameworks and guided templates
- ✓Step-by-step guidance through each stage of the process
- ✓Coverage across all three credit bureaus (Experian, Equifax, TransUnion)
- ✓Track your disputes, responses, and progress in one place
- ✓Guidance on what to dispute and when to take action
- ✓Educational resources to better understand your credit report and scores
- ✓Option to upgrade to full-service FRS Credit repair at any time
How It Works
Credit Navigator walks you through a structured dispute process based on the same principles used by our credit experts, broken down into clear, manageable steps.
Sign Up and Get Access
Create your account and get immediate access to your Credit Navigator dashboard and resources.
Review Your Credit Reports
Access your reports from all three bureaus and identify the items you want to address, with AI-assisted guidance to help prioritize your next steps.
Send Your Disputes
Use guided dispute templates and structured workflows to prepare and send your disputes directly to the credit bureaus.
Track and Follow Up
Monitor bureau responses, track progress, and follow up on unresolved items with ongoing guidance.
Monitor Your Progress
As updates are made to your credit reports, continue the process and track changes over time.
Everything You Need to Repair Your Credit
Guided Dispute Templates and Frameworks
Structured templates and dispute workflows designed to help you address inaccurate, incomplete, or unverifiable information under federal consumer protection laws.
Step-by-Step Guidance
Clear direction at each stage of the process, so you understand what to do and when to take action.
All Three Bureau Coverage
Address items reported by Experian, Equifax, and TransUnion through a single, organized process.
Dispute Tracking and Organization
Track what you’ve sent, monitor responses, and manage follow-ups in one place.
Credit Education Resources
Understand what’s on your credit report, how it impacts your profile, and your rights under applicable laws.
Upgrade to Full Service Anytime
If you prefer a fully managed approach, you can transition to FRS Credit’s full-service program at any time.
Credit Navigator vs. Full-Service FRS Credit Repair
Choose the approach that fits your level of involvement.
Not sure which option is right for you? Here's how Credit Navigator compares to having FRS Credit's experts manage your credit repair for you.
| Credit Navigator $39.95/month | Full-Service FRS Credit Repair From $120.95/month (includes required monitoring) | |
|---|---|---|
| Who manages the process | You manage the process | FRS Credit manages the process |
| Guided dispute templates & workflows | ✓ | ✓ |
| Step-by-step guidance | ✓ | ✓ |
| All three credit bureaus | ✓ | ✓ |
| Dispute tracking & progress monitoring | ✓ | ✓ |
| Direct access to FRS Credit experts | — | ✓ |
| Fully managed dispute handling | — | ✓ |
| SmartCredit 3-bureau monitoring | Included | Required (included in total price) |
| 100% money-back guarantee | — | ✓ |
| Total monthly cost | $39.95/mo | From $120.95/mo |
Want FRS Credit to handle everything for you?
Is Credit Navigator Right for You?
Credit Navigator is a strong fit if any of the following describes your situation.
You want a lower-cost, self-managed (DIY) option
You want to improve your credit while keeping costs manageable. At $39.95 per month, Credit Navigator provides a structured process and guidance aligned with FRS Credit’s approach, without full-service management.
You want to stay in control
You prefer a hands-on approach and want visibility into each step of the process, rather than delegating everything.
You have time to manage the process
You can dedicate time each month to reviewing responses, sending follow-ups, and tracking progress.
You want to understand how it works
You are interested in learning how credit reporting and disputes work so you can maintain your credit profile over time.
Ready to Take the Next Step?
Get started with Credit Navigator for $39.95 per month. No long-term contracts. Cancel anytime.