- What is the Smart Credit® System? »
- How does the Smart Credit Report® work? »
- What is 24/7 Credit Monitoring and Identity Protection with Smart Alerts »
- What is the SMART Action Button™ and what should I expect? »
- Are all three (3) of the National Credit Bureaus updated? »
- What Scores do I get? »
- What is in my Membership App Center? »
- Why should I upgrade to Premium? »
- How much does it cost? »
- What is included in my Membership? »
- How does the FREE Trial offer work? »
- What about your 30 Day Satisfaction Guarantee, Refund and Cancellation policies? »
- How can I contact your Customer Service? »
- Is my information safe with your on-line security? »
- What are my Consumer Rights? »
What is the SMART CREDIT® system?
Our Smart Credit® system is an innovative credit report with buttons and apps.
- View all your credit scores
- Credit and identity protection
- Mobile alerts and action buttons
- Fix credit issues and identity theft
How does the Smart Credit Report® work?
Our technology transforms your credit report to a Smart Credit Report making it easy to read, simple to use, and interactive.
Our interactive system will show you your Smart Credit Report in a horizontal fashion giving you the ability to easily slide to any item within your Smart Credit Report. Next to most items on your Smart Credit Report are our Smart Action Buttons. This is how you will communicate directly with your creditors. Simply push the Smart Action Button and indicate what you would like your creditor to do and why.
When your creditor responds to your Smart Action you will get notified by our Smart Alerts to your e-Mail. You will need to login to see to see the details. In some cases a creditor may contact you directly with their response or perhaps ask you further questions to complete your Smart Action. You will also get a Smart Alert confirming any updates your creditor may have made to your credit reports. Plus, our Smart Alerts will notify you of any other changes to your credit report.
What is 24/7 Credit Monitoring and Identity Protection with Smart Alerts®?
Our Smart Alerts are e-Mails sent to you, such as:
- Credit and Identity monitoring alerts
- Confirmation you took a Smart Action
- Your creditors response to your Smart Action
- Confirmation your creditor updated your credit reports, as a result of your Smart Action
- Your Full Smart Credit Report and Scores have been updated
Identity alerts include three bureau* and non-bureau alerts on new accounts, credit cards, in-store credit, wireless, utility, auto and mortgage loans derived from new applications showing your name, social security, date of birth or address. In some cases these alerts will not appear on all your credit reports.
Credit Monitoring Alerts include:
- New Inquiry reported
- Negative/Derogatory account status change
- New Account reported
- Creditor Reported Bankruptcy
- Public Record of a Bankruptcy
- New address reported
- New employment reported
- Account status improvement
- New Inquiry ENHANCED – This contains additional information including the name, address, and employer that was put on a credit application for the inquiry.
- New Public Record reported
- New Account Applications
* Alert data for new accounts or attempts to open new accounts is provided by id analytics, Inc., a non-credit bureau alert system. The coverage is broad enough to encompass data ultimately appearing on all three credit bureaus. However, with the exception of TransUnion data, some new accounts or attempts to open new accounts may not appear in member alerts.
What is the SMART Action Button™ and what should I expect?
A Smart Action is a Button you will use to give instructions to our system to communicate directly with your creditors.Your Smart Action requests will be routed directly to your creditor for resolution. We are a neutral party to your Smart Action request. We do not negotiate or make recommendations to you or act on your behalf for any Smart Action you may take.
When you use the Smart Action Button, your creditor will respond directly back through our system and we will send you a Smart Alert with your creditors response. In some cases, the creditor may respond directly to your address they have on file. The time it takes for a creditor to respond will vary, and, in some cases, a creditor may not respond at all.Please allow reasonable time for your creditor to respond to your Smart Action requests.
Your creditor may respond with acceptance, confirmation, counter-offer, denial or request for more information. Results are not guaranteed. In some cases, multiple Smart Action requests may be required in order for you to get the results you desire from your creditors.
Premium Members have unlimited Smart Actions*. Any other Membership plan will include a certain number of Smart Actions each month.
The following list describes the Smart Actions you may take directly with your creditor:
- Fix Smart Credit Report Errors
- Goodwill Correction of a Reported Negative item
- Not My Account
- Debt Settlement
- Interest Rate Reduction
- Defer monthly payments
- Verify your Account Details
- Customer Service or Billing Statement Question
- Report Fraud on your Billing Statement
- Declare ID Theft – this Smart Action informs the Federal Trade Commission, National Sentinel Enforcement Data Base and all national Credit Bureaus via the F.T.C.
