Monitor Your Credit
3-Bureau Report & Scores, Smart Credit Report® & Scores, and ongoing credit monitoring.
Three-bureau report availability depends on the applicable membership plan.
Better Credit USA
Education • Transparency • Empowerment
Better Credit Starts With Better Information
Your credit. Your information. Your future.
Better Credit USA helps you understand the information affecting your credit profile, stay informed, and make more confident financial decisions. Access your credit-monitoring tools and securely submit documents from one convenient client center.
Transparency matters to us.
Better Credit USA provides credit education, guidance, and client
support. We are not a credit bureau, and we do not control credit
scores or promise a specific score increase.
- Consumer-focused education
- Three-bureau credit information
- Clear third-party relationships
- Confidential document submission
Credit Monitoring Provided Through SmartCredit
Independent Provider
Better Credit USA works with SmartCredit as our credit monitoring partner. SmartCredit provides the monitoring platform, credit-report information, score tools, and available financial and identity-protection features.
Credit Monitoring Tools
Useful information without unnecessary complexity.
SmartCredit combines credit monitoring, score tools, financial resources, and available privacy features in one account.
Understand Your Scores
Future Score, ScoreTracker, ScoreBuilder®, ScoreBoost™, and Best Pay-Down Date tools.
Financial Tools
SmartCredit Actions, myLONA®, and Money Manager help organize financial information and support informed decisions.
Privacy & Protection
PrivacyMaster®, data-breach and dark-web monitoring, plus up to $1M fraud insurance with eligible memberships.
Insurance availability, activation, eligibility, limitations, and terms may apply.
Ready to access your credit information?
Get Started
Create your monitoring account and begin reviewing the information available through SmartCredit.
Know Your Credit Rights
Better Credit USA believes informed consumers are empowered consumers. Federal consumer-protection laws, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA), provide important rights and protections related to credit reporting and credit-repair services. Consumers may also access educational information and complaint resources through the Consumer Financial Protection Bureau (CFPB).
Better Credit USA is not affiliated with or endorsed by the CFPB, FTC, or any other government agency. References are provided for consumer education only.
Need to send documents to Better Credit USA?
Use Secure Document Upload for identification, proof of address, credit reports, creditor correspondence, account statements, and other supporting records requested for your case. Never submit account passwords, credit-monitoring passwords, or online banking credentials.
Better Credit USA provides credit education, guidance, and client support. Better Credit USA is not a credit bureau and does not guarantee specific credit-score increases or financial outcomes. Credit monitoring and related tools are provided by independent third-party providers and are subject to their current products, pricing, eligibility requirements, terms, and service availability. Credit scores may vary by scoring model and data source.