Welcome to Credit Repair Hub

Unlock financial freedom with the CreditSmart Add-On! For just $29.99/month, supercharge your financial journey with exclusive tools and benefits designed to boost your credit and save you money. Here’s what you get:

Real-Time Credit Monitoring: Stay on top of your credit score with instant updates and personalized insights to improve it.

Smart Budgeting Tools: Access easy-to-use features to track spending, set savings goals, and optimize your financial habits.

Exclusive Discounts: Enjoy special offers on loans, credit cards, and financial services from our trusted partners.

Credit repair

Smart Credits offers fast, reliable credit repair services to boost your score and financial future. Our expert team disputes inaccuracies, negotiates with creditors, and provides personalized strategies to remove negative items from your credit report. Affordable, transparent, and results-driven—start your journey to better credit today!

Monitor credit

SmartCredit’s credit monitoring service continuously tracks your credit reports from Experian, Equifax, and TransUnion for changes, such as new accounts, inquiries, or potential errors, to help detect fraud or identity theft early. It provides real-time alerts for key changes, like increased credit card balances or new applications, and includes tools like ScoreTracker to monitor your credit score progress. The service also features Action Buttons, allowing you to dispute inaccuracies directly with creditors. Unlike traditional credit repair, SmartCredit emphasizes user-driven management and education, not claiming to “fix” credit but empowering you to address issues independently.

Streamline finances

SmartCredit simplifies personal finance by integrating credit monitoring, money management, and identity protection. It provides real-time credit scores and reports from all three bureaus, with tools like ScoreTracker and ScoreBuilder® to boost credit health. The Money Manager consolidates banking, credit, and investment accounts for easy tracking and quick action on issues. PrivacyMaster® secures personal data, backed by $1 million fraud insurance. Custom alerts keep users informed, streamlining financial control with clarity and efficiency.

About Us

SmartCredit, developed by ConsumerDirect, Inc., is a leading financial platform dedicated to empowering individuals to take control of their credit, money, and identity since 2003. Our mission is to simplify financial management by providing patented online tools that allow users to directly communicate with creditors, track credit scores, and protect their financial well-being. With features like ScoreTracker, ScoreBuilder®, ScoreBoost™, and PrivacyMaster®, SmartCredit offers personalized plans to improve credit scores, safeguard personal information, and optimize financial decisions. Based in Irvine, California, we strive to make financial literacy accessible, helping users unlock their full financial potential with transparency and ease.

Mission.

At SmartCredit, we empower individuals to master their financial future by providing innovative, user-friendly tools for credit management, identity protection, and financial growth. Since 2003, our commitment is to simplify financial literacy, enabling confident decision-making and unlocking limitless possibilities for our users.

Vision.

At SmartCredit, we envision a world where financial empowerment is accessible to all, driven by innovative technology that simplifies credit management and identity protection. Our goal is to transform financial literacy by providing intuitive tools that enable everyone to confidently shape their financial future, secure better opportunities, and achieve their dreams with ease and transparency