Announcing a New Way to Build Credit: Smart Credit Launches Jean Chatzky Score Builder App

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The new application allows consumers to build credit in just 120 days and improve their credit score.

The Jean Chatzky Score Builder App from SmartCredit.com

The Jean Chatzky Score Builder app is designed to help all types of consumers achieve better credit in 120 days.

Smart Credit™ recently announced a new way to build credit with the launch of its Jean Chatzky Score Builder application (‘app’), an app recently featured at the FinovateSpring 2010 conference in San Francisco, CA. Score Builder was developed in partnership with nationally-recognized personal finance expert Jean Chatzky. This app is designed to help all types of consumers achieve better credit in 120 days. It’s a personalized step-by-step program with action buttons, compressive help and videos of Jean guiding consumers to a credit score goal. In a tough competitive environment, SmartCredit.com was chosen by Finovate to present its innovative service with the Score Builder app. Other innovative companies selected to present include mint.com, bill.com and visa.com.

“The Jean Chatzky Score Builder app was selected for presentation at FinovateSpring 2010 because it is uniquely designed to help consumers of all types understand their credit and more importantly control it with the simple push of a button”, said David B. Coulter the founder and C.E.O. of SmartCredit.com, “We are very excited about our partnership with Jean Chatzky. She is America’s trusted voice for personal finance.”

Taking control of credit scores:

In recent years, Americans have become increasingly aware of their credit report and the important role a credit score can have in their daily lives. Jean Chatzky wants consumers to take responsibility for controlling and improving their credit scores. The Jean Chatzky Score Builder, an app exclusively with SmartCredit.com, is a personalized step-by-step program designed to help them on this quest. “Consumers understand that their credit score matters whether they’re applying for a mortgage, renting an apartment, buying auto insurance or looking for a job. Yet, they’re not sure how to improve them – and dealing directly with their creditors is often very difficult,” said Jean Chatzky, an expert on how to build credit.

Score Builder starts by helping consumers make sense of credit scores. With Jean as the ever-present guide, users are given an explanation of the positives and negatives driving their individual scores, and advice on how to improve the negative items one-by-one. Score Builder then facilitates Smart Actions™—explicit steps users can take to remove or counteract the negatives—and tracks the status of these actions by interfacing directly with creditors. This direct contact with creditors makes Score Builder particularly effective in updating incorrect consumer information, since creditors typically quickly inform the credit bureaus of changes they make to consumers records. By following the action steps Score Builder provides, the typical user will see his credit score improve in just 120 days.

The JeanChatzky Score Builder app is now available to all SmartCredit.com members for no additional fee; non-members may also use Score Builder along with the rest of SmartCredit.com services on a 5-day free trial basis before committing to membership. Score Builder will soon be available as a stand-alone program that gives purchasers full access to the SmartCredit.com capabilities for a fixed 120 day membership.

Benefit for Strategic Partners:

Lenders and financial institutions can use SmartCredit.com and the Jean Chatzky Score Builder app to get their prospects, customers and credit declines to achieve better credit health and build credit. Partners get a co-branded version of SmartCredit.com along with their own custom app. They can set their own credit triggers to display qualified ads and receive notices when individuals get better credit by using SmartCredit.com and the Jean Chatzky Score Builder app. These capabilities can lead to more business and on more favorable terms for the consumer. Partners can also subsidize Smart Credit membership fees for their customers or prospects.

About Jean Chatzky:
Jean Chatzky, an award-winning journalist, bestselling author, and nationally recognized television personality, has created a global platform that is making significant strides in helping millions of men and women battle an epidemic with a devastating impact—debt. Chatzky is a contributing editor for More magazine, and a columnist for the New York Daily News. She’s also the author of numerous bestselling books including Money 911, Pay It Down! and Make Money, Not Excuses. As one of America’s foremost authorities on personal finance, Jean has appeared on Morning Joe, Oprah, The View, Larