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Submission: On March 02 via api (March 2nd 2023, 2:37:32 am UTC) from RO — Scanned from DE

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<form class="acsb-form" data-acsb-search="form" enctype="multipart/form-data" action="#" method="POST"> <input type="text" tabindex="0" name="acsb_search" autocomplete="off" placeholder="Unclear content? Search in dictionary..."
    aria-label="Unclear content? Search in dictionary..."> <i class="acsbi-search"></i> <i class="acsbi-chevron_down"></i> </form>

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Use Website In a Screen-Reader Mode
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* Credit Report
* Credit Scores
* Credit Monitoring
* Identity Theft Insurance
* Dispute Credit Report
* Credit 101
* Debt 101
* Who's Looking
* Credit & Financial Glossary
* Blog

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* About Us
* FAQ
* Security

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Your privacy is important to us.
Please read our Privacy Policy to learn how we use cookies.

CONTROL YOUR FUTURE CREDIT SCORE!™

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GREAT FOR ANY TYPE OF CREDIT

SCORETRACKER

It is now easier than ever to track all your scores with simple charts or
in-depth information.

SCOREBUILDER®

See exactly what is helping or hurting your credit score. Get your 120-Day Plan
to a better score.

SCOREBOOST™

Get your best score before you apply for credit. See how your spending affects
your score.

PLUS YOUR MONEY, PRIVACY & INSURANCE

MONEY MANAGER

All your online banking in one place. Use action buttons to quickly ask
questions and resolve problems.

PRIVACY & FRAUD INSURANCE

PrivacyMaster® stops websites or data brokers from sharing or selling your
personal information.

Plus, you get $1 million identity fraud insurance for your whole family.

- Activation is required

ALERTS

Your mobile or email Alerts have action buttons to quickly ask questions and
resolve problems.

MEMBERSHIP SNAPSHOT

* ScoreTracker
* ScoreBuilder®
* ScoreBoost™
* Money Manager
* Smart Credit Report®
* $1 Million Fraud Insurance
* PrivacyMaster®

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19,95 $/mo

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GET CREDIT MONITORING AND YOUR 3B CREDIT REPORTS & SCORES

OUR ACTION BUTTONS CONNECT YOU

Plus 50,000 more

SEE WHAT PEOPLE ARE SAYING

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"I use the action button almost every day for my money and credit report. Thank
you for a simple tool!"

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"Thank you, it is very easy to use. I clicked on the action button to change my
address without having to call or write them."

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"I love being able to work on my credit score with ScoreBuilder®."

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"ScoreBoost™ is the coolest tool I have ever used. Plus, I love the Alerts with
Action buttons."

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HOT TOPICS OUR MEMBERS ARE INTERESTED IN

With the increased risk of identity theft and credit fraud, it's more important
than ever to know what's happening with your credit at all times. While
reviewing your full credit report throughout the year is a great way to stay on
top of your credit, your financial information needs all the protection you can
give it.

With a credit monitoring service you can trust, not only will you be able to
receive your credit reports and scores easily, you will also be notified if any
suspicious or unauthorized activity occurs on your credit report.

With SmartCredit®, our goal is to provide you with a simple platform for your
money and credit all in one place, and with innovative tools to help you rest
assured that your credit accounts are being monitored 24/7.

With tools such as ScoreTracker, ScoreBuilder®, and ScoreBoost™, it's now easier
than ever to track all your scores and see what's helping or hurting your credit
score. Also, use our Action buttons to communicate directly with your creditors,
so you can better control your future credit score.

Take a look at some of the innovative credit monitoring tools we offer.

CREDIT MONITORING & 3-BUREAU CREDIT REPORTS & SCORES

Your credit score is one of the most valuable financial tools you have in life.
With SmartCredit®'s credit monitoring services, you can insure yourself against
identity theft and track not only your credit reports, but your daily credit and
financial transactions as well.

Your credit report is like a report card of your entire financial history. With
SmartCredit®, you quickly receive your 3B credit reports & scores. Plus, we make
them easy to read, so you can regularly check their accuracy and better
understand your credit score!

