Our technology's so good it's patented
The fastest way to add points and get approved
Maximize your credit score, safeguard your privacy, and save money on loans — powered by SmartCredit®'s patented Build & Boost™ tools.
How Does the Plan Actually Raise Your Score?
A simple, guided path from where your credit is today to where you want it to be.
Add Points
Build & Boost™ your score and reach your future score using guided action buttons and tools.
Get the Loan
Apply with your best score. Use myLONA® to find the loan or financing that fits your goal.
Save Money
Live confidently — enjoy the savings of a better loan and keep your best score protected.
Which Plan Do You Get, and What Is In It?
Everything you need to add points, get approved, and protect your credit — for one simple monthly price.
- 3B Report & Scores from all 3 bureaus
- Unlimited Smart Credit Report® & Scores
- Future Score & Best Pay-Down Date
- ScoreTracker, ScoreBuilder® & ScoreBoost™
- myLONA® loan & financing offers
- Credit monitoring & suspicious-activity alerts
- $1M identity-theft fraud insurance
Cancel anytime. In partnership with SmartCredit® — The Credit Agents is a SmartCredit partner.
How Much Does Credit Building Cost Here?
Credit building through The Credit Agents is sold as a single SmartCredit plan: a 7-day trial, then $29.95 a month, with the report access, score-planning tools, loan matching and identity protection all bundled at that one price. There are no tiers and no setup fee to compare, so the only real question is what the $29.95 covers.
| What you are paying for | What it costs and what it covers |
|---|---|
| First 7 days | $0. The Build plan starts with a 7-day trial. |
| Monthly price after the trial | $29.95 a month, one flat price. There is only one plan, so there is no tier to upgrade to. |
| Commitment | Cancel anytime. |
| Credit report and score access | 3B Report and Scores from all three bureaus, plus unlimited Smart Credit Report and Scores. |
| Score planning tools | Future Score, Best Pay-Down Date, ScoreTracker, ScoreBuilder (a personalized 120-day action plan) and ScoreBoost. |
| Loan and card matching | myLONA offers for personal, auto and home loans, plus cards you are most likely to qualify for. |
| Monitoring and protection | Credit monitoring with suspicious-activity alerts, privacy tools, and $1M identity-theft fraud insurance. |
Prices shown are SmartCredit®'s published plan pricing. The Credit Agents is a SmartCredit partner and may earn a commission, at no extra cost to you.
What Tools Are Included in Your Toolkit?
Patented score tools, real loan offers, and full-time protection — all in one place.
Score Tools
- 3B Report & Scores — track and compare across all 3 credit bureaus
- Smart Credit Report® — view your report in a simple, innovative way
- Future Score — patented tech calculates your future score
- Best Pay-Down Date — pay down before your bank reports
- ScoreTracker — follow your journey across four scores
- ScoreBuilder® — a personalized 120-day action plan
- ScoreBoost™ — know how much to pay, and when
Loan Tools
- myLONA® Offers — apply confidently with offers matched to your credit
- Personal, auto & home loans — find the right financing for your goal
- Credit cards — see the cards you're most likely to qualify for
- Apply with your best score — time your application for approval
Protection Tools
- $1M Fraud Insurance — safeguard your family's financial future
- Credit monitoring — alerts for suspicious activity & changes
- Privacy tools — protect your identity and personal data
- Maintain your best score — stay protected long after approval
“My recent 21-point increase allowed me to get a rewards card for $7k that I was denied for a year prior.”
Ready to add points and get approved?
Start your 7-day trial and see the points you can add today.
Start Improving Credit →