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 * RAIBRO LLC
   
   
   SmartCredit® is a comprehensive credit and money management program that
   enables customers to better manage their finances.
   
   Learn More »

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   * Personal Loans
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   * Savings Accounts

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OUR TECHNOLOGY'S SO GOOD IT’S PATENTED


THE FASTEST WAY
TO ADD POINTS AND
GET APPROVED

Maximize your credit score and safeguard your privacy to qualify and save money
on your loans1

Sign UpWatch How it Works

$2.9 Billion in Interest Saved by 300,000+ Members
(~$8,800 saved per member)2



CREDIT SCORES & LOANS CAN BE STRESSFUL


WE MAKE IT
EASY WITH THE
RIGHT TOOLS AND LOANS

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Achieve your future credit score with our action buttons and tools3


GET THE LOAN

Apply with Your Best Score

Use our myLONA™ to get the loan or financing of your choice3


SAVE MONEY

Live Confidently

Enjoy the savings of a better loan and maintain your best score3

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PLUS, GET PRIVACY & FRAUD TOOLS TO PROTECT YOUR CREDIT SCORE


PLUS, GET PRIVACY & FRAUD TOOLS TO PROTECT YOUR CREDIT SCORE

Report Suspicious Spending

Track your spending habits, get alerted and report any suspicious transactions.

Protect Your Household

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Fraud Insurance.

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WHAT OUR MEMBERS SAY

Watch Member Testimonial

 1.  A M.
     
     SmartCredit member since 2021
     
     +112 Points
     
     "It told me what card to pay, when to pay it and also WHEN I could expect
     my score increase! I would highly recommend this to anyone it's very user
     friendly and very affordable."

 2.  Sylvia C.
     
     SmartCredit member since 2020
     
     +14 Points in 10 Days
     
     "My score went up 14 points within less than 2 weeks! Happy to also have
     monitoring and identity theft insurance in case someone tries to do fraud
     again on my credit. Highly recommended."

 3.  Kayla L.
     
     SmartCredit member since 2021
     
     +112 Points
     
     "I started at 485 and am now at 701! Preparing for the house purchase,
     establishing myself, and being able to get any line of credit I desire."

 4.  Troy G.
     
     SmartCredit member since 2018
     
     +198 Points
     
     "In 2 years - a 200 point increase. I took my first vacation in 15 years.
     My recent 21-point increase allowed me to get a Southwest rewards card for
     $7k that I was denied for a year prior."

 5.  Terry F.
     
     SmartCredit member since 2020
     
     +171 Points
     
     "My life has changed drastically, and my confidence level has gone up
     tremendously! I can walk into any dealership with confidence knowing that
     I'll walk away with a car."

 6.  Artis J.
     
     SmartCredit member since 2021
     
     +100 Points
     
     "My experience has been amazing so far! My credit has jumped more than 100+
     since joining. It provides an actionable process and so many different
     systems to take charge of your credit score."

 7.  A M.
     
     SmartCredit member since 2021
     
     +112 Points
     
     "It told me what card to pay, when to pay it and also WHEN I could expect
     my score increase! I would highly recommend this to anyone it's very user
     friendly and very affordable."

 8.  Sylvia C.
     
     SmartCredit member since 2020
     
     +14 Points in 10 Days
     
     "My score went up 14 points within less than 2 weeks! Happy to also have
     monitoring and identity theft insurance in case someone tries to do fraud
     again on my credit. Highly recommended."

 9.  Kayla L.
     
     SmartCredit member since 2021
     
     +112 Points
     
     "I started at 485 and am now at 701! Preparing for the house purchase,
     establishing myself, and being able to get any line of credit I desire."

 10. Troy G.
     
     SmartCredit member since 2018
     
     +198 Points
     
     "In 2 years - a 200 point increase. I took my first vacation in 15 years.
     My recent 21-point increase allowed me to get a Southwest rewards card for
     $7k that I was denied for a year prior."

 11. Terry F.
     
     SmartCredit member since 2020
     
     +171 Points
     
     "My life has changed drastically, and my confidence level has gone up
     tremendously! I can walk into any dealership with confidence knowing that
     I'll walk away with a car."

 12. Artis J.
     
     SmartCredit member since 2021
     
     +100 Points
     
     "My experience has been amazing so far! My credit has jumped more than 100+
     since joining. It provides an actionable process and so many different
     systems to take charge of your credit score."

 13. A M.
     
     SmartCredit member since 2021
     
     +112 Points
     
     "It told me what card to pay, when to pay it and also WHEN I could expect
     my score increase! I would highly recommend this to anyone it's very user
     friendly and very affordable."

 14. Sylvia C.
     
     SmartCredit member since 2020
     
     +14 Points in 10 Days
     
     "My score went up 14 points within less than 2 weeks! Happy to also have
     monitoring and identity theft insurance in case someone tries to do fraud
     again on my credit. Highly recommended."

 15. Kayla L.
     
     SmartCredit member since 2021
     
     +112 Points
     
     "I started at 485 and am now at 701! Preparing for the house purchase,
     establishing myself, and being able to get any line of credit I desire."

 16. Troy G.
     
     SmartCredit member since 2018
     
     +198 Points
     
     "In 2 years - a 200 point increase. I took my first vacation in 15 years.
     My recent 21-point increase allowed me to get a Southwest rewards card for
     $7k that I was denied for a year prior."

 17. Terry F.
     
     SmartCredit member since 2020
     
     +171 Points
     
     "My life has changed drastically, and my confidence level has gone up
     tremendously! I can walk into any dealership with confidence knowing that
     I'll walk away with a car."

 18. Artis J.
     
     SmartCredit member since 2021
     
     +100 Points
     
     "My experience has been amazing so far! My credit has jumped more than 100+
     since joining. It provides an actionable process and so many different
     systems to take charge of your credit score."

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PROTECTION TOOLS

Track all your credit cards, bank statements, and accounts in one place.


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IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points
shown or inferred are estimates only. Individual results may vary, and results
are not guaranteed.

1 The estimated calculation was obtained from the FICO® calculator to determine
savings from starting credit score to credit score before the above-mentioned
financing occurred. Our calculation is subject to change without notice.

ScoreBuilder is an individual communications tool using our patented Action
button where all requests taken by an individual are sent direct-to-creditor
customer service. ScoreBoost is a payment and spending simulation based on
credit utilization from TransUnion®, Experian® and Equifax®.