Features and Benefits

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.

Money Manager (Initiate Actions Here): Manage all your online accounts in one place. We track and update your account statements, payments due and transactions every day. Use action buttons to ask questions and resolve problems.

  • We Find Your Accounts For You: We automatically find your online accounts making it easy to add to Money Manager. No guessing or searching.
  • Daily Updates: Your transactions, instant statements, and trends are updated every 24 hours.
  • Transaction Monitoring Alerts have Action Buttons: Verify transactions are yours and not theft. Stop theft with the action button.
  • Other Benefits: Receive Alerts when payments are due. Easily plan your budget and spending. Your transactions are integrated with your Smart Credit Report® for the complete picture.
  • Easily Take Action: Ask your bank or credit card company anything with a click of a button.

Alerts and Actions: Use the action button in your Alerts to quickly react to identity theft.

  • What You Can Do With A Button: Easily take action to ask your bank or credit card company anything with a click of a button.
    • Quickly inform your bank or creditor of an unauthorized transaction.
    • Quickly respond to an unauthorized account activated in your name.
    • No filling out lengthy police affidavits or forms.
    • Avoid a lengthy bank or creditor process.
    • No transfers to third party credit repair organizations.
    • No lengthy phone calls or writing letters.

~ Unlimited Actions through the PRO Plus Plan

Smart Reports and Scores (Initiate Actions Here): Easier to read than the traditional credit report and linked to other features for a total smart credit experience. ~ Unlimited access through PRO Plus Plan

  • A new and innovative way to display your credit report:
    • It is horizontal with a quick slide navigation system and it allows you to interact directly with your creditors by using Action buttons.
    • It also has a zoom feature to see more credit details along with your daily transactions that ultimately comprise the information reported by a credit reporting agency.
    • To receive the maximum benefit of your Smart Report make sure to add all your online banking accounts to Money Manager.

3B Report & Scores: A complete, easy to read, tri merge (3B) Credit Report including Equifax, TransUnion, and Experian. And if you have any negative accounts to repair, select the PRO Plus Plan and link your 3B Report to the The Dispute Wizard. The Dispute Wizard offers a fully customizable, and easy to follow Dispute Plan, developed through AI and machine learning for the most comprehensive DIY Credit Repair solution available today!

$ 1 Million Fraud Insurance ~ Activation is required

  • Zero Deductible.
  • Covers your entire family residing in your household.
  • Covers your Bank, Savings, Brokerage, Lines of Credit, Credit Card, and more.
  • Covers your cash out of pocket expenses incurred in your ID recovery.
  • Covers your Credit Reports.
  • Covers pre-existing Identity Fraud you didn’t know about.
  • Replacement cost due to stolen Driver’s License or Passport. 

Privacy Master

  • Instruct websites & data brokers to remove your info from their website.
  • Though your information may be removed from a site, it could reappear.
  • Get alerted when your data has been removed, and if it reappears again in the future.