The People First
Financial Platform^®

¹Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers' credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore^® v3.0 to FICO^® v8.0, verified by an official FICO^® v8.0 calculator. Our calculation is subject to change without notice.

²Calculation Methodology: Average score calculations are based on historical internal data from SmartCredit^® customers between Feb 2024-Feb 2025. The sample includes customers who started with a credit score below 580. Individual results may vary and are not guaranteed.

³FICO^® and “The score lenders use” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries. Although this product is named TheLendingScore, that is a general descriptor only and it is not to infer directly or indirectly, or be confused with, a lender who may choose to use another score for their lending decisions. Credit score calculated based on FICO^* Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether.