In today’s complex financial landscape, the best way to achieve and maintain your financial goals is to understand and manage your credit score. Whether you’re buying a home or securing a loan, your credit score plays a significant role in almost every major financial decision you make.
Unfortunately, many people view their credit score as an elusive number controlled by forces outside their control and have no idea how to manage it.
But what if you could take control of your credit and turn that number into a powerful tool? That is where SmartCredit comes in. SmartCredit is a comprehensive platform with tools designed to empower you to unlock your full financial potential.
What Is SmartCredit?
SmartCredit is a comprehensive, interactive platform that goes beyond traditional credit monitoring services. With 6 patents and unique tools to monitor and maximize your credit, manage your finances and protect your identity all-in-one, it is a must have for any American no matter what their credit score. Founded in 2003, SmartCredit has dedicated itself to providing consumers with the insights and tools needed to navigate their financial goals with confidence and security.
Chris Peery, CTO at SmartCredit, sympathizes with consumers on how frustrating the evolving credit score number can be. He has worked diligently alongside his team to help create a platform where consumers can not only better their credit score but truly understand it. As he points out, “It isn’t just about having the best credit score you can get, but also maintaining it.”
Having been with SmartCredit for twenty years, Peery tells us that “SmartCredit has serviced more than 4 million customers since its inception, and the average user adds 41+ points to their credit score in the first month!”
As we like to say, the proof is, well, in the rising credit score!
How Does SmartCredit Work?
Unlike other credit services that provide read-only information, SmartCredit equips consumers with a suite of user-friendly features that allow their customers to actively manage and improve their financial standing. It’s a great way to learn, understand, and monitor your credit score, as well as manage your finances and protect your personal data online.
The platform offers three unique tools—ScoreTracker, ScoreBuilder®, and ScoreBoost™
SmartCredit’s Three Unique Tools Explained
- ScoreTracker: Manage Your Credit Score
Your credit score isn’t just one number—it’s a compilation of various scores that lenders, insurers, and even employers might use to gauge your financial reliability. SmartCredit’s ScoreTracker allows you to monitor the progress of your Credit Score, Auto Score, Insurance Score, and Hiring Risk Score. With regular updates, you can see how your scores change over time, understand what factors influence these changes, and even see how your scores compare to the national average
ScoreTracker is invaluable for anyone who wants to be proactive about their credit. By understanding how different financial behaviors impact your various scores, you can take steps to improve them, whether it’s paying down debt, reducing credit utilization, or addressing inaccuracies on your credit report.
- ScoreBuilder®: Helps to Address Credit Report Inaccuracies
If you have errors or inaccuracies on your credit report, it can have a significant negative impact on your credit score. Unfortunately, dealing with these errors can be a time-consuming and frustrating process that rarely has a positive outcome. However, SmartCredit’s ScoreBuilder® tool simplifies this process by allowing you to report inaccuracies and correspond directly with financial institutions by merely clicking SmartCredit’s unique and patented “Action” button.
The ScoreBuilder® streamlines the correspondence, making it easier for you to address errors on your credit report and improve your credit health. ScoreBuilder® not only saves you time but also gives you the peace of mind that comes from knowing your credit report is accurate.
- ScoreBoost™: Helps You Make Sound Financial Decisions
Planning your credit card spending and payments can be a game-changer when it comes to improving your credit score. With SmartCredit’s ScoreBoost™ tool, you can simulate how your financial decisions will impact your future credit score over time. This feature allows you to see the potential outcome of different spending and payment scenarios before you make them, helping you make more informed decisions.
For instance, if you’re considering making a large purchase on your credit card, ScoreBoost™ can show you how that purchase will affect your credit utilization and, in turn, your score. You can also see the impact of paying off a balance in full versus making the minimum payment. This predictive capability sets SmartCredit apart from other credit monitoring services and gives its users a significant advantage in managing their credit. ScoreBoost can also guide users in timing their payments to have the most positive effect on their scores.
Screenshot via SmartCredit
Money Manager Offers a Holistic Approach to Financial Management
One of the standout features of SmartCredit is its Money Manager. It allows you to manage all your financial accounts in one place, including bank accounts, credit cards, loans, and investments. This centralized view of your finances makes it easier to track your spending, manage debt, and make informed financial decisions.
Because it offers a comprehensive financial overview, SmartCredit helps its customers focus not only on their credit score but also on their overall financial health. This feature is particularly beneficial for those with multiple accounts and who find it challenging to track them all.
SmartCredit Safeguards Your Security and Financial Protection
In an age where data breaches and identity theft are all too common, security is a top concern for anyone using an online financial platform. SmartCredit takes this concern seriously, safeguarding your information with 128-bit encryption and daily security verification by independent third parties. If there is any suspicious activity on your account, you will be alerted, and SmartCredit can help you identify which websites might be exposing your private information.
Additionally, SmartCredit offers $1 Million Family Fraud Insurance, providing comprehensive financial protection for you and your household. This insurance ensures that your financial well-being is always protected, giving you one less thing to worry about as you focus on improving your credit.
How Much Does SmartCredit Cost?
Smart Credit offers two plans:
SmartCredit Basic Plan:
The Basic Plan costs $19.95 a month and includes access to their entire suite of features, as well as 5 actions per month.
SmartCredit’s Premium Plan:
The Premium Plan is $29.95 a month and includes access to their full suite of features, 20 actions per month, and one free 3-Bureau credit report per month.
Customer Testimonials
“My experience has been amazing so far! My credit score has jumped more than 100 points since joining. It provides an actionable process and so many different systems to take charge of your credit score.” Artis J
“It told me what credit card to pay for, when to pay it, and WHEN I could see my credit score increase! I would highly recommend this to anyone, and it’s very user-friendly and affordable.” A.M.
“My credit score went up 14 points within 2 weeks! Happy to also have monitoring and identity theft insurance in case someone tries to do fraud again on my credit. Highly recommend.” Sylvia C.
Final Verdict – SmartCredit’s Results Speak for Themselves
SmartCredit isn’t just another credit monitoring service—it’s a tool to help understand and control your financial future. By offering a holistic financial overview, a suite of unique tools like ScoreBoost™ and ScoreBuilder®, and a very secure platform, SmartCredit empowers you to take control of your credit and make informed financial decisions.
With SmartCredit, you don’t just see your credit score—you can manage and control it!
Written By: Lisa Fimberg
