Know Your Credit Before You Fix It.

We recommend SmartCredit for monitoring all three bureaus in one place — TransUnion, Equifax, and Experian — with score tracking, ID-theft alerts, and a what-if simulator. Spanish enrollment is available through SmartCredito with full 3-bureau reports and scores in Spanish.

Pricing and any current promotions are shown on ConsumerDirect's enrollment page. Cancel anytime from your member dashboard.

Disclosure: Material connection disclosure: Polanco Advisory Group LLC receives a referral commission from ConsumerDirect / SmartCredit when you subscribe through this link, at no additional cost to you. We only recommend tools we use ourselves. — FTC 16 CFR Part 255.

Why We Recommend This One

There are dozens of credit monitoring services. We recommend SmartCredit because it's the only one we've found with full Spanish enrollment, all 3 bureaus on a single dashboard, and a simulator that helps clients reason about a move before they make it. We use the same tool on our own credit and on the credit work we do with family. We don't recommend products we haven't tested ourselves.

What This Is NOT

• —Not credit repair. SmartCredit is a monitoring tool — it shows you the data, you decide what to do with it.
• —Not a score-increase promise. No tool can guarantee a specific number of points. We don't make those claims and you should be skeptical of anyone who does.
• —Not legal advice. If you have a dispute that's gone through two rounds without resolution, that's a conversation with a consumer-rights attorney, not a monitoring product.
• —Not a substitute for paying things down. The simulator is a planning tool. The score moves when the underlying behavior changes.

Already Have a Dispute to Send?

Pair monitoring with our free FCRA dispute letter library and our $97 letter-review service. Monitoring shows you what to dispute. The library shows you how to write it. The review service double-checks before you mail it.

Start with visibility. Decide later.

The first step of any credit plan is seeing what all three bureaus are reporting. Start there, decide later.

Material connection disclosure: Polanco Advisory Group LLC receives a referral commission from ConsumerDirect / SmartCredit when you subscribe through this link, at no additional cost to you. We only recommend tools we use ourselves. — FTC 16 CFR Part 255.