Get Your Score

Smart Credit

Are you a Score Tracker, Builder or Master?

Sign up for Smart Credit today and gain access to a suite of Credit improvement tools, from monitoring of your purchases to what steps you can take to improve your credit.

About ScoreTracker

About ScoreTracker

See all your different types of credit scores and see how they’re progressing.

Different Scores

Get an in-depth look at the different types of scores you have and see where you stand.

History

Look at how your scores have changes over time to get a better understanding.

About ScoreBuilder

About ScoreBuilder

A unique 120-day plan to help build yourself a better credit score.

Your Personal Plan

ScoreBuilder™ creates a personalized 120-day plan to help you understand what is hurting and helping your credit score, plus what actions you can take.

Take Action

View your negative accounts weighing down your score and take action to take care of them.

About ScoreMaster

About ScoreMaster

Know your future score before you apply, pay or spend.

Timing

Know the optimum time to apply for a credit card, auto loan, mortgage or other credit.

Spending

See how your spending can lower your credit score. Balance the spending between your accounts and know the optimum time to repay.

Payments

See how your payments can increase your credit score. Know how much to pay and by when.

Money Manager

Money Manager

Manage all your online accounts in one place. We track and update your account statements, payments due and transactions every day. Use action buttons to ask questions and resolve problems.

We Find Your Accounts For You

We automatically find your online accounts making it easy to add to Money Manger. No guessing or searching.

Daily Updates

Your transactions, instant statements, and trends are updated every 24 hours.

Transaction Monitoring Alerts have Action Buttons

Verify transactions are yours and not theft. Stop theft with the action button.

Other Benefits

Receive Alerts when payments are due. Easily plan your budget and spending. Your transactions are integrated with your Smart Credit Report® for the complete picture.

Easily Take Action

Ask your bank or credit card company anything with a click of a button.

Smart Credit Report

Smart Credit Report

A simple and innovative way to view your credit report.

Use Action Buttons

With a simple button you can remove identity theft, negotiate debts, resolve reporting problems and ask questions directly with your creditors. No forms to fill out, letters or phone calls.

Daily Transaction

For the first time your daily transactions are integrated in to your credit report. See how your creditors are reporting to ensure accuracy.

Credit Monitoring Alerts

Get important Alerts with changes to your credit report by phone or email.

Credit Score

Your credit score ranges from 300 to 850 and is an overall view of your credit history, which is important to lenders.

Auto Score

Auto lenders do not use your Credit Score. They use an Auto Score to better determine your lending risk.

Insurance Score

This score is weighted to risk & stress factors most insurance companies use when looking at your credit.

Alerts & Insurance

Alerts & Insurance

Use the action button in your Alerts to quickly react to identity theft. Use your insurance to claim reimbursement, if necessary.

What You Can do with a Button

  • Quickly inform your bank or creditor of an unauthorized transaction.
  • Quickly respond to an unauthorized account activated in your name.
  • No filling out lengthly police affidavits or forms.
  • Avoid a lengthly bank or creditor process.
  • No transfers to third party credit repair organizations.
  • No lengthly phone calls or writing letters.

$1 Million Identity Fraud Insurance

*Activation Required

  • Zero Deductible.
  • Covers your entire family residing in your household.
  • Covers your Bank, Savings, Brokerage, Lines of Credit, Credit Card, and more.
  • Covers your cash out of pocket expenses incurred in your ID recovery.
  • Covers your Credit Reports.
  • Covers pre-existing Identity Fraud you didn’t know about.
  • Replacement cost due to stolen Driver’s License or Passport.

Membership Benefits

Smart Credit Report

Credit Scores

Actions

Alerts

Money Manager

3-Bureau Report & Scores

$1MM ID Fraud Insurance

Basic

$9.99 /mo

2/mo updates

2/mo updates

5/mo

Unlimited

Unlimited

A La Carte

Included Activation Required

Premium

$15.99 /mo

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

A La Carte

Included Activation Required

Basic

$9.99 /mo

Smart Credit Report

2/mo updates

Credit Scores

2/mo updates

Actions

5/mo

Alerts

Unlimited

Money Manager

Unlimited

3-Bureau Report & Scores

A La Carte

$1MM ID Fraud Insurance

Included*
Activation Required

Premium

$15.99 /mo

Smart Credit Report

Unlimited

Credit Scores

Unlimited

Actions

Unlimited

Alerts

Unlimited

Money Manager

Unlimited

3-Bureau Report & Scores

A La Carte

$1MM ID Fraud Insurance

Included*
Activation Required