IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed.
1Average point changes are based on historical data. Individual results may vary and are not guaranteed.
2Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers' credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore® v3.0 to FICO® v8.0, verified by an official FICO® v8.0 calculator. Our calculation is subject to change without notice.
3ScoreBuilder 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 from TransUnion®, Experian® and Equifax®.
Control Your
Future Credit Score!
Our customers add an average of up to +34pts to their score in as little as 30 days.1
$2.9 Billion in Interest Saved by 300,000+ Members
(~$8,800 saved per member)3
No credit impact. Cancel Anytime.
Excellent 
4.3/5 on Trustpilot
Excellent 4.3/5 on Trustpilot
Control Your
Future Credit Score!
Our customers add an average of up to +34pts to their score in as little as 30 days.1
No credit impact. Cancel Anytime.
Excellent 4.3/5 on Trustpilot
*Results may vary and are not guaranteed.
$2.9 Billion in Interest Saved2
200,000+ Members3
$8,800 saved per member2
-
$2.9 Billion in Interest Saved
-
200,000+ Members
-
$8,800 saved per member
-
$2.9 Billion in Interest Saved
-
200,000+ Members
-
$8,800 saved per member
$2.9 Billion in Interest Saved2
200,000+ Members3
$8,800 saved per member2
Add Points
Achieve your future credit score with our action buttons and tools3
Get the Loan
Use our myLONA™ to get the loan or financing of your choice
Save Money
Enjoy the savings of a better loan and maintain your best score
Excellent 4.3/5 on Trustpilot
Why Customers Love our Interactive Tools
Maximizing Your Score
Score Boosting
I'm so glad l've use this service to monitor my credit. I've been able to increase my score and I'm continuing to to try to meet my goal. Great service and professional.
Score Boosting
I love this app it help me my credit score alot
Score Boosting
Everything the company do is great. Keeping you up to date as your score progresses.
Tracking Your Progress
Score Tracking
What I like is knowing what my credit score is and how much it can change.
Score Tracking
Super grateful with the change on my credit score and always keeping me updated with all the information necessary.
Score Tracking
I've had smart credit for over 2 years and its given me insights to my credit score that I never accessed before.
Addressing Credit Errors
Score Fixing Solutions
Because of Smart Credit and the guidance of Mr White I have achieve all my credit goals very quickly and efficiently.
Score Fixing Solutions
Not all of the disputes have been successful but I did get 2 corrections made which bumped by score up by about 50 points.
Score Fixing Solutions
They actually Answer their phone and u can talk to someone live that was one of the most important thing for me. And my credit want up 55 points today
Stronger Score.
Bigger Savings.
01
Connect All Accounts in One Place
Link your bank accounts, credit cards, and loans so every transaction lives in one simple dashboard
02
Automated Spending Tracking
Money Manager categorizes your transactions so you can instantly see where your money goes and catch recurring payments you may have forgotten.
03
Address Issues with One Click
See something wrong? Flag suspicious transactions and start a dispute in just one click.
04
Get Alerts Before Problems Grow
Set transaction limit alerts to spot suspicious activity early and avoid surprise charges before they impact your balance or credit.
How SmartCredit Helps Keep Your Finances In Check
How it works
Add Points
Achieve your future credit score with our action buttons and tools3
Save Money
Enjoy the savings of a better loan and maintain your best score
Get the Loan
Use our myLONA™ to get the loan or financing of your choice
Excellent 4.3/5 on Trustpilot
Why Customers Love our Interactive Tools
Maximizing Your Score
Score Boosting
I'm so glad l've use this service to monitor my credit. I've been able to increase my score and I'm continuing to to try to meet my goal. Great service and professional.
Score Boosting
I love this app it help me my credit score alot
Score Boosting
Everything the company do is great. Keeping you up to date as your score progresses.
Tracking Your Progress
Score Tracking
What I like is knowing what my credit score is and how much it can change.
Score Tracking
Super grateful with the change on my credit score and always keeping me updated with all the information necessary.
Score Tracking
I've had smart credit for over 2 years and its given me insights to my credit score that I never accessed before.
Addressing Credit Errors
Score Fixing Solutions
Because of Smart Credit and the guidance of Mr White I have achieve all my credit goals very quickly and efficiently.
Score Fixing Solutions
Not all of the disputes have been successful but I did get 2 corrections made which bumped by score up by about 50 points.
Score Fixing Solutions
They actually Answer their phone and u can talk to someone live that was one of the most important thing for me. And my credit want up 55 points today
01
Connect All Accounts in One Place
Link your bank accounts, credit cards, and loans so every transaction lives in one simple dashboard
02
Automated Spending Tracking
Money Manager categorizes your transactions so you can instantly see where your money goes and catch recurring payments you may have forgotten.
03
Address Issues with One Click
See something wrong? Flag suspicious transactions and start a dispute in just one click.
04
Get Alerts Before Problems Grow
Set transaction limit alerts to spot suspicious activity early and avoid surprise charges before they impact your balance or credit.
How SmartCredit Helps
Keep Your Finances In Check
Trusted by 200,000+ users like you
Verified
Financial literacy
I've enjoyed the guidance in proper credit usage. Excellent tool to build, rebuild and/
or maintain credit worthiness.I've enjoyed the guidance in proper credit usage. Excellent tool to build, rebuild and/or maintain credit worthiness.
Mary, Nov 26, 2025
Verified
Addressing Credit Errors
They actually Answer their phone and u can talk to someone live that was one of the most important thing for me. And my credit want up 55 points today
Jason , Oct 24, 2025
Trusted by 200,000+ users like you
Verified
Financial literacy
I've enjoyed the guidance in proper credit usage. Excellent tool to build, rebuild and/or maintain credit worthiness.I've enjoyed the guidance in proper credit usage. Excellent tool to build, rebuild and/or maintain credit worthiness.