- Recover from ID Theft
You have until midnight, pacific time, to cancel your Smart Action request. After midnight, pacific time, our system will automatically fulfill your Smart Action request within 24 hours.
* For your protection and the integrity of our product, you may be required to contact our Customer service line to validate excessive full Smart Credit Report and Score updates and excessive Smart Actions.
Are all three (3) of the National Credit Bureaus updated?
Yes, all 3 are, plus your creditor as well.
Your Smart Actions go directly to your creditors. If your Smart Action request is agreed to by your creditor, they would update their records and any National Credit Bureau they are reporting your information to.
For example, if your creditor agrees with your Smart Action request to Fix a Smart Credit Report Error, they will update their records, plus all three National Credit Bureaus, providing they were reporting your information to all three National Credit Bureaus. If your creditor was only reporting to one or two National Credit Bureau(s), then they would update their records, as well as, the one or two National Credit Bureaus they are reporting to.
What Scores do I get?
- Credit Score
- Future Credit Score
- Auto Score
- Insurance Score
- Employment Score
When you become a Member we will receive your credit score from one or more credit bureaus. We recalibrate this score to our scoring range of 350-850 and display it to you. Our credit scores are not to be confused with FICO scores, Vantage scores, Empirica scores, Beacon scores, or any scores from TransUnion, Experian or Equifax. In some cases, credit report data does not contain enough information to generate a credit score. In such cases, we reserve the right to use our proprietary credit scoring technology to give you a credit score estimate.
Our Future Credit Score, Auto Score, Insurance Score and Identity Theft Risk meters are our own proprietary scoring system designed to give you a better understanding of specific areas of your overall credit.
All of our Scores are not to be used to determine or grant credit in any manner. They are for educational purposes only.
What is in my Membership App Center?
Your membership includes personalized applications ('App'). These Apps are specific to your credit profile.
Simply click on any App to start using it. There is no need to download or install anything.
For Example:
Score Builder is a step-by-step program to a better credit score. It is FREE with membership.
Daily Smart Savings shows you pre-qualified credit card offers to save you money. Updated daily.
Why should I upgrade to Premium?
Some of the extra benefits of Premium and Promotional membership:
- Unlimited full Smart Credit Report® and Scores updates
- Unlimited Smart Actions™
Premium and Promotional membership plans give you UNLIMITED access to all our product features and benefits. If you have our Promotion membership, you will not be able to change to any other membership plan. After your Promotion membership has ended, you will be automatically enrolled in our Premium Membership plan with month-by-month charge identical to the Premium plan. Please see How Much Does It Cost below for more details on our membership plans.
Are all three (3) of the National Credit Bureaus updated?
Yes, all 3 are, plus your creditor as well.
Your Smart Actions go directly to your creditors. If your Smart Action request is agreed to by your creditor, they would update their records and any National Credit Bureau they are reporting your information to.
For example, if your creditor agrees with your Smart Action request to Fix a Smart Credit Report Error, they will update their records, plus all three National Credit Bureaus, providing they were reporting your information to all three National Credit Bureaus. If your creditor was only reporting to one or two National Credit Bureau(s), then they would update their records, as well as, the one or two National Credit Bureaus they are reporting to.
How much does it cost?
Our product is a subscription based membership. You will be charged according to the membership plan you choose, until you cancel. You may have a free trial period. If you have a free trial period and do not want our product and wish to avoid any charges, please cancel within your free-trial period. Your membership will include a 30-day satisfaction guarantee for a full refund if you are not satisfied.
Your membership fee will be charged to your method of payment, after your Free Trial. Then every 30 days from your signup date, until you cancel.
If you have our promotional membership, it will include several months of membership for a special promotional fee you would pay in advance. You will have our 30-day satisfaction guarantee for a full refund if you are not satisfied. With our promotional membership plans, there are no charges for any Smart Actions, which includes a credit improvement action you may take.
If you purchased a copy of our product from a store, such as Costco or Best Buy, you may return the product there under their standard return policy.
Our Standard Pricing:
FREE Trial period: 5- Days
Basic Membership Fee:
$19.95
Premium Membership Fee:
$29.95
Promotional Pricing Plan:
The purchase price will be presented to you prior to your membership enrollment, providing you are eligible for this plan. It is usually between $79.95 to $119.95 for three to six months of our Premium Membership with no charges for Smart Actions and no free trial. You will have our 30-day satisfaction guarantee for a full refund if you are not satisfied. After your promotional period of three to six months, you will be automatically enrolled in our Premium Membership plan with month-by-month charge identical to the Premium plan.
Basic Members have:
- 1 free full updates to their SMART Credit Report and Scores every 30-day period.
