Credit Nanny
Full-featured credit monitoring powered by SmartCredit. Every payment reports to all 3 bureaus as an installment loan.
The most comprehensive option for serious credit improvement.
Credit Nanny gives you advanced credit-building tools alongside full 3-bureau monitoring. Every monthly payment reports as an installment loan — building your payment history, credit mix, and account age simultaneously.
$39.99/mo
What's Included
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3-Bureau Credit Monitoring
Real-time alerts from Equifax, Experian & TransUnion
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ScoreTracker & ScoreBuilder
Track your progress and get personalized improvement steps
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ScoreBoost Technology
Advanced tools to accelerate your credit improvement
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Money Manager
Manage your finances in one place
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10 Action Sets
Actionable steps to improve your credit score
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$1M Fraud Insurance
Identity theft protection with up to $1 million coverage
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Reports to All 3 Bureaus
Every payment builds your credit history
How Credit Nanny Builds Your Credit
Your monthly payments impact three major credit score factors at once.
Payment History
The biggest factor in your credit score. Every on-time payment is reported.
Credit Mix
Adds an installment loan to your credit profile, diversifying your mix.
Account Age
Longer terms build a longer positive credit history.
These percentages represent credit score factor weights, not guaranteed score increases.
Ready to start building your credit?
No interest. No fees. No credit check. Choose your plan and get started.
Choose Your Plan