Enabling Millions to Change
The Little-Known Credit Tool
Their Scores by +34 Points
on Average in 30 Days*
$2.9 Billion in Interest Saved by 300,000+ Members
(~$8,800 saved per member)2
$2.9 Billion in Interest Saved by 300,000+ Members (~$8,800 saved per member)2
Working with SmartCredit, my score has increased 266 points. That’s amazing.
My recent 21-point increase allow me to get a reward card that I was denied for last year.
They helped me buy my first home and gave me a peace of mind finding out my credit was sold on the dark web
Common Questions
Why should I pay for this when I can get my credit score for free?
While free credit scores are helpful, they only show you one small piece of your financial picture. SmartCredit® goes far beyond providing a score. It gives you the tools, protections, and actionable guidance needed to actually change and protect your credit and identity.
With SmartCredit®, you’re not just seeing your score; you’re gaining:
- Credit tools: You receive a complete DIY system that helps you build and protect your credit with step-by-step actions you won’t find in a free score app.
- Privacy protection & data-removal services: SmartCredit® includes a powerful privacy feature that you can request the removal of your personal information from people-search sites, something free score services do not offer.
- Identity-theft protection and insurance: You get robust ID-theft monitoring and insurance that other companies charge their own subscription for. Free credit-score apps simply don’t provide this level of protection.
- Score tracking and behavior-based tools: SmartCredit® shows you how your actions (payments, spending, balances) impact your score in real time, helping you make smarter financial decisions. Free services only display the number, without explanation.
- Multiple services bundled into one low price: If you tried to get these services separately, privacy protection, ID-theft monitoring, credit tools, and score tracking, you’d pay over $80 per month.
In short, a free score tells you what your credit is. SmartCredit® shows you how to maximize it, how to protect it, and how to keep your personal data safe, all in a single, affordable platform.
Will pulling my score hurt my credit?
No. Any update to your Smart Credit Report® or to your 3B Report and Scores is a personal inquiry or a “Consumer Inquiry.” It does not appear on your credit report as a hard or soft inquiry and does not harm your credit score in any way.
How long does it take to see results
Some members see results within days, others it can take 30-90 days or longer. It all depends on your credit profile and the actions you take.
Is my private info safe?
We have annual independent on-site audits to ensure we maintain appropriate security measures. Your information is secured and encrypted.
We are certified to an SOC2 type 2 standard. In addition, we employ an independent 3rd party to verify the safety and integrity of our data and systems.
We are PCI Level One DSS certified for safe processing of credit/debit transactions.
How accurate are online credit scores?
The data for the Smart Credit Report® is derived from TransUnion®.
What if nothing improves? Can I cancel?
You may cancel your Membership without any further obligation or cost to you. Canceling your Membership Account will immediately cease any additional charges. You may cancel your membership here.
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. After your trial period, your monthly Membership fees will be billed according to the Membership plan you have selected at enrollment. You may cancel and/or reactivate at any time. 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
How is this product different from all competing products?
SmartCredit® stands apart because it combines the capabilities of several standalone services into one powerful, affordable platform. Instead of paying for separate subscriptions to manage your privacy, protect your identity, and maximize your credit, you get everything in one place.
Our PrivacyMaster® feature provides the type of personal-data removal service that other companies typically charge a full monthly subscription for on its own around $15-$20/mo.
SmartCredit® also includes identity-theft protection and insurance that comparable providers offer at prices starting around $12 per month. On top of that, you receive a complete DIY credit-maximizing system with tools to track, build, and manage your score, something that is usually sold separately as well.
When you add up what similar services cost individually, consumers often spend more than $80 each month. SmartCredit® delivers all of these capabilities, privacy protection, identity-fraud safeguards, and credit tools in one unified platform for a fraction of that price.
In short, SmartCredit® consolidates multiple categories of services into a single, easy-to-use membership, saving you time, money, and simplifying your financial life.
How can I get all three bureau reports
The Build membership includes a 3 Bureau report every month. With the Protect plan, you get access to all the features SmartCredit® offers, and you can purchase the 3 Bureau report a la carte as needed for a small fee.
Is this my FICO score?
Your credit score is the Vantage 3.0 Credit Score jointly created by Experian, TransUnion and Equifax. It is the #1 competing credit score to FICO.
What if I've tried everything and nothing has worked?
You’re not alone—many of our clients have felt exactly the same. This is why we offer a $1 trial so you can test the service yourself first before you commit to the monthly membership. You can cancel within your trial period and you will not be billed further. Additionally, you can cancel anytime after your trial ends and billing will stop for the subsequent billing cycle
Turn Your Score Into Real Savings
Add Points
Build & Boost™ Your Score
Achieve your future score using action buttons and tools3
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
Better Credit,
better offers
Build the foundation of your credit score
then shop for your best offers.
Build the foundation of your credit score then shop for your best offers.
IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed.
1Average point changes are based on historical data. Individual results may vary and are not guaranteed.
2Calculation 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.
3ScoreBuilder 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®.