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IMPORTANT DISCLAIMER: Any credit scores, plus points, ScoreBuilder® points, or ScoreBoost™ points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed. ScoreBuilder® is an individual communications tool using our patented Action button where all requests taken by an individual are sent direct-to-creditor customer service. ScoreBoost™ is a payment and spending simulation based on credit utilization. Credit score changes are also estimates only and typically apply to all credit scores similarly including FICO® & VantageScore® versions as credit scores are derived from TransUnion®, Experian® and Equifax® where your payments and spending are reported, and credit utilization is used for scoring.

What Else Do You Get with SmartCredit?

Credit, Auto, Insurance, and Hiring Risk Index Scores

Get Started

Best-Pay-Down Balance Dates around bureau reporting schedules

Online data removal request service to protect private information

$1 Million Fraud Insurance for entire household

Sync financial accounts for centralized transaction & pay date alerts

Loan marketplace with offers tailored to your current and future scores

What Else Do You Get with SmartCredit?

Step 1

Learn more about the SmartCredit 3B Report here.

3-Bureau Report Walk-Through

Learn more about the SmartCredit 3B Report here.

3-Bureau Report Walk-Through

3-Bureau Credit Report and Scores

Access My 3B Report

Compare and review your credit reports from all three bureaus - Experian®️, Equifax®️, and TransUnion®️– along with other credit-building features all in one place. Instant access - No hidden fees

Starting at $27.95

Step 1

Why Check All 3 Credit Reports?

Credit Scores

Can be different

Each credit bureau has unique data, so your scores can vary by bureau.

3-Bureau Credit Report

Compare all 3-bureau credit reports and see any differences each bureau may have reported.

3-Bureau Credit Scores

Check key factors impacting your scores, including payment history, inquiries, utilization, and more.

Take Action

If you see inaccuracies, take instant action and communicate directly with the source.

Lenders

May not report to all

Lenders usually share information with all 3 credit bureaus, but some might only report to 1 or 2

Inquiries

The details may vary

When you apply for credit, lenders often review just 1 or 2 credit reports instead of all 3.

3-Bureau Credit Report and Scores

Access My 3B Report

Compare and review your credit reports from all three bureaus - Experian®️, Equifax®️, and TransUnion®️– along with other credit-building features all in one place. Instant access - No hidden fees

Starting at $27.95

Step 1

3-Bureau Credit Report

Compare all 3-bureau credit reports and see any differences each bureau may have reported.

3-Bureau Credit Scores

Check key factors impacting your scores, including payment history, inquiries, utilization, and more.

Take Action

If you see inaccuracies, take instant action and communicate directly with the source.