With all your credit scores (350 - 850)
Auto Score & Insurance Score
The Only Smart Credit Report
It's a new and simple way to control your credit and identity!
We did a lot of research and asked ordinary people what's wrong with a regular credit report. Most said they don't understand it and don’t know how to deal with reporting errors or identity theft.
We take a different approach. To build the Smart Credit Report, we turned it horizontal and simplified it. We made it easy to search and sort. Then, we added Action buttons to talk directly with your creditors. We even give you Apps specific to your credit and lifestyle.
How To Use
The top part is the Quick Slide™ navigation. It's a summary of everything in your credit report. Simply click on an item and it will slide right to it. You can also search, sort and change what you are viewing.
- Negatives affecting your score most. Clearly see what is negative and know how much a negative is affecting your credit score.
- Score Boost instantly shows an estimated increase in your credit score based on actions you have taken.
All your scores 350 to 850, bad to excellent
- Auto lenders do not use your Credit Score. They use an Auto Score to better determine your lending risk.
- This score is weighted to risk & stress factors most insurance companies use when looking at your credit.
DID YOU KNOW: If you take a Smart Action, that results in an improved Credit Score, it will most likely improve your other Scores as well.
- This is an overall view of your credit history and financial stress. It is often called a Mid-Mortgage Score.
- This is where your Credit Score could be. Use our system to deal with common errors and mistakes. Go from good to great credit.
DID YOU KNOW: Checking your credit or scores, as often as you like, will NOT lower any of your scores or affect your credit in any way.
Your Hiring Risk Index
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This index considers many factors used by Employers in their hiring decision, if they choose to look at your credit, as part of their hiring or employee promoting needs. This is becoming more common. Currently, over 45% of Employers in the United States use your credit, in part, to determine the validity of your resume, your stability, verify your education (via a history of student loans) and your overall credit worth. |
