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Control your future credit score!

Great for Any Type of Credit


It is now easier than ever to track all your scores with simple charts or in-depth information.


See exactly what is helping or hurting your credit score. Get your 120-Day Plan to a better score.


Get your best score before you apply for credit. See how your spending affects your score.

Plus Your Money, Privacy & Insurance

Money Manager

All your online banking in one place. Use action buttons to quickly ask questions and resolve problems.

Privacy & Fraud Insurance

PrivacyMaster® stops websites or data brokers from sharing or selling your personal information.

Plus, you get $1 million identity fraud insurance for your whole family.

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Your mobile or email Alerts have action buttons to quickly ask questions and resolve problems.

Membership Snapshot

  • ScoreTracker
  • ScoreBuilder®
  • ScoreBoost
  • Money Manager
  • Smart Credit Report®
  • $1 Million Fraud Insurance
  • PrivacyMaster®







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"ScoreBoost is the coolest tool I have ever used. Plus, I love the Alerts with Action buttons."

Hot Topics Our Members Are Interested In

With the increased risk of identity theft and credit fraud, it's more important than ever to know what's happening with your credit at all times. While reviewing your full credit report throughout the year is a great way to stay on top of your credit, your financial information needs all the protection you can give it.

With a credit monitoring service you can trust, not only will you be able to receive your credit reports and scores easily, you will also be notified if any suspicious or unauthorized activity occurs on your credit report.

With SmartCredit®, our goal is to provide you with a simple platform for your money and credit all in one place, and with innovative tools to help you rest assured that your credit accounts are being monitored 24/7.

With tools such as ScoreTracker, ScoreBuilder®, and ScoreBoost, it's now easier than ever to track all your scores and see what's helping or hurting your credit score. Also, use our Action buttons to communicate directly with your creditors, so you can better control your future credit score.

Take a look at some of the innovative credit monitoring tools we offer.

Your credit score is one of the most valuable financial tools you have in life. With SmartCredit®'s credit monitoring services, you can insure yourself against identity theft and track not only your credit reports, but your daily credit and financial transactions as well.

Your credit report is like a report card of your entire financial history. With SmartCredit®, you quickly receive your 3B credit reports & scores. Plus, we make them easy to read, so you can regularly check their accuracy and better understand your credit score!

With more than nine million Americans experiencing credit card fraud and identity theft each year, the need for identity theft insurance grows every day. Our $1 Million Family Fraud Insurance gives you peace of mind in the event that you or a family member in your household become the victim of identity theft.

Instead of waiting on hold or mailing letters, you can send inquiries and resolve inaccuracies with Action buttons directly with creditors. We have compiled lists of common reasons and suggested language which you can feel free to use or come up with your own. There has bever been an easier way to address factors affecting your credit score.

Your credit score plays a vital role in credit decisions and can open the door to many opportunities. Enroll with SmartCredit® today and not only are you provided with the different types of credit scores that exist, but also credit score tools that allow you to take more control of your credit score.

Sign up with SmartCredit® to get your credit report and to start controlling your future credit score today!

Your credit report contains several pieces of crucial information, such as your credit history, the different types of credit you have previously used, and for how long, any outstanding debts you may have, and how frequently you made payments on the agreed-upon due dates every month.

The data within your credit report is used by various lenders and creditors to determine your financial responsibility, and whether or not you are a risk in terms of extending credit.

Credit reports contain data from four main categories of personal and financial information.

Personally Identifiable Information (PII): Refers to personal information that can be used to identify you, such as your full name, current and previous address, date of birth, and social security number.

Credit Accounts: Each credit account you have opened with various creditors and lenders.

Credit Inquiries: Inquiries are a record of who has accessed you credit report and on what date. Hard inquiries are made each time you apply for a new line of credit, while soft inquiries are made each time you view your credit report.

Public Record and Collections: Refers to personal information such as bankruptcies, debt collections, and any pending legal issues.

However, credit scores are not shown on your credit report because they represent a different insight into your credit. Credit reports indicate your credit activity, while credit scores reflect a calculation of your credit activity.

Credit scores are used by financial companies to help them determine if a consumer has any potential risk in extending them credit. Most often, credit scores are used by financial institutions, credit card companies, and car dealerships to determine whether or not they should provide you with credit, and what the terms, interest rate, and down payment of the credit will be.

Credit score calculations are placed into five categories between the ranges of 300-850:

  • Poor: 579 or below
  • Fair: 580-669
  • Good: 670-739
  • Very Good: 740-799
  • Excellent: 800 or above

Generally, credit scores above 670 are considered good, and a credit score above 800 is considered to be an excellent credit score. Most consumers fall somewhere between 600 to 750.

As mentioned, the benefit of having higher credit scores represent more financial responsibility, thus providing creditors and lenders with more confidence that you will be able to repay any future debts as agreed upon. Get a credit report today and see where your credit score stands.

To find out precisely what is in your credit report, sign up with SmartCredit® to easily receive and manage your 3-Bureau Report & Scores.

The credit reporting agencies are responsible for maintaining your credit report and providing the data to various creditors and lenders who request it. There are three major credit reporting agencies.

  • Equifax
  • TransUnion
  • Experian

However, information that is provided to each of the three credit bureaus may be different due to the individual creditors furnishing your data. For example, one credit bureau may have more or fewer inquiries than the other two, which could potentially produce different looking credit reports.

Because of this, it's recommended that you request your credit report with each of the three major bureaus so that you have a comprehensive look into your financial standing, and quickly identify any difference that could potentially be affecting it.

Monitoring your credit is tough to do on your own. Your SmartCredit® membership provides you with the absolute best platform for your money, credit, and identity all in one.

Sign up to find out how you can start controlling our future credit score today!