Get the Credit Approval You Deserve—Fast, with SmartCredit
Instantly track and improve your credit scores with 3-bureau monitoring and customized action plans that get real results. Take control of your financial future today.
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Tired of Missing Out on Approvals?
64%
Denial Rate
Americans denied credit due to low scores
$10B+
Annual Cost
Consumer losses from reporting errors
6+
Months Impact
How long small mistakes affect approvals
Don't let credit issues hold you back from life's biggest moments. SmartCredit helps you overcome obstacles and achieve the approvals you deserve.
How SmartCredit Gives You the Edge
Real-Time Insights
See exactly what's helping or hurting your score as it happens with our intuitive dashboard.
Direct Action
Our patented system takes immediate action with your creditors online, eliminating wait times.
Personalized Plan
Follow your customized 120-day improvement roadmap with specific steps tailored to your situation.
Stop wondering what's affecting your credit and start making strategic improvements with guidance that works.
Score Tools That Drive Results
ScoreTracker
Monitor all three bureau scores with simple, clear visuals that highlight changes and opportunities.
ScoreBuilder®
Follow your custom 120-day plan with actionable steps designed for rapid score improvement.
ScoreBoost™
Discover spending strategies that unlock hidden credit points using our proprietary data science.
Action Buttons
Address reporting errors or fraud instantly, directly from your personalized dashboard.
All-in-One Credit Protection & Monitoring
3-Bureau Reports
Access TransUnion, Equifax, and Experian reports in one convenient location.
Real-Time Alerts
Receive instant notifications about score changes, inquiries, or suspicious activity.
PrivacyMaster®
Scan for exposed personal information and remove it with a single swipe.
Fraud Protection
$1 million ID fraud insurance included for your entire family's peace of mind.
Get Approved—and Save Thousands
Following your SmartCredit 120-day plan doesn't just increase approval rates—it can save you thousands in interest costs by qualifying you for better rates on mortgages, auto loans, and credit cards.
Real Results, Real People
Jenna, Chicago
"Raised my score by 104 points in 3 months—finally approved for my home! The step-by-step plan made it so easy to know exactly what to do."
Marco, Houston
"Found and fixed two errors holding me back from getting a credit card. The Action Buttons made it simple to dispute them right from my dashboard."
The Johnsons, Seattle
"Saved over $15,000 on our mortgage after following the 120-day plan. The investment in SmartCredit paid for itself hundreds of times over!"
Start Today—Your Approval Awaits
How much does SmartCredit cost?
SmartCredit offers transparent monthly pricing with a free trial for new members. Our most popular plan is just $29.99/month with no hidden fees and you can cancel anytime.
How quickly will I see results?
Many members see initial score improvements within the first 30 days. Our 120-day plan is designed to maximize your score improvement over time, with some members reporting increases of 100+ points.
Is my information secure?
Absolutely. SmartCredit uses bank-level encryption and security protocols to ensure your personal and financial information remains completely protected at all times.