Success With Stephen Smith
New Success With Stephen Smith

Repair your
credit yourself.

Use Ryezing, rebuild your score, and unlocking real funding - without paying an agency $100+ every month.

7-day trial for just $1 — then $39.99/mo. Cancel anytime.

10,000+
Subscribers rebuilding credit
7,000+
Subscribers reporting tradelines
4.9
Average member rating
1,200+
Documented success stories

Trusted by members featured across

YouTubeDun & BradstreetExperianTransUnionEquifaxNerdWallet
Dispute errors Rebuild your score Unlock real funding Own your credit Do it yourself

The problem

The credit system was built to keep you confused and paying.

$1,400

The average a credit repair agency charges per year - for letters you could send yourself.

79%

Of credit reports contain at least one error that's quietly dragging your score down.

0

Control you have when an agency holds your case, your timeline, and your money hostage.

You don't need to hire anyone. You need the right tool and a clear plan.

What's inside

Everything you need to fix it - in one place.

Six core tools that replace a $1,400 agency and a folder full of guesswork.

Dispute Letter Generator

Battle-tested letter templates auto-filled with your details for all three bureaus.

Score Tracking

Monitor all three scores and see exactly which dispute moved the needle.

Step-by-Step Roadmap

A personalized plan that tells you the single next action - never guess again.

Validation & Goodwill

Advanced letter strategies for stubborn collections and late payments.

Auto Mail Feature

Automail lets you send dispute letters directly from the app, so you don’t have to print, mail, or track everything manually.

Funding Vault

Once your score is ready, unlock Stephen's playbook for personal & business funding.

Inside the dashboard

Your whole credit journey, on one screen.

Drop the full dashboard screenshot
Action Plans

Daily next-steps that keep your case moving.

Letter Library

Every template, version-tracked and ready.

Score Milestones

Celebrate every threshold as you climb.

Guidance

Score center and goal tracking to keep you on track.

Premium Guides

Guides to repair, fund & build.

Step-by-step playbooks to repair your credit, unlock business funding, and start your business the right way.

Credit Repair + 4 Business Guides  (E-Book Bundle Package)

Credit Repair + 4 Business Guides (E-Book Bundle Package)

$89.99
One-time
Get It
Ultimate Credit Repair Guide 2026

Ultimate Credit Repair Guide 2026

$49.99
One-time
Get It
Ryezing Credit Repair Guide 2026

Ryezing Credit Repair Guide 2026

Free
One-time
Get It
The Business Credit Success Guide

The Business Credit Success Guide

Free
One-time
Get It
Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Free
One-time
Get It
DIY Business Guide (Easiest Way To Form Your Business)

DIY Business Guide (Easiest Way To Form Your Business)

$49.99
One-time
Get It
The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

$49.99
One-time
Get It
Debt Validation Letter & Cease And Desist Letter

Debt Validation Letter & Cease And Desist Letter

Free
One-time
Get It
Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Free
One-time
Get It
Success With Stephen Smith Bank Bonus Spreadsheet

Success With Stephen Smith Bank Bonus Spreadsheet

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Free
One-time
Get It
Credit Repair + 4 Business Guides  (E-Book Bundle Package)

Credit Repair + 4 Business Guides (E-Book Bundle Package)

$89.99
One-time
Get It
Ultimate Credit Repair Guide 2026

Ultimate Credit Repair Guide 2026

$49.99
One-time
Get It
Ryezing Credit Repair Guide 2026

Ryezing Credit Repair Guide 2026

Free
One-time
Get It
The Business Credit Success Guide

The Business Credit Success Guide

Free
One-time
Get It
Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Free
One-time
Get It
DIY Business Guide (Easiest Way To Form Your Business)

DIY Business Guide (Easiest Way To Form Your Business)

$49.99
One-time
Get It
The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

$49.99
One-time
Get It
Debt Validation Letter & Cease And Desist Letter

Debt Validation Letter & Cease And Desist Letter

Free
One-time
Get It
Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Free
One-time
Get It
Success With Stephen Smith Bank Bonus Spreadsheet

Success With Stephen Smith Bank Bonus Spreadsheet

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Free
One-time
Get It

Free Resources

Free downloads to get you started.

Grab these free tools used by thousands - then start your $1 Ryezing trial to put them into action.

