Control Your
Future Credit Score!
Our customers add an average of up to
+34pts to their score in as little as 30 days.2
$3.8 Billion in Interest Saved by 477,000+ Members
(~$7,969 saved per member)3
*Results may vary and are not guaranteed.
Empower Your Creditworthiness with a Strong Financial Path
Add Points
Build & Boost™ Your Score
Achieve your future score using action buttons and tools4
Get the Loan
Apply with Your Best Score
Use our myLONA® to find the loan or financing of your choice
Save Money
Live Confidently
Enjoy the savings of a better loan and maintain your best 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
Better credit, better offers
Build the foundation of your credit score then shop for your best offers.
1The estimated calculation was obtained from the FICO® calculator to determine savings from starting credit score to credit score before the above-mentioned financing occurred. Our calculation is subject to change without notice.
2Calculation Methodology: Average score calculations are based on historical internal data from SmartCredit customers between Feb 2024-Feb 2025. The sample includes customers who started with a credit score below 580. Individual results may vary and are not guaranteed.
3Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers' credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore® v3.0 to FICO® v8.0, verified by an official FICO® v8.0 calculator. Our calculation is subject to change without notice.
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®.