Signup today and try it risk free with our 30-day satisfaction guarantee. You'll love it and use it every day!We build consumer technologies combining money, credit and identity. We also build business solutions including co-brands and private labels.
Here are a few technologies we are the pioneers in:
► Direct-to-creditor technology:
We are the first in direct-to-creditor technology where consumers can ask their creditors anything about their money, credit or identity with the simple push of an Action button. This is the best alternative for consumers to communicate with their creditors instead of writing letters, haggling over the phone during creditor business hours, locating their account numbers or billing statements. Our technology connects consumers to over 36,000 creditors, banks, collection agencies, public utilities and other financial institutions.
► Money and Credit Report Data integration.
We built the first integration of money and credit report data. This has been a 30 year problem we solved by allowing consumers to see their individual transactions underlying summary credit data reported by creditors to credit reporting agencies.
In doing this we solved the difficult problem of linking credit report accounts to online accounts. We make it easy by showing members which online accounts they can immediately link to their credit report accounts. Then all their transactions, statements, payments due, etc. automatically appear in their Money Manager section and also integrated in to their Smart Credit Report.
► Hiring Risk Index
We built the first hiring risk index so consumers can have a better idea of what to expect if an employer uses their credit report information in hiring or promotion.
► Rapid Response
We build the first real-time identity theft rapid response Action button for mobile phones. If an identity thief applies for credit in your name, you instantly get an Alert with a rapid response Action button to stop it without the need to log in to your account.
► All-in-one Alerts
Getting Alerts from one source is a huge benefit for consumers. We are the first to integrated money, credit, and identity Alerts, along with creditor response Alerts to your Action requests. You can even set the frequency of Alerts if you like.
Here are some Alert highlights:
- Bank account transactions- Credit card transactions- ATM use - Change in your investment accounts- Payments due and when payments have been posted to your accounts.- When someone is applying for new credit in your name.- Credit Score changes.- Credit Report changes.- Misuse of your name, address, social security, date of birth, etc.- Creditor responses to your Alerts.
► Credit Score What If Calculator
We build the first multi-faceted way to understand how your credit score works and what impacts it when you get credit, spend money, make payments or fail to make payments. This has been a huge consumer need for a long time.
The Result
We have removed the mysteries and confusion of money, credit and identity by making it simple and interactive. With all this in one place, the result is consumers are empowered to manage and protect their financial life by themselves. vOur technology also eliminates the need for things like credit repair services or subscribing to multiple products.
