Take Control of
Your Credit Future.
See your 3-bureau scores, catch identity theft early, and build the credit you deserve — all in one place.
Join thousands monitoring their credit today.
How It Works
Three simple steps. Built to fit into your real life.
Start Your Trial
Create your account in under 2 minutes and unlock full access to your credit scores, reports, and monitoring tools.
View Your 3-Bureau Scores
See your credit scores and reports from Equifax, TransUnion, and Experian.
Monitor & Protect
Get real-time alerts, dispute tools, and up to $1M of identity fraud insurance.
Everything You Need to Stay in Control
Tools built for clarity, not confusion.
3-Bureau Credit Scores
See Equifax, TransUnion, and Experian scores in one dashboard.
Real-Time Alerts
Get notified the moment something changes on your report.
Identity Theft Protection
We watch for suspicious activity so you don't have to.
Credit Report Access
Review your full credit report and spot errors fast.
ScoreBuilder Plan
A personalized 120-day plan to improve your credit.
Dispute Assistance
Know what to dispute and how to do it.
Real People. Real Wins.
"SmartCredit gave me the tools I needed. I'm now closing on a house."
Sergio V.
Verified Member, Trustpilot
"My score increased 50+ points. The platform walks you through exactly what to do."
Pattra
Verified Member, Trustpilot
"I broke 700 for the first time in years. It also helped wipe my info from dozens of sites."
Verified App Store Member
App Store
Frequently Asked Questions
Start Protecting Your Credit Today
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