Credit Repair & Funding — Milwaukee, WI
Rebuild Your Credit.
Fund Your Future.
Smart Capital Partners helps you challenge inaccurate items on your credit report and positions you for personal and business funding — with straight answers and a plan built around your goals.
One-on-one guidance
Serving clients nationwide
No upfront pressure
Kelton Buford
Founder, Smart Capital Partners
About Us
A Milwaukee team that treats your credit like it's our own
Smart Capital Partners was founded by Kelton Buford right here in Milwaukee. After years of helping people navigate real estate, funding, and the credit system firsthand, Kelton built this company around a simple idea: most people don't need hype — they need someone who will actually look at their file, explain what's going on, and do the work with them.
That's how we operate. Every client gets a real review of their credit reports, a clear plan, and honest expectations from day one. If we don't think we're the right fit for your situation, we'll tell you that too.
Compliant by design
We only challenge items that are inaccurate, outdated, or unverifiable — never games, never gimmicks.
Built for what's next
Repair is step one. We help you build toward funding, homeownership, and business growth.
What We Do
Two services. One goal: your financial
momentum.
Credit Repair
A structured, bureau-by-bureau cleanup of your credit reports. We review every tradeline, challenge items that shouldn't be there, and keep you updated as responses come in. Along the way, we coach you on utilization, payment history, and the habits that keep your score moving the right direction.
Full three-bureau report analysis
Dispute preparation and tracking
Ongoing credit education
Personal & Business Funding
Whether you're consolidating, investing, or scaling a business, we help you get your profile funding-ready and connect you with options that fit. We handle both personal and business funding, so your credit work and your capital strategy stay aligned.
Funding readiness review
Personal and business options
Honest guidance on fit and timing
What We Challenge
Items we review and dispute on your reports
If an item on your report is inaccurate, outdated, or can't be verified, it may be eligible for
removal. These are the most common categories we work with.
Late Payments
Missed-payment records that may be reporting inaccurately or past their allowable window.
Collections
Third-party collection accounts that can't be properly verified or validated.
Charge-Offs
Charged-off accounts with errors in balance, dates, or ownership records.
Repossessions
Repo entries reported with incorrect details or without proper documentation.
Bankruptcies
Bankruptcy records with filing, discharge, or reporting inaccuracies.
Inquiries
Hard inquiries you didn't authorize or that were pulled without a permissible purpose.
Medical Bills
Medical collections that may be misreported or mishandled under current reporting rules.
Evictions
Eviction-related records showing up incorrectly on tenant or consumer reports.
Student Loans
Student loan tradelines with servicing errors, wrong statuses, or duplicate reporting.
Pricing
Simple plans, one-time fees
Pick the level of support that fits your file. Every plan starts with a free consultation so we
can confirm it's the right one for you.
Starter Review
Silver Plan
$894
$697
single program fee
credit monitoring may be required
Personal information review
Late payments challenged
Collections challenged
Charge-offs challenged
Hard inquiries challenged
3-bureau dispute preparation
FCRA and FDCPA-based strategy
Email and SMS status updates
Client portal access
Best for: Clients who need a focused start with common negative items.
Expanded Support
Gold Plan
Popular Upgrade
$1,097
$897
one-time program fee
credit monitoring may be required
Everything in Silver included
Bankruptcy records challenged
Repossessions challenged
Student loans challenged
Medical bills challenged
Public records review
Metro 2 dispute strategy
Goodwill letter assistance
Utilization guidance
Monthly progress reports
Best for: Clients with deeper credit issues or public record concerns.
Priority Guidance
Platinum Plan
recommended
$1,997
$1,497
guided repair program
credit monitoring may be required
Everything in Gold included
Priority dispute preparation
Dedicated credit specialist
Identity theft support guidance
Rapid rescore coordination support
Preferred funding partner access
Advisor access during business hours
Real-time score tracking
Funding introductions when available
Best for: Clients preparing for funding, mortgage goals, or a more guided process.
All plans are one-time program fees. We never guarantee deletions or score increases — results vary by file.
Know your report
Education first, always
Credit Education
Understand your credit, not just your score
A number alone doesn't tell the story. We walk you through what's actually driving your profile so you can make smarter moves long after our work together ends.
The five factors
Payment history, utilization, age of credit, mix, and inquiries — what each one means and how to move it.
Your rights under the FCRA
You have the right to accurate reporting and to challenge anything that isn't. We make sure that right gets used properly.
From repair to leverage
Good credit is a tool. We show you how lenders read your file so you're ready when it's time to apply for funding.
The Process
How it works, step by step
01
Free Consultation
We talk through your situation, your goals, and whether our services are actually a good fit. No pressure.
02
Credit Report Review
With your credit monitoring access, we go line by line through all three bureaus and flag items worth challenging.
03
Disputes & Challenges
We prepare and send disputes for inaccurate, outdated, or unverifiable items — and track every response.
04
Build & Fund
While the cleanup runs, we coach you on building stronger credit and, when you're ready, position you for funding.
FAQ
Straight answers to common questions
How does credit repair actually work?
We review your reports from all three bureaus, identify items that are inaccurate, outdated, or unverifiable, and formally dispute them with the bureaus and furnishers on your behalf. You stay informed at every step.
How long does the process take?
It depends on your file. Some clients see movement within the first couple of dispute rounds; more complex files take longer. We'll give you an honest read on your situation during your consultation.
Can you guarantee my score will go up?
No — and you should be cautious of anyone who does. No company can legally guarantee score increases or deletions. What we do guarantee is a thorough, organized process and clear communication.
What kinds of items can be challenged?
Any item that is inaccurate, incomplete, outdated, or can't be verified — including late payments, collections, charge-offs, repossessions, bankruptcies, inquiries, medical bills, evictions, and student loan errors.
Do you offer funding too?
Yes. We help clients prepare for and pursue both personal and business funding. Approvals always depend on lender criteria — our job is to put your profile in the strongest position possible.
Do I have to live in Milwaukee?
No. We're based in Milwaukee, but we work with clients across the country by phone, email, and video consultations.
get in touch
Ready to see where you stand?
Book a free consultation and we'll review your situation together. Prefer to talk first? Call or email us directly — a real person answers.
Your free consultation
30 minutes. No obligation. You'll leave knowing exactly what's on your reports and what your options are.
Credit repair and funding guidance for individuals and business owners — built on straight answers, education, and one-on-one support. Based in Milwaukee, serving clients nationwide.
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Contact
6661 W Mill Rd Milwaukee, WI 53218
Smart Capital Partners provides credit education and dispute assistance. We do not guarantee credit score increases, deletions of accurate information, or funding approvals. Results vary based on each individual's credit profile and lender criteria.
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