A Smarter, Faster Way to Get Out of Debt

Reduce your credit card balance by up to half with no upfront fees, expert support, and real results.

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297k+

Clients Served

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Introducing TM

SmartTrack™ empowers you to take control of your financial future with a simple, personalized solution to reduce your debt. Real results, not gimmicks. We’re not just another debt relief plan. We’re your partner.

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Savings

Lower your payments and total debt, saving you from years of future interest and helping you regain control.

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Rewards

Receive a refund of your fees via a deposit-matching benefit up to $500, accelerating your success while celebrating your progress.​

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Accelerator

Stay on track or move faster. Qualifying clients may access consolidation loan options after strong program performance.​

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Support

You're never on your own. Get help from real people, plus 24/7 visibility into your progress with the MyCentury client portal.

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Referral Incentive

Share SmartTrack™ with a friend and earn up to $250 in bonus rewards when they enroll and qualify.

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Promise

We commit to complete transparency, fairness, and results-based pricing—no hidden fees, ever.

Why SmartTrack™ ?

SmartTrack™ is a results-based program with no upfront fees, full control, and expert guidance designed to help you settle debt faster.

Making minimum payments, juggling debt, and feeling stuck? You’re not alone.

Most people in your shoes are :

  • Making only minimum payments each month
  • Managing multiple credit card or loan account
  • Feeling stuck with no clear end in sight
  • Paying thousands in interest over decades

SmartTrack™ changes that.

It’s a federally regulated debt relief program that helps you resolve your debt through :

  • A single, simplified program
  • Reduce your debt to less than what you owe
  • No upfront fees
  • Interest-free program
  • Judgement-free guidance

How SmartTrack™ Works

Four simple steps that turn overwhelming debt into lasting relief

Smart Track - Free Consultation

Free Consultation

We review your debt and create an affordable plan.

Smart Track - Free Consultation

Start Depositing

Automated deposits to your FDIC insured secured account.

Smart Track - Automated deposits to your FDIC insured secured account.

We Negotiate for You

Our experts aim to cut your balances significantly.

Smart Track - Our experts aim to cut your balances significantly.

You Approve, We Settle

Approve settlement offers and watch your debt shrink.

The Century SmartTrack™ Promise

We guarantee transparency, fairness, and compliance, because you deserve a debt relief program that puts your interests first.

1

Pay Only for Results

You’ll never pay a fee until we successfully settle your debt.

2

You Stay in Control

You approve every settlement, nothing moves forward without you.

3

No Hidden Costs

All fees are disclosed upfront. No surprises along the way.

4

Freedom to Cancel Anytime

Leave the program at any time with no penalties or pressure.

5

Your Money is Always Safe

Deposits stay in your name, held in an FDIC-insured account.

6

A Plan That Fits Your Needs

Your program is tailored to your unique budget and situation.

7

Expert Guidance & Support

Our team offers expert help and human support at every step.

8

Visibility in Your Progress

Track settlements, savings, and milestones in real time.

9

Independently Verified

We undergo regular audits to ensure compliance and fairness.

10

Ethical Commitment

ACDR-accredited for ethical, compliant, and consumer-focused debt relief adhering to all regulations.

Access your debt program through the MyCentury client portal

MyCentury client portal gives you real-time access to your settlements, and savings so you always know where you stand.

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Track each creditor’s status

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Celebrate milestones along the way

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Access messages and support anytime

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View savings from negotiated settlements

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Quickly approve settlement offers at your convenience

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Real People. Real Progress.
See How SmartTrack™ Made a Difference

Century Smart Track google review

4.7

Century Smart Track google review

921 reviews

Century Smart Track google review Robert, Brentwood, TX

After just under 2 months with this program, I am pleased to say I am seeing progression to my first debt settlement! CSS crossed my path and I'm glad they did. They're delivering what they said they would. Am I pleased? Let me think... YES. Thanks

Robert, Brentwood, TX

Facts and Numbers

42%

of enrolled debt reduced through Century negotiated settlements

Century Smart Track google review Robert, Brentwood, TX

After just under 2 months with this program, I am pleased to say I am seeing progression to my first debt settlement! CSS crossed my path and I'm glad they did. They're delivering what they said they would. Am I pleased? Let me think... YES. Thanks

Robert, Brentwood, TX

Facts and Numbers

$80,000

in balances settled and cleared in just 18 months

TrustScore 4.9 | 2,583 reviews

Let’s Get You on the SmartTrack™