Strategy Before Repair.
Accuracy Before Action.
Credit Clubhouse helps you fix inaccuracies, optimize your credit, and achieve real-world approvals — for homeownership, business funding, and financial freedom.
Founded in 2017 by Sharia Smith, a certified Freddie Mac CreditSmart trainer with real estate education and experience collaborating with lenders, real estate professionals, and nonprofits nationwide.
Why Most Credit Repair Fails — and What Actually Works
Most people jump straight into disputes without understanding what's truly inaccurate, what's verifiable, or what lenders actually care about. That leads to wasted time, stalled progress, and repeated denials.
At Credit Clubhouse, we do it differently.
Our Accuracy-First Credit Method™ focuses on verifying reporting accuracy, reviewing documentation, and building a strategy before taking action — so every step has a purpose.
The Accuracy-First Credit Method™
Review
We examine your full credit profile to identify inaccuracies, risk factors, and missed opportunities.
Strategy
You receive a clear, personalized plan based on accuracy, compliance, and your real-life goal — home, funding, or financial stability.
Action
Only the right actions are taken — whether that's escalation, documentation support, or guided next steps.
Outcome
Optimized credit aligned with real-world approvals, not guesswork.
From Denied to Approved — Without Guesswork
A client was denied for a condo due to student loan payment history showing late payments. Using our Accuracy-First Credit Method™, we identified reporting inaccuracies, guided proper bureau escalation, and ensured the documentation reflected accurate payment history.
The result?
An updated credit profile and approval for their condo — without unnecessary disputes or delays.
What Our Clients Say
Your First Step Starts Here
Free Credit Strategy Webinar
Learn how the Accuracy-First Credit Method™ works, what lenders actually look for, and how to avoid common credit mistakes.
Accuracy-First Credit Assessment
Prefer personalized guidance right away? Start with a paid assessment that gives you clarity, strategy, and next steps.
Credit Education That Builds Confidence
We believe informed decisions lead to better outcomes. Our blog shares practical insights, credit strategies, and real-world education to help you understand the "why" behind the process — not just the steps.
Featured Article
Credit Roadmap to Financial Freedom
Learn how strategic credit decisions can open doors to approvals, funding, and long-term stability.
Built for Real Goals — Not Quick Fixes
Homebuyers preparing for approval
Business owners seeking funding readiness
Individuals recovering from credit setbacks
Clients who want strategy, not guesswork