DIY Business Guide (Easiest Way To Form Your Business)

DIY Business Guide (Easiest Way To Form Your Business)

$49.99
One-time
Get It
Ultimate Credit Repair Guide 2026

Ultimate Credit Repair Guide 2026

$49.99
One-time
Get It
Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Free
One-time
Get It
The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

$49.99
One-time
Get It
The Business Credit Success Guide

The Business Credit Success Guide

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Free
One-time
Get It
Success With Stephen Smith Bank Bonus Spreadsheet

Success With Stephen Smith Bank Bonus Spreadsheet

Free
One-time
Get It
Debt Validation Letter & Cease And Desist Letter

Debt Validation Letter & Cease And Desist Letter

Free
One-time
Get It
Credit Repair + 4 Business Guides  (E-Book Bundle Package)

Credit Repair + 4 Business Guides (E-Book Bundle Package)

$89.99
One-time
Get It
Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Free
One-time
Get It
Ryezing Credit Repair Guide 2026

Ryezing Credit Repair Guide 2026

Free
One-time
Get It
DIY Business Guide (Easiest Way To Form Your Business)

DIY Business Guide (Easiest Way To Form Your Business)

$49.99
One-time
Get It
Ultimate Credit Repair Guide 2026

Ultimate Credit Repair Guide 2026

$49.99
One-time
Get It
Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Top SBA Loan Preferred Lenders 2026 E-Book (comprehensive list of over 100+ SBA Preferred Lenders by state)

Free
One-time
Get It
The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

The Ultimate Business Credit Guide (100K Business Funding In 90 Days)

$49.99
One-time
Get It
The Business Credit Success Guide

The Business Credit Success Guide

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Success With Stephen Smith Personal Monthly Budget Calculator (Save $10K FAST)

Free
One-time
Get It
Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Success With Stephen Smith Personal Monthly Budget Calculator (How I Saved Over $15,000)

Free
One-time
Get It
Success With Stephen Smith Bank Bonus Spreadsheet

Success With Stephen Smith Bank Bonus Spreadsheet

Free
One-time
Get It
Debt Validation Letter & Cease And Desist Letter

Debt Validation Letter & Cease And Desist Letter

Free
One-time
Get It
Credit Repair + 4 Business Guides  (E-Book Bundle Package)

Credit Repair + 4 Business Guides (E-Book Bundle Package)

$89.99
One-time
Get It
Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Credit Card Hard Pull Master Guide E-Book (OVER 100+ Banks And Credit Unions)

Free
One-time
Get It
Ryezing Credit Repair Guide 2026

Ryezing Credit Repair Guide 2026

Free
One-time
Get It
Real results

From declined to approved.

Real subscribers. Real score jumps. Every story below is a verified before-and-after.

10,000+
Happy members
Trusted by customers across the U.S.
4.9/5
Average rating
10,000+
Happy members
Growing daily
+180 pts
Avg score gain
92%
Approval rate
Verified results
Photo
Marcus T.
Atlanta, GA
Good
Before
541
+183 pts
After
724
800 700 600 500 400
Day 0 Today

"Removed 6 collections in 90 days and finally got approved for my first mortgage."

Photo
Daniela R.
Phoenix, AZ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Used the Funding Vault to open $42k in business credit after my score crossed 740."

Photo
Andre W.
Houston, TX
Good
Before
503
+196 pts
After
699
800 700 600 500 400
Day 0 Today

"I cancelled my $99/mo repair service the day I started Ryezing. Wish I'd found it sooner."

Photo
Tasha M.
Member since 2024
Good
Before
522
+203 pts
After
725
800 700 600 500 400
Day 0 Today

Watched my score climb every single week — finally feel in control.

Photo
Jordan P.
Dallas, TX
Excellent
Before
610
+158 pts
After
768
800 700 600 500 400
Day 0 Today

It felt like having Stephen sit next to me telling me exactly what to send.

Photo
Marcus T.
Atlanta, GA
Good
Before
541
+183 pts
After
724
800 700 600 500 400
Day 0 Today

"Removed 6 collections in 90 days and finally got approved for my first mortgage."

Photo
Daniela R.
Phoenix, AZ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Used the Funding Vault to open $42k in business credit after my score crossed 740."

Photo
Andre W.
Houston, TX
Good
Before
503
+196 pts
After
699
800 700 600 500 400
Day 0 Today

"I cancelled my $99/mo repair service the day I started Ryezing. Wish I'd found it sooner."

Photo
Tasha M.
Member since 2024
Good
Before
522
+203 pts
After
725
800 700 600 500 400
Day 0 Today

Watched my score climb every single week — finally feel in control.

Photo
Jordan P.
Dallas, TX
Excellent
Before
610
+158 pts
After
768
800 700 600 500 400
Day 0 Today

It felt like having Stephen sit next to me telling me exactly what to send.

