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.
Three steps to a better 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.
Pick a plan to reach your goal
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.
Everything 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 →