Startup Credit Repair Business

SmartCredit® Gives You Simplicity

The best platform. Period.

ScoreTracker, ScoreBuilder™ and ScoreMaster® revolutionize the way consumers use their money and credit. Get our co-brand or white label platform to empower your consumers while providing your business with extensive opt-in data and increased revenue.

For Your Consumers

  • ScoreTracker
    Includes their different types of credit scores and how they are progressing.
  • ScoreBuilder™
    What is helping or hurting their credit scores. Includes a unique 120-day plan to a better score.
  • ScoreMaster®
    Helps them make the best payment and spending choices.

For Your Business

  • Co-Brand or White Label
    Enhance your service offerings with our world-class financial platform.
  • Data
    Get a vast amount of real-time, opt-in consumer data to make the right decisions at the right time.
  • Revenue
    Increase your revenue in new and creative ways with flexible options.

For Consumers

Money and Credit Made Simple

Your consumers get three powerful tools, plus other important money and credit features to simplify their financial lives, all in one place.

Score Tracker

Your consumers will appreciate seeing their different types of credit scores and how they’re progressing in an easy to understand way. Includes simple SMS and Email alerts of key changes to a credit report and score.

Score BuilderTM

Your consumers get a unique 120-day plan to help build a better credit score. Patented Action Buttons allow your consumers to quickly ask questions or resolve problems directly with the source.

Score Master®

This tool allows your consumers to plan their future credit score based on spending or payments. Identifies specific accounts, amounts, and timing for payments and spending to maximize a credit score.

For Your Business

Make More Money

SmartCredit® is a platform for you to launch your profits from. By providing greater value to your customers, in addition to robust business assets, your business will grow.

Get the Data You Need

Understand your consumers like never before with real-time opt-in data. Receive push emails and import raw data through our API & Platform Web Services. Pull large volumes of consumer data and custom reports safely and securely from our reporting system.

Increase Your Revenue

Provide higher value to your consumers with a larger feature set. Prolonging the Life Time Value of your product will increase your revenue over time and create a steady flow of profit from a stable and growing consumer base.

Provided to Your Business

  • Flexible revenue sharing B2B partnerships*.
  • Residual earnings with active enrollments
  • Signup API
  • Reporting API
  • Reliable and helpful partner support
  • SmartCredit’s® CRM & Reporting platform:
  • Daily customer score increase alerts
  • Detailed customer enrollment data
  • Customer account status updates (close refunds/reactivations)
  • Customer payment management
  • Customer password resets

Business to Business Partnerships

SmartCredit® Features

Smart Credit Report®

A simple and innovative way to view your credit report. SmartCredit® utilizes the Vantage 3.0 score with a range of 300 – 850, the most comparable to traditional FICO scores.

3 Bureau Report & Scores

Available in certain plans and as an additional purchase.

Score Tracker

In addition to your Vantage 3.0 score, SmartCredit® also calculates and tracks automotive, insurance and employment scores. See all your different types of credit scores and how they’re progressing.

Score BuilderTM

A unique 120-day plan to help build yourself a better credit score.

Score Master®

Interact with the moveable slider to see how paying down balances or spending on credit cards impacts your credit score.

Money Manager

Manage all your online accounts in one place. We track and update your account statements, payments due, and daily transactions.

Co-Brand Fixed Payout Program

Partner with ConsumerDirect® and we will build you a co-branded SmartCredit® website personalized with your logo and special messaging. Direct customers to your site to enroll.

How It Works for You

  • Earn the respective monthly planpayout when your customers enroll at the plan price you choose from Plan A, B, or C
  • Earn extra money on additional 3-Bureau Reports & Score sales
  • Control your customer base and experience with full access to our partner portal, Support Link

How It Works For The Customer

  • Customer goes to your co-branded site at
  • At enrollment, customer chooses between a Basic or Premium plan
  • Customer is provided with access to their reports and scores, ScoreTracker, ScoreBuilder & ScoreMaster®, along with other important features and tools

Plan Prices

  • Plan A Retail Price
  • Plan B Retail Price
  • Plan C Retail Price


  • $9.95
  • $7.95
  • $6.95


  • $19.95
  • $17.95
  • $12.95


  • $29.95
  • $24.95
  • $19.95

Plan Payouts

  • Plan A
  • Plan B
  • Plan C
  • Additional 3-Bureau Report & Scores Payout


  • $4.00
  • $3.00
  • $2.50
  • $3.50


  • $8.00
  • $7.00
  • $4.50
  • $3.50


  • $12.25
  • $8.50
  • $5.00
  • $3.50

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