The Strategic Approval System is Score Squad’s goal-based method for evaluating your credit profile in relation to a specific financial goal.

It identifies the areas that may be supporting your goal, the obstacles that may need attention, and the actions that should be prioritized.

Score Squad offers two levels of support:

DIY Option: You receive a personalized Strategic Approval Plan and updated recommendations while completing the required actions independently. This option requires active SmartCredit monitoring, currently approximately $29.99 per month and paid directly to SmartCredit.

Full Service- Strategic Approval Program: You receive personalized guidance, monthly reviews, accountability, strategy adjustments, implementation support, and dispute assistance when appropriate. This option has a one-time $139 setup and onboarding fee, followed by a $119 monthly service fee billed after the applicable services have been performed. SmartCredit monitoring is required and paid for separately.

*SmartCredit is an independent third-party provider and is separate from Score Squad’s Strategic Approval Program. SmartCredit’s pricing, services, and terms are determined by SmartCredit and may change at its discretion.

The DIY option may be appropriate if you are comfortable following your plan and managing your progress independently.

The full service Strategic Approval Program may be more appropriate if you want professional guidance, regular reviews, help establishing priorities, and accountability throughout the process.

You first complete a Strategic Approval Assessment so Score Squad can understand your financial goal and evaluate your available credit information.

Score Squad then develops your Strategic Approval Plan, which organizes your priorities and recommended next steps. From there, you begin implementing the plan with either DIY or full service support.

Your Strategic Approval Plan may be developed around preparing for a mortgage, vehicle financing, personal credit, or business credit involving a personal guarantee.

Score Squad takes a goal-based, whole-profile approach to credit improvement. We look beyond your credit score to understand how the different parts of your credit profile may affect the specific financial goal you want to achieve.

Using that information, we create a personalized Strategic Approval Plan that identifies your priorities, explains what actions to take or avoid, and establishes the proper order for completing them. This gives you a clear strategy designed around your individual circumstances instead of generic advice or a one-size-fits-all process.

Dispute assistance may be provided through the full service Strategic Approval Program when potentially inaccurate, incomplete, obsolete, or unverifiable information is identified and addressing it supports your overall strategy.

Disputes are not automatic or appropriate for every account. Depending on your circumstances, Score Squad may recommend initiating, delaying, limiting, or avoiding a dispute.

Yes. Your plan may be updated when your credit profile, financial circumstances, timeline, or goal changes.

DIY participants receive updated recommendations based on available monitoring information. Full service clients also receive professional progress reviews and strategy adjustments when appropriate.

You will be expected to provide accurate information, review your Strategic Approval Plan, complete the actions assigned to you, maintain active SmartCredit monitoring, and keep Score Squad informed of relevant changes.

Full service clients should also consult Score Squad before making significant credit-related decisions that could interfere with the strategy whenever reasonably possible.

There is no standard timeline because every credit profile, financial situation, and goal is different.

The program continues month to month until you cancel, accomplish the goal for which the program was established, or ongoing full services are no longer necessary.

Some clients may reach that point sooner, while others may require more time because their plans involve additional steps or changes that take time to develop. Your individual progress—not a predetermined enrollment period—determines how long the services remain beneficial.

Score Squad typically helps clients make significant progress toward—and successfully achieve—the financial goals that brought them to us. Instead of relying on general credit advice, you receive a personalized strategy that identifies your most important priorities and gives you clear direction at every stage.

While we cannot guarantee a specific credit score, deletion, financing approval, interest rate, or timeframe, we stand behind the quality of the service we provide. You can expect a thorough analysis, a personalized Strategic Approval Plan, clear priorities, consistent guidance, and strategic adjustments as your profile changes.

Our purpose is to help you make informed decisions in the right order and put you in the strongest possible position to achieve your financial goal.

Yes. Both the DIY option and the full-service Strategic Approval Program operate month to month, so there is no long-term enrollment commitment.

To discontinue the DIY option, you may cancel your credit-monitoring subscription directly through the monitoring provider, and your DIY plans and updates will stop.

The full-service Strategic Approval Program may be canceled at any time by providing written notice in accordance with your client agreement. Because full-service services are billed after they are performed, a final payment may still be due for services completed before your cancellation became effective.

Full-service clients may also request a temporary suspension for financial hardship. An approved suspension may last up to 90 days. No new monthly service fees will accrue while full-service services are suspended, but fees already earned for completed services remain due.

Because credit monitoring is billed separately by the monitoring provider, you must also suspend or cancel it directly through your monitoring account if you do not want to continue being charged during the suspension.

When you are ready to return, you may reactivate your credit monitoring through your account and resume your Score Squad services, subject to the reinstatement terms of your client agreement.