IDENTITY FRAUD INSURANCE

With more than nine million Americans experiencing credit card fraud and
identity theft each year, the need for identity theft insurance grows every day.
Our $1 Million Family Fraud Insurance gives you peace of mind in the event that
you or a family member in your household become the victim of identity theft.

DISPUTE ERRORS ON YOUR CREDIT REPORTS

Disputing an error on your credit report can seem complicated to even the best
financial gurus, but it doesn't have to be. Our Action buttons do the hard work
for you so that all you have to do is select a reason for your dispute and wait
for a decision while our Action buttons take your communication directly to the
source. There has never been an easier way to dispute credit report
inaccuracies.

CHECK YOUR CREDIT SCORE

Your credit score plays a vital role in credit decisions and can open the door
to many opportunities. Enroll with SmartCredit® today and not only are you
provided with the different types of credit scores that exist, but also credit
score tools that allow you to take more control of your credit score.

DO REPORTS SHOW CREDIT SCORES?

Your credit report contains several pieces of crucial information, such as your
credit history, the different types of credit you have previously used, and for
how long, any outstanding debts you may have, and how frequently you made
payments on the agreed-upon due dates every month.

The data within your credit report is used by various lenders and creditors to
determine your financial responsibility, and whether or not you are a risk in
terms of extending credit.

Credit reports contain data from four main categories of personal and financial
information.

Personally Identifiable Information (PII): Refers to personal information that
can be used to identify you, such as your full name, current and previous
address, date of birth, and social security number.

Credit Accounts: Each credit account you have opened with various creditors and
lenders.

Credit Inquiries: Inquiries are a record of who has accessed you credit report
and on what date. Hard inquiries are made each time you apply for a new line of
credit, while soft inquiries are made each time you view your credit report.

Public Record and Collections: Refers to personal information such as
bankruptcies, debt collections, and any pending legal issues.

However, credit scores are not shown on your credit report because they
represent a different insight into your credit. Credit reports indicate your
credit activity, while credit scores reflect a calculation of your credit
activity.

WHAT IS CONSIDERED A GOOD CREDIT SCORE?

Credit scores are used by financial companies to help them determine if a
consumer has any potential risk in extending them credit. Most often, credit
scores are used by financial institutions, credit card companies, and car
dealerships to determine whether or not they should provide you with credit, and
what the terms, interest rate, and down payment of the credit will be.

Credit score calculations are placed into five categories between the ranges of
300-850:

* Poor: 579 or below
* Fair: 580-669
* Good: 670-739
* Very Good: 740-799
* Excellent: 800 or above

Generally, credit scores above 670 are considered good, and a credit score above
800 is considered to be an excellent credit score. Most consumers fall somewhere
between 600 to 750.

As mentioned, the benefit of having higher credit scores represent more
financial responsibility, thus providing creditors and lenders with more
confidence that you will be able to repay any future debts as agreed upon. Get a
credit report today and see where your credit score stands.

HOW DO I GET ALL THREE CREDIT REPORTS AND SCORES?

To find out precisely what is in your credit report, sign up with SmartCredit®
to easily receive and manage your 3-Bureau Report & Scores.

DO ALL THREE CREDIT REPORTS HAVE THE SAME INFORMATION?

The credit reporting agencies are responsible for maintaining your credit report
and providing the data to various creditors and lenders who request it. There
are three major credit reporting agencies.

* Equifax
* TransUnion
* Experian

However, information that is provided to each of the three credit bureaus may be
different due to the individual creditors furnishing your data. For example, one
credit bureau may have more or fewer inquiries than the other two, which could
potentially produce different looking credit reports.

Because of this, it's recommended that you request your credit report with each
of the three major bureaus so that you have a comprehensive look into your
financial standing, and quickly identify any difference that could potentially
be affecting it.

Monitoring your credit is tough to do on your own. Your SmartCredit® membership
provides you with the absolute best platform for your money, credit, and
identity all in one.

Get Started Now
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SMARTCREDIT®

For a better mobile experience, please use our App.

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Customer Service based in the United States

Customer Service based in the US

For Questions Call: (877) 372-3895

We're committed to providing you with the best possible customer service.