Photo
Jordan P.
Dallas, TX
Excellent
Before
610
+158 pts
After
768
800 700 600 500 400
Day 0 Today

It felt like having Stephen sit next to me telling me exactly what to send.

Photo
Tasha M.
Member since 2024
Good
Before
522
+203 pts
After
725
800 700 600 500 400
Day 0 Today

Watched my score climb every single week — finally feel in control.

Photo
Andre W.
Houston, TX
Good
Before
503
+196 pts
After
699
800 700 600 500 400
Day 0 Today

"I cancelled my $99/mo repair service the day I started Ryezing. Wish I'd found it sooner."

Photo
Daniela R.
Phoenix, AZ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Used the Funding Vault to open $42k in business credit after my score crossed 740."

Photo
Marcus T.
Atlanta, GA
Good
Before
541
+183 pts
After
724
800 700 600 500 400
Day 0 Today

"Removed 6 collections in 90 days and finally got approved for my first mortgage."

Photo
Jordan P.
Dallas, TX
Excellent
Before
610
+158 pts
After
768
800 700 600 500 400
Day 0 Today

It felt like having Stephen sit next to me telling me exactly what to send.

Photo
Tasha M.
Member since 2024
Good
Before
522
+203 pts
After
725
800 700 600 500 400
Day 0 Today

Watched my score climb every single week — finally feel in control.

Photo
Andre W.
Houston, TX
Good
Before
503
+196 pts
After
699
800 700 600 500 400
Day 0 Today

"I cancelled my $99/mo repair service the day I started Ryezing. Wish I'd found it sooner."

Photo
Daniela R.
Phoenix, AZ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Used the Funding Vault to open $42k in business credit after my score crossed 740."

Photo
Marcus T.
Atlanta, GA
Good
Before
541
+183 pts
After
724
800 700 600 500 400
Day 0 Today

"Removed 6 collections in 90 days and finally got approved for my first mortgage."

Stephen SmithStephen Smith

Stephen Smith

Stephen went from a 480 score and stacked denials to building real personal and business credit - then turned what he learned into the most-watched DIY credit channel on YouTube.

Ryezing is everything he wished existed when he started: the exact letters, the exact order, and the exact dashboard to track it all.

165K+
YouTube subscribers
5 yrs
Teaching finance
10,000+
Subscribers coached
Logo
Success With Stephen Smith
@Successwithstephensmith · Financial literacy · new videos weekly
Subscribe

Watch & learn — free

Straight from the channel.

Two paths

One obvious choice.

Old-way image

The old way

Pay an agency

$100+ every month, no control, your case stuck on their timeline, and locked into contracts you can't easily leave.

Hire a credit-repair company
Ryezing image

The smart way

$1for 7 days, then $39.99/mo

The full DIY toolkit - every dispute letter, 3-bureau tracking, a step-by-step plan, and the Funding Vault. Cancel anytime.

Start your $1 trial
VS

Numbers that matter

Proof, by the numbers.

165K+
Subscribers
600
Videos
4.9/5
Rating
$25M+
Funding accessed
180+
Avg score gain

Pricing

Try everything for $1.

One simple plan. Full access. Cancel anytime - most members never look back.

Your turn is next.
+187 pts
Your turn is next.
Marcus reached 724 in 90 days with Ryezing.
Ryezing Full Access
Most popular
$1 for your first 7 days

Then $39.99/mo. No contract, cancel in one click.

Unlimited dispute & Auomail feature
3-bureau score tracking
Rental Payment Reporting including 24 month historical reporting
Utility Payment Reporting including 24 month historical reporting
Start your $1 trial
7-day money-back guarantee on your first month

FAQ

Questions, answered.

You get full access to Ryezing for 7 days for just $1. After the trial it's $39.99/mo, and you can cancel anytime before the trial ends if it's not for you.

Not at all. Ryezing walks you through every step in plain English - from spotting errors on your reports to sending your first disputes. If you can follow a recipe, you can use it.

Yes. There are no contracts and no cancellation fees. You can cancel your membership at any time from inside your account in a couple of clicks.

No — Ryezing is a DIY software tool, not a credit repair agency. It helps you exercise rights you already have under the law (like the FCRA) to dispute inaccurate items yourself.

Yes. Your data is encrypted in transit and at rest, and we never sell your information. We use bank-level security practices to keep your reports and personal details protected.

Everyone's situation is different, but many members see their first updates within 90 days of sending disputes. Ryezing keeps your plan moving so you always know the next step to take.

Your future self
hasbetter credit.

Start today for $1. In 7 days you'll have sent your first disputes and watched your plan take shape.

Start your $1 trial

$1 for 7 days · then $39.99/mo · cancel anytime