Stephen SmithStephen Smith

Meet Stephen Smith

Stephen Smith

Stephen Devin Smith is an American content creator and financial educator, best known for his YouTube channel Success With Stephen Smith. Born in New Orleans, Louisiana, he built a following through educational videos on personal finance, credit strategy, business funding, and wealth-building.

He's recognized for a direct, practical teaching style that emphasizes real-world financial decision-making over textbook theory — covering credit optimization, business formation, funding strategies, and disciplined money management.

Beyond personal finance, Stephen teaches business strategies designed to help people build scalable income streams and long-term financial stability.

Subscribe on YouTube
170K+
Subscribers
610
Videos
4x
New videos / week

My journey

From denied to the front of the room.

I've been where you are. Low scores, constant denials, and zero guidance. I decided to learn, take action, and change my life — now I help thousands do the same.

From denied to the
170K+
Subscribers
610
Videos
4x
New videos / week
2023
Channel launched
1

2016

Struggling with credit

A 480 score and constant denials made everything feel impossible.

Struggling with credit
2

2019

Learned the game

I studied the FCRA, the dispute process, and how credit really works.

Learned the game
3

2023

Started the channel

Launched Success With Stephen Smith in November — sharing the exact steps for free.

4

2024

The channel took off

Four uploads a week and a fast-growing community of DIY credit-builders.

5

2026

170K+ subscribers

610 videos and counting — now helping thousands build credit, access funding, and change their future.

170K+ subscribers

Why Ryezing

What makes Ryezing different.

Built by someone who did it — not a faceless agency.

Real experience

Stephen lived it — from a 480 score to real personal and business credit.

Step-by-step training

No theory. The exact letters, exact order, exact dashboard to act on.

Proven results

Thousands of members with verified before-and-after score jumps.

Business funding focus

Beyond repair — unlock real business credit and funding.

Featured on & trusted by

YouTubeExperianEquifaxTransUnionTrustpilot
Subscriber success

Real People. Real jumps.

Verified before-and-afters from members who did it themselves.

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
Maya R.
Newark, NJ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Crossed 750 and got approved for my first business credit card the same month."

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

"Cancelled my $99/mo repair service the day I started. Wish I'd found Stephen sooner."

Photo
Devin K.
Atlanta, GA
Excellent
Before
612
+170 pts
After
782
800 700 600 500 400
Day 0 Today

"Followed the dispute order step by step — 170 points in under six months."

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
Maya R.
Newark, NJ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Crossed 750 and got approved for my first business credit card the same month."

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

"Cancelled my $99/mo repair service the day I started. Wish I'd found Stephen sooner."

Photo
Devin K.
Atlanta, GA
Excellent
Before
612
+170 pts
After
782
800 700 600 500 400
Day 0 Today

"Followed the dispute order step by step — 170 points in under six months."

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
Devin K.
Atlanta, GA
Excellent
Before
612
+170 pts
After
782
800 700 600 500 400
Day 0 Today

"Followed the dispute order step by step — 170 points in under six months."

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

"Cancelled my $99/mo repair service the day I started. Wish I'd found Stephen sooner."

Photo
Maya R.
Newark, NJ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Crossed 750 and got approved for my first business credit card the same month."

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
Devin K.
Atlanta, GA
Excellent
Before
612
+170 pts
After
782
800 700 600 500 400
Day 0 Today

"Followed the dispute order step by step — 170 points in under six months."

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

"Cancelled my $99/mo repair service the day I started. Wish I'd found Stephen sooner."

Photo
Maya R.
Newark, NJ
Excellent
Before
588
+163 pts
After
751
800 700 600 500 400
Day 0 Today

"Crossed 750 and got approved for my first business credit card the same month."

The curriculum

What you'll learn.

Everything from your first dispute to five-figure business funding.

Credit repair

Dispute errors and remove negative items the right way.

Business credit

Build credit in your business name, separate from personal.

Funding

Unlock real lines of credit and capital to grow.

Dispute letters

Proven templates for disputes, validation and goodwill.

Credit monitoring

Track every point and know your next move.

Personal finance

Budgeting and habits that keep your score climbing.

Logo
Success With Stephen Smith
@Successwithstephensmith · 170K subscribers · 610 videos
Subscribe

Watch & learn — free

Straight from the channel.

Welcome to Success With Stephen Smith. I'm Stephen Devin Smith and on this channel we discuss all things financial literacy — new videos four times a week.

Featured video

Delete ANYTHING From Credit Report FAST (Wish I Knew This!)

Most-watched on the channel

Why follow Stephen

Why people follow Stephen.

Weekly videos

New free training on the channel every week.

Premium guides

Deep-dive playbooks for repair, business credit & funding.

Community support

A private community of members a few steps ahead of you.

Real results

Members posting verified score and funding wins.

Community

Join 10,000+ members improving their credit every day.

You don't have to do it alone. Every member gets the private community — wins, templates, and answers from people a few steps ahead of you.

Videos upload 4 times a week with Stephen
Learn to build business credit and access funding
Real members who hit 750+ credit scores
Wins, templates, and answers shared daily
10,000+
members improving their credit every day
Active right now

Numbers that matter

Proof, by the numbers.

170K+
Subscribers
610
Videos
4.9/5
Rating
$25M+
Funding accessed
180+
Avg score gain
Success With Stephen Smith

Ready to take control
of yourcredit?

Join thousands of members already improving their credit scores and funding opportunities.

Start for $1

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