After you complete this form and submit the $99 enrollment fee, you’ll be taken to the next page to sign up for SmartCredit monitoring. This is the only requirement to receive the full benefits of the coaching program, as it allows me to review your credit monthly and update your action plan.Smart Credit charges a fee of $44.99 per month and that fee is NOT paid to GFS. Once your SmartCredit enrollment is completed successfully, you’ll receive your official onboarding email with everything you need to get started, including your welcome details and your first personalized action plan. The entire process from payment to receiving your action plan takes approximately 2–3 business days.