Available: Mon - Fri 8:00AM - 8:00PM EST
Sat - Sun 9:00AM - 6:00PM EST

* About Us
* Service Agreement
* Contact Us

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* Service Agreement
* Terms of Use
* Security
* Privacy Policy
* Advertisers & Agencies
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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.

ScoreBuilder® 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®.

English
Accessibility Adjustments
Reset Settings Statement Hide Interface

Choose the right accessibility profile for you
OFF ON
Seizure Safe Profile Clear flashes & reduces color
This profile enables epileptic and seizure prone users to browse safely by
eliminating the risk of seizures that result from flashing or blinking
animations and risky color combinations.
OFF ON
Vision Impaired Profile Enhances website's visuals
This profile adjusts the website, so that it is accessible to the majority of
visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract,
Glaucoma, and others.
OFF ON
ADHD Friendly Profile More focus & fewer distractions
This profile significantly reduces distractions, to help people with ADHD and
Neurodevelopmental disorders browse, read, and focus on the essential elements
of the website more easily.
OFF ON
Cognitive Disability Profile Assists with reading & focusing
This profile provides various assistive features to help users with cognitive
disabilities such as Autism, Dyslexia, CVA, and others, to focus on the
essential elements of the website more easily.
OFF ON
Keyboard Navigation (Motor) Use website with the keyboard
This profile enables motor-impaired persons to operate the website using the
keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such
as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics)
to jump to specific elements.

Note: This profile prompts automatically for keyboard users.
OFF ON
Blind Users (Screen Reader) Optimize website for screen-readers
This profile adjusts the website to be compatible with screen-readers such as
JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software that is
installed on the blind user’s computer and smartphone, and websites should
ensure compatibility with it.

Note: This profile prompts automatically to screen-readers.
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Accessibility StatementCompliance status

We firmly believe that the internet should be available and accessible to anyone
and are committed to providing a website that is accessible to the broadest
possible audience, regardless of ability.

To fulfill this, we aim to adhere as strictly as possible to the World Wide Web
Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA
level. These guidelines explain how to make web content accessible to people
with a wide array of disabilities. Complying with those guidelines helps us
ensure that the website is accessible to blind people, people with motor
impairments, visual impairment, cognitive disabilities, and more.

This website utilizes various technologies that are meant to make it as
accessible as possible at all times. We utilize an accessibility interface that
allows persons with specific disabilities to adjust the website’s UI (user
interface) and design it to their personal needs.

Additionally, the website utilizes an AI-based application that runs in the
background and optimizes its accessibility level constantly. This application
remediates the website’s HTML, adapts its functionality and behavior for
screen-readers used by blind users, and for keyboard functions used by
individuals with motor impairments.

If you wish to contact the website’s owner please use the website's form

Screen-reader and keyboard navigation

Our website implements the ARIA attributes (Accessible Rich Internet
Applications) technique, alongside various behavioral changes, to ensure blind
users visiting with screen-readers can read, comprehend, and enjoy the website’s
functions. As soon as a user with a screen-reader enters your site, they
immediately receive a prompt to enter the Screen-Reader Profile so they can
browse and operate your site effectively. Here’s how our website covers some of
the most important screen-reader requirements:

1. Screen-reader optimization: we run a process that learns the website’s
components from top to bottom, to ensure ongoing compliance even when
updating the website. In this process, we provide screen-readers with
meaningful data using the ARIA set of attributes. For example, we provide
accurate form labels; descriptions for actionable icons (social media icons,
search icons, cart icons, etc.); validation guidance for form inputs;
element roles such as buttons, menus, modal dialogues (popups), and others.

Additionally, the background process scans all of the website’s images. It
provides an accurate and meaningful image-object-recognition-based
description as an ALT (alternate text) tag for images that are not
described. It will also extract texts embedded within the image using an OCR
(optical character recognition) technology. To turn on screen-reader
adjustments at any time, users need only to press the Alt+1 keyboard
combination. Screen-reader users also get automatic announcements to turn
the Screen-reader mode on as soon as they enter the website.

These adjustments are compatible with popular screen readers such as JAWS,
NVDA, VoiceOver, and TalkBack.

2. Keyboard navigation optimization: The background process also adjusts the
website’s HTML and adds various behaviors using JavaScript code to make the
website operable by the keyboard. This includes the ability to navigate the
website using the Tab and Shift+Tab keys, operate dropdowns with the arrow
keys, close them with Esc, trigger buttons and links using the Enter key,
navigate between radio and checkbox elements using the arrow keys, and fill
them in with the Spacebar or Enter key.

Additionally, keyboard users will find content-skip menus available at any
time by clicking Alt+2, or as the first element of the site while navigating
with the keyboard. The background process also handles triggered popups by
moving the keyboard focus towards them as soon as they appear, not allowing
the focus to drift outside.

Users can also use shortcuts such as “M” (menus), “H” (headings), “F”
(forms), “B” (buttons), and “G” (graphics) to jump to specific elements.

Disability profiles supported on our website
* Epilepsy Safe Profile: this profile enables people with epilepsy to safely
use the website by eliminating the risk of seizures resulting from flashing
or blinking animations and risky color combinations.
* Vision Impaired Profile: this profile adjusts the website so that it is
accessible to the majority of visual impairments such as Degrading Eyesight,
Tunnel Vision, Cataract, Glaucoma, and others.
* Cognitive Disability Profile: this profile provides various assistive
features to help users with cognitive disabilities such as Autism, Dyslexia,
CVA, and others, to focus on the essential elements more easily.
* ADHD Friendly Profile: this profile significantly reduces distractions and
noise to help people with ADHD, and Neurodevelopmental disorders browse,
read, and focus on the essential elements more easily.
* Blind Users Profile (Screen-readers): this profile adjusts the website to be
compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A
screen-reader is installed on the blind user’s computer, and this site is
compatible with it.
* Keyboard Navigation Profile (Motor-Impaired): this profile enables
motor-impaired persons to operate the website using the keyboard Tab,
Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M”
(menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to
jump to specific elements.

Additional UI, design, and readability adjustments
1. Font adjustments – users can increase and decrease its size, change its
family (type), adjust the spacing, alignment, line height, and more.
2. Color adjustments – users can select various color contrast profiles such as
light, dark, inverted, and monochrome. Additionally, users can swap color
schemes of titles, texts, and backgrounds with over seven different coloring
options.
3. Animations – epileptic users can stop all running animations with the click
of a button. Animations controlled by the interface include videos, GIFs,
and CSS flashing transitions.
4. Content highlighting – users can choose to emphasize essential elements such
as links and titles. They can also choose to highlight focused or hovered
elements only.
5. Audio muting – users with hearing devices may experience headaches or other
issues due to automatic audio playing. This option lets users mute the
entire website instantly.
6. Cognitive disorders – we utilize a search engine linked to Wikipedia and
Wiktionary, allowing people with cognitive disorders to decipher meanings of
phrases, initials, slang, and others.
7. Additional functions – we allow users to change cursor color and size, use a
printing mode, enable a virtual keyboard, and many other functions.

Assistive technology and browser compatibility

We aim to support as many browsers and assistive technologies as possible, so
our users can choose the best fitting tools for them, with as few limitations as
possible. Therefore, we have worked very hard to be able to support all major
systems that comprise over 95% of the user market share, including Google
Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA
(screen readers), both for Windows and MAC users.

Notes, comments, and feedback

Despite our very best efforts to allow anybody to adjust the website to their
needs, there may still be pages or sections that are not fully accessible, are
in the process of becoming accessible, or are lacking an adequate technological
solution to make them accessible. Still, we are continually improving our
accessibility, adding, updating, improving its options and features, and
developing and adopting new technologies. All this is meant to reach the optimal
level of accessibility following technological advancements. If you wish to
contact the website’s owner, please use the website's form

Hide Accessibility Interface? Please note: If you choose to hide the
accessibility interface, you won't be able to see it anymore, unless you clear
your browsing history and data. Are you sure that you wish to hide the
interface?
Accept Cancel

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www.smartcredit.com Open in urlscan Pro 2606:4700:4400::ac40:90d9 Public Scan

Form analysis 1 forms found in the DOM

POST #

Text Content

www.smartcredit.com Open in urlscan Pro
2606:4700:4400::ac40:90d9 Public Scan

Form analysis
1 forms found in the DOM