Frequently Asked Questions
Our Smart Credit® system combines your credit information plus protection against identity theft and money management, all in one place.
- View your Smart Credit Report and all your Scores
- Get alerts when there are critical changes to your credit and money with Live ID Alerts.
- See and manage your financial accounts and transactions, including a credit summary listing your outstanding debt.
- Correct credit reporting inaccuracies or settle debt with our Action buttons
This is a revolutionary new type of Credit Report and is not to be confused with a traditional credit report. What makes it so different is the way information is shown to you and how you can interact with your creditors by using Action buttons. It also has a zoom feature to see more credit details and even your daily transactions that ultimately compromise of the information reported by a credit reporting agency.
Each of your Scores has a number ranging from bad to excellent along with a letter grade and how you compare to others. They also have a general overview of your Score. All Scores are estimates and are for educational purposes only. They cannot be used to determine final credit.
Every time you update your Smart Credit Report, you will be able to update all your Credit Score, Auto Score, Insurance Score and Hiring Risk Index.
- This is your credit score and its number range is 300-bad to 850-excellent. This score is a general representation of your credit risk lenders use to grant credit.
- This represents your possible risk to an insurance company if they underwriting your insurance.
Hiring Risk Index:
- Many employers are allowed to view your credit report (not your credit score), when determining hiring or promotion. This Hiring Risk Index can help you better understand how employers may interpret your credit report.
Use the Action buttons, located throughout the site, to communicate directly with your creditors for anything you need. You can resolve problems, ask questions or inquire about a transaction or something you see on your credit report. It is very fast and you don't need account numbers or have to worry about business hours. Best of all, you don't have to talk to anyone. Just push the button.
When a creditor replies to your Action request they may reply through our system which will then generate an Alert to you. Or, the creditor may reply directly to your home address. A creditors reply may vary depending on the general responsiveness of the creditor and your Action request. Please allow reasonable time for your creditor(s) to respond to your Action(s).
A creditor may reply with acceptance, denial, counter-offer or request for more information. In some cases, a creditor may not respond at all. In other cases multiple Actions may be required to get the result you desire. Results or replies to your Action(s) are not guaranteed. Delivery of your Action(s) to a creditor is not guaranteed. We do reserve the right to reject any of your Actions for unnecessary repetition, frivolous requests or foul language.
You have until midnight, pacific time, to cancel your Action. After which our system will automatically fulfill your Action request.
Yes, all 3 are, plus your creditor as well.
Your Actions go directly to your creditors. If your Action request is agreed to by your creditor, they would update their records and records they send to any of the national credit bureaus.
For example, if your creditor agrees with your Action request to correct a credit reporting inaccuracy, 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.
You will get various Alerts keeping you informed of the latest concerning your Money and Credit. The Alerts are simple and well organized for you. They include Alerts about your Membership, credit monitoring, identity theft protection, creditor responses to your Actions and when payments are due on your Money Manager linked accounts.
Some Alerts are very important. We encourage you to activate Live ID Alerts on your phone or email for your important Alerts. This puts a button in your Alerts to remove possible identity theft from your email or mobile phone. Click on Live ID Alerts and follow the instructions.
100% Alert notification is not guaranteed. Make sure you allow our Alerts to get to your email in-box by instructing your email that our Alerts are NOT spam.
Link your online bank accounts, credit cards, loans, utilities and investment accounts to Money Manager. This lets you see individual transactions, monthly statements and get payment due notices updated every day.
The details of these linked accounts are shown in Money Manager located on your Member home page and also attached to your creditor data on the Smart Credit Report. If you view a creditor in your Smart Credit Report, the transactions will appear as well.
Having all your money, credit and identity in one place is very simple and convenient, especially when you use an Action button to ask your credit something.
Smart Credit Report® with all your Scores
- A new and innovative way to view & use your credit report
- Quick Slide™ Navigation system
- Credit, Auto and Insurance scores
Live ID Alerts
- Notifications when transactions exceed a set amount
- Credit monitoring for changes to your credit report
- Mobile Action Buttons to report possible identity theft
- Click a button to communicate directly with your creditors
- Declare an account or transaction as identity theft straight from your phone or email
- Actions go directly to your creditors
- Fast and effective results
- View all your balances and transactions in one place
- Automatic updates so you get the most recent data
- Alerts of suspicious activity
- Helpful graphs and bill reminders
- Credit monitoring alerts
- Money Manager transaction alerts
- Creditor responses to your Actions
- Mobile alerts with Action Buttons
You get even more with your Premium membership:
- UNLIMITED updates to your Smart Credit Report®
- UNLIMITED updates to your Scores*
- UNLIMITED Actions*
Premium membership plans give you UNLIMITED access to all our product features and benefits.
* For your protection and the integrity of our product, you may be required to contact Customer Service to validate excessive updates to your Smart Credit Report and Scores and/or excessive Action requests.
If you have a trial period, you may cancel your account within your trial period without any obligation or additional cost to you. To cancel your membership at any time, please click here and follow the cancellation procedures.
During your trial period you will get full access to all the features of our product. However, the total number of Actions and Credit Score updates may be limited.
In some cases you may have to pay a refundable one-time activation fee to enroll in Membership. This one-time refundable activation fee is typically $1.95. The term free trial is not meant to include this one-time refundable activation fee.
After your trial period, your monthly Membership fees will be according to the Membership plan you have selected at enrollment. You may cancel at any time. You may reactivate at any time as well. Your Membership fees are for your credit scores and credit monitoring, everything else is free, including Actions. In some cases, certain Apps or third party offers may present you with offers that may require a fee. You are under no obligation to accept them.
You may receive a full refund of your first Membership fee by contacting our customer service no later than 30 days after the date of the first Membership fee and requesting a refund. If you were charged a refundable Identity Verification fee at enrollment, you may request a refund of this fee with our customer service. Any partial refund does not automatically waive any further balance owed.
You may cancel your Membership without any further obligation or cost to you.
To cancel your membership at any time, please click here and follow the cancellation procedures.
Cancelling your Membership Account will immediately cease any additional charges. You agree to pay any accumulate, unbilled charges through the date of your cancellation, at the time of your cancellation. Upon cancellation, you will lose access to the areas of the service 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. You may reactivate your Membership Account at any time.
All Membership plans include the following:
- Smart Credit Report
- Live ID Alerts
- Money Manager
- Action Buttons
There are (2) types of Membership:
- $29.95 per month
- Unlimited updates to your Credit Score*
- Unlimited Actions**
- $19.95 per month
- 5 Actions per monthly billing period
- 2 updates to your Credit Score per monthly billing period
* Unlimited Scores is defined as 6 full Smart Credit Report and Score updates per billing period. For the integrity of our product and for your protection, any request to exceed this will have to be determined as non-frivolous. Please contact our customer service (877) 372-3895 to request additional Score updates within the same billing period.
** Unlimited Actions are defined as 20 Actions per billing period. For the integrity of our product and for your protection, any Actions exceeding this will have to be determined as non-frivolous. Please contact our customer service (877) 372-3895 to request additional Actions within the same billing period.
For Members, please log in to your account and click "Contact Us". There you can use our simple form which will help you contact us with your specific needs. For security purposes, we do not accept emails, please use this form.
For all other questions, please contact us at (877) 372-3895. You can also go to our web site and click on "Contact Us".
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 product of convenience. Generally, you can do any features of our product on you own without purchasing our product.
The following is a supplement to any Consumer Rights included in our 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 TERMS AND CONDITIONS FOR FULL DETAILS.