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3B Sweep Challenge Guarantee Agreement

SmartCredit Login

(Warning: If the login info is incorrect, the guarantee is automatically voided)

Refund Guarantee Terms

To qualify for a full refund under this guarantee, you must:

  • Complete a mandatory 1:1 call with Dime to preview your credit scores.

  • Attend at least 80% of all challenge classes.

  • Attempt at least 2 full sweeps on each credit bureau (TransUnion, Equifax, and Experian) within the 30-day challenge.

  • Attempt the TransUnion sweep strategy during the challenge.

  • If 2 out of 3 bureaus OR 60% of your derogatory accounts are not removed by Day 30 — and all steps above are completed — you will qualify for a full refund.

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