Procrastinator's Guide to Good Credit
he most often misunderstood aspect of our lives just might be credit and identity. It's difficult to find something that affects so many, yet is understood by so few. However, your credit report and identity, kept in thousands of places, is just that! A digital history and profile of who you are that so few understand.
Did you know your credit report can be used as a form of identification or as a guide for employment? Do you understand your credit report? Does your credit report accurately represent you and your history or is your identity being used by identity thieves?
Remember, your credit and your identity is entirely your responsibility. You and you alone must control it.
It's difficult to be proactive about your credit and identity if you don't understand how to control it. Most people have a hard time reading their credit report, identifying errors or knowing which items are affecting their credit score and by how much.
Until now, dealing with your credit and identity was a long and complicated process involving many third parties. It can make a procrastinator out of the best of us.
Given these problems, we felt an entirely new and simple approach was needed. The design characteristics we chose are:
- Make credit and identity one simple concept
- Change how it is viewed and understood
- Control it with a simple push of a button and from anywhere
- Have that control communicate directly with the information source
- Integrate useful applications specific to ones credit and lifestyle
The result is our patent-pending Smart Credit system which integrates our innovative credit report, action buttons and applications. It's an interactive platform that puts individuals in complete control of their credit, identity and finances.
In our research, we found the way a credit report is viewed has to change. Vertically viewed credit reports are not useful. So, we turned the credit report horizontal and simplified it. Each element in your credit report is segmented and displayed in an easy to read "sliding" format. We made it easy to sort and find anything.
Next we added action buttons that communicate directly with the source of information avoiding the need to look up account numbers, make phone calls or write letters.
Then we combined credit monitoring with scanning thousands of data bases looking for misuse of your identity. The alerts can be delivered anywhere and most importantly with action buttons embedded avoiding the need to login to your account. Our system is always actively protecting your credit and identity. We are always on guard, protecting your name.
Lastly, we added applications designed for your specific credit and life style. Our JeanChatzky Score Builder app leads the way, helping you through 120 days to better credit.
Smart Credit is designed for those with good or bad credit. It's for those who need to fix an error or get a better interest rate. It's simple and fast. It allows you to control your credit and identity with the simple push of a button!
Please enjoy Smart Credit; we're very proud of it. We also encourage you to give us your thoughts and suggestions.
David B. Coulter
Founder and Chief Executive Officer
ConsumerDirect®
The makers of the world's first
and only Smart Credit™ system!
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