Control Your Future Score
Our customers add an avg of +34pts in
as little as 30 days.
Control Your Future Score
Our customers add and avg of 34+ pts in a as little as 30 days.1
LEGAL AF Listener Offer
No credit score impact.
My experience has been amazing so far! My credit has jumped more than 100+ since joining. It provides an actionable process and so many different systems to take charge of your credit score.
Artis J.
SmartCredit Member since 2021
Tools You Need to Take Control of Your Scores
Identify
Get a clear breakdown of the negative items on your credit report holding your score back.
What’s Hurting Your Score
Take Action
Use SmartCredit’s Action buttons and ScoreBuilder™ tools to resolve issues and maximize your potential points.
To Impact Your Score
Get
Unlock your best offers with myLONA™ and find lower rates, better terms, and real savings.
The Loan & Save Money
Tools You Need to Take Control of Your Scores
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.
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 from TransUnion®, Experian® and Equifax®.
Better credit, better offers
Build the foundation of your credit score then shop for your best offers.
Better credit, better offers
Build the foundation of your credit score then shop for your best offers.
Build your score with ScoreBoost™
ScoreBoost™ helps you find the best time to pay off your accounts and add points to your credit score
Build your score with ScoreBoost™
ScoreBoost™ helps you find the best time to pay off your accounts and add points to your credit score
*Based on national averages. Source: LendingTree Q2 2025. Actual rates and amounts vary by lender and credit profile.
*Based on national averages. Source: LendingTree Q2 2025. Actual rates and amounts vary by lender and credit profile.