- 5 SMART Actions per 30-day period.
- Premium and Promotional Pricing Plan have Unlimited Everything
For your protection and the integrity of our product, you may be required to contact our 24/7 Customer service line to validate any excessive full SMART Credit Report and Score updates and/or excessive SMART Actions
What is included in my Membership?
SMART Credit Report® with all your Scores
- A revolutionary new way to view & use your credit report
- Quick Slide™ Navigation system
- Negatives affecting your credit score most
24/7 Credit and Identity Protection
- Identity monitoring for the use of your name, social security number or address
- Credit monitoring for changes to your credit report
- Mobile Rapid Response
Smart Action Button™
- Push a button to fix errors & improve your score
- Actions go directly to your creditors
- Fast and effective results
Smart Alerts®
- Identity monitoring alerts
- Credit monitoring alerts
- Creditor responses to your Action
- Put these alerts on your mobile phone with Rapid Response
Apps Center
Smart Credit integrates applications (‘apps’) that save you time and money. These apps consolidate and simplify our core products, listed above, or offer you third party products or offers uniquely tailored to your credit and finances.
By joining Smart Credit you are giving your permission for us to match you with offers, products and apps that may be suited for you. We will not share your information with any third party without your express permission.
Telephone & e-Mail customer service is based in the United States.
PREMIUM Membership includes all of the above, plus:
• Unlimited updates to your Smart Credit Report & Scores*
• Unlimited Smart Actions*
* Please see What is the Smart Action Button™ and what should I expect? above for details
How does the FREE Trial offer work?
You may cancel your account within your free trial period without any obligation or cost to you. To cancel your Membership at any time, log in to your account, select Account and then Close Account. Follow the cancellation of account procedures.
During your free trial period you will get access to your Smart Credit Report, Smart Action Button, 24/7 Credit and Identity Protection, Smart Alerts and Apps Center at no charge or obligation to you. You may take at least one Smart Action during your free-trial period. In some cases, our apps or third party offers may presented you with offers that may require a fee during your free trial period, should you choose to accept it.
What about your 30 Day Satisfaction Guarantee, Refund and Cancellation policies?
You may cancel your account any time during your FREE Trial period without any obligation or fee.
Canceling an account after your free trial period will immediately cease any additional charges. After your free trial, you agree to pay any accumulated, unbilled charges through the date of your cancellation, at the time of your cancellation. A refund of your 1st transaction is only eligible if you cancel your account and request a refund with our customer service no later than 30 days after becoming a Member. You will not be eligible for any additional refunds. Any partial refund does not automatically waive any further balance owed. You may reactivate your account at any time.
If you have our promotional membership, it will include several months of membership for a special promotional fee you would pay in advance. You will have our 30-day satisfaction guarantee for a refund of the 1st transaction if you cancel your account and request a refund with our customer service no later than 30 days after becoming a Member. Please see How Much Does It Cost for more details.
If you purchased a copy of our product from a store, such as Costco or Best Buy, it will be our promotional membership plan and you may return the product there under their standard return policy.
Upon cancellation (or failed payment), you will lose access to the areas of the product designated for Members only and lose access to your data and other benefits. This could include any credit data and analysis that may have been displayed during your Membership.
How can I contact your Customer Service?
If you are not a Member and have a question, go to our home page and click on “Learn More,” then click on "Contact Us," complete the simple form and submit.
For Members to contact us by e-Mail, you must log in to your account and click on Contact Us under Account.There you will see the "Contact Us" e-Mail form.You MUST be logged in and you MUST use this Contact Us form to e-Mail our customer service. For security reasons, we do not accept e-Mails using any other method.If you need to contact us by telephone, please call (877) 372-3895Is my information safe with your on-line security?
Your information is secured with the same 128-bit encryption used by leading companies, financial institutions and governments worldwide.
We are certified to an ISO 17799 standard. We have an independent 3rd party verify the safety and integrity of our data and systems, daily.
We are PCI certified for safe processing of credit/debit transactions.
We are members of Verified By Visa and MasterCard SecureCode to further ensure your identity when you become a Member.
What are my Consumer Rights?
We are product of convenience. Generally, you can do any features of our product on own without purchasing our product.
The following, is a supplement to any Consumer Rights included in our Membership Terms and Conditions:
Consumer Credit File Rights under State and Federal Law you have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘‘credit repair’’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the
credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission Washington, D.C. 20580
PLEASE SEE OUR MEMBERSHIP OPTIONS AND TERMS & CONDITIONS FOR FULL DETAILS.
