How it works

Pull your credit score today and know where you stand. Credit-Sweep powered by Smart Credit.

A credit report (sometimes referred to as a credit file) is a record of how you pay your credit cards, mortgages, auto loans, student loans and other liabilities. Credit reports are used by financial institutions, credit grantors, insurance companies, and utility providers to determine your credit and/or insurance worthiness. Some employers also use them as part of the employment screening processes. And finally, they’re used by collection agencies to assist with their debt collection efforts.

The biggest complaint most consumers have about credit reports is that they don’t understand them.Credit-Sweep has changed that with SmartCredit, you’ll find a revolutionary credit report that is easy to understand and view. It is a first-of-a-kind tool where you can search, sort and, best of all, take action. You’ll be able to see which negatives impact your credit score most and with the Action Button, you can take action directly with that creditor for anything you need.

About Score tracker

See all your different types of credit scores and see how they’re progressing.

Different Scores

Get an in-depth look at the different types of scores you have and see where you stand.


See how your scores change over time to get a better understanding.

About ScoreBuilder

A unique 120-day plan to help build yourself a better credit score.

Your Personal Plan

ScoreBuilder creates a personalized 120-day plan to help you understand what is hurting and helping your credit score, plus what actions you can take.

Take Action

View your negative accounts weighing down your score and take action to take care of them.