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The credit system was designed to be a complex and “strange piece of financial alchemy.” That is until ConsumerDirect came in and asked the right questions. As Steve Jobs said, “The people who are crazy enough to think they can change the world are the ones who do.” We at ConsumerDirect took that to heart, and we are doing our part to make understanding credit easy for everyone.
Using our 200+ years of combined credit industry experience, we show consumers exactly how their financial decisions impact their credit scores and how they can control that number to reach their financial goals. We put the control back into the consumer’s hands with patented technologies that are designed in an interactive and user-friendly way so people can easily access their financial information. Users can utilize these technologies through our SmartCredit, ScoreMaster, and Hogo products via a web browser or smartphone application, and businesses can employ these technologies through our SmartCredit Business360 and Privacy as a Service products.
SmartCredit®– the ultimate optimization of credit, money, and privacy. This impactful yet simple platform provides innovative tools to allow consumers effortless interaction with banks, creditors, and institutions to put the power back in their hands. With predictive score features and comprehensive analysis solutions, consumers can finally control their future credit scores.
ScoreMaster®– an innovative benefits platform that has been shown to create a positive workplace environment by giving employees the tools they need for financial stability. Our Employer–Sponsored Program and Voluntary Employee Sign–Up options are designed to boost morale, productivity, and retention in an organization.
Hogo®– a revolutionary new app that makes data privacy easy and fun so users can enjoy all the digital world’s benefits without worrying about identity theft. With innovative features like automated removal from people finder websites and free fraud insurance for recovery, users are empowered to take control of their online identities in an exciting way – by earning rewards!
Privacy as a Service – helps businesses protect customer data from unauthorized access by giving consumers a say in who sells their private information. With this data broker site removal service, consumers can see where their information is exposed and request removal of it directly in an organization’s existing platform.
SmartCredit Business360 – streamlines the lending process by providing credit reports, FICO scores, and soft inquiry pre-qualification tools so businesses can see if a prospect will be approved for a loan, and is designed to help turn declines into approvals.
By providing these services under one umbrella organization, ConsumerDirect is reimagining the credit score experience by making it easier for businesses and individuals alike to understand how credit scores work and master them. As we navigate an increasingly digital world where our personal data is more accessible than ever before, ConsumerDirect offers solutions that serve as invaluable resources for attaining and maintaining financial independence.