Mary, Nov 26, 2025
Verified
Addressing Credit Errors
They actually Answer their phone and u can talk to someone live that was one of the most important thing for me. And my credit want up 55 points today
Jason , Oct 24, 2025
FAQ
Credit Score
A credit score is a three-digit number that represents your "financial reputation" to lenders. It matters because it determines your eligibility for loans, credit cards, and housing, as well as the interest rates you’ll pay—saving you thousands of dollars over time.
Think of your credit report as a detailed history of your financial habits (your "transcript"), while your credit score is the grade based on that history. The report lists your accounts and payment history; the score summarizes that data into a single, actionable number.
The three major national credit bureaus are Equifax, Experian, and TransUnion. These are independent companies that collect and store data about your credit behavior, which is then used to generate your credit reports and scores.
A "good" score is generally 670 or higher. To build credit, focus on two main habits: making every payment on time and keeping your credit card balances low (under 30% of your limit). Using a tool like SmartCredit can help you track these factors in real-time.
The most significant "score killers" are late or missed payments, high credit card balances, and applying for too many new accounts at once. Additionally, items like collections, foreclosures, or bankruptcies can stay on your report and impact your score for years.
General
ScoreTracker
ScoreTracker monitors your Credit Score, Auto Score, Insurance Score, and Hiring Risk Score.
ScoreBuilder®
ScoreBuilder® shows negative items on your Credit Report and allows you to use Action Buttons to report inaccuracies directly with the financial institutions and creditors.
ScoreBoost™
ScoreBoost™ lets you see how
credit card spending and payments impact your score, so you know when to apply
for a loan.
Here are some typical things members do:
- Add all their online banking accounts to Money Manager to get daily transactions and alerts.
- Link their mobile phone for important credit monitoring and bank account Alerts which contain Action buttons.
- Routinely use Action buttons for questions or to resolve issues.
- They stay protected with their $1 Million Fraud Insurance (may not be available with certain types of memberships.).
- Update their credit report and scores at least once a month.
- Update their 3B Report and Scores regularly (additional fees may apply).
- Use ScoreTracker and ScoreBoost™ often.
You get your money, credit and identity in one interactive place.
Plus, you get ScoreTracker, ScoreBuilder® and ScoreBoost™.
Use ScoreBoost™ to learn how your credit score can fluctuate up and down so rapidly.
Move the ScoreBoost™ dial to see how your credit score moves based upon payments or spending on your revolving accounts. Revolving accounts are mainly your credit cards. These accounts are the most volatile portion of your credit score and can change rapidly as your creditors or banks update your credit report monthly to reflect payments or spending.
Use ScoreBoost™ to see your Future Credit Score.
Move the ScoreBoost™ dial to the right of your current score to see how your credit score may increase by making payments to your revolving accounts. Typically, your credit score will increase within 15 to 45 days after your payments post, providing you reach the recommended target statement balance and all else on you credit report remains normal.
ScoreBoost™ helps you plan spending on your revolving accounts by showing you the resulting decreasing in your credit score and when to pay those amounts to void any negative score impact.
Move the ScoreBoost™ dial to the left of your current score to see how spending on your revolving accounts will lower your credit score. Typically, your credit score will decrease within 15 to 45 days of that spending and all else on your credit report remains normal. Quickly pay the amounts you spend on your revolving accounts (i.e. within 10 days, but certainly before your monthly statement balance is generated by your credit or bank). This will help you avoid a decrease in your credit score, especially if you are applying or plan to apply for credit.
Check ScoreBoost™ often.
Use ScoreBoost™ to plan the best time to spend money.
Use ScoreBoost™ every time you get a relevant Alert from us or when you get your bank statement(s).
MOST IMPORTANTLY, use ScoreBoost™ before you apply for credit such as a credit card, auto loan, student loan, mortgage, small business loan or any other type of credit to ensure you're applying at your peak credit score.
ScoreBoost™ Disclaimer.
ScoreBoost™ uses the Vantage 3.0 Credit Score which was built by Experian, TransUnion & Equifax to compete with the FICO® Credit Score. ScoreBoost™ is a credit score simulator designed for educational purposes only. Results are not guaranteed. ScoreBoost™ shows possible outcome(s) of your credit score based upon certain actions you may optionally take that affect the statement balance reported by your creditor or bank. This is not credit repair and not subject to regulation under any Federal or State Credit Repair Organization Act.
You get a Vantage Credit Score when updating your 1B report. Plus, you can optionally get all three of your vantge credit scores from Experian, TransUnion and Equifax with your 3B Report and Scores. Auto Score, Insurance Score and Hiring Risk Index are provided by ConsumerDirect®.
Credit Score
Your Credit Score ranges from 300-bad to 850-excellent. This score is a general representation of what lenders use to determine credit risk and make credit granting decisions. Your Credit score is the Vantage 3.0 Credit Score jointly created by Experian, TransUnion and Equifax. It is the #1 competing credit score to FICO.
Auto Score
This represents your possible risk to an auto lender when purchasing or leasing a car.
Insurance Score
This represents your possible risk to an insurance company if they underwrite your insurance.
Hiring Risk Index
Many employers can view your credit report (not your credit score) when evaluating decisions to hire or promote. This Hiring Risk Index can help you beter prepare for when an employer may look at your credit report.
Better credit, better offers
Build the foundation of your credit score then shop for your best offers.
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