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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


Instead of waiting on hold or mailing letters, you can send inquiries and
resolve inaccuracies with Action buttons directly with creditors. We have
compiled lists of common reasons and suggested language which you can feel free
to use or come up with your own. There has bever been an easier way to address
factors affecting your credit score.

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.

Sign up with SmartCredit® to get your credit report and to start controlling
your future credit score today!

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.

Sign up to find out how you can start controlling our future credit score today!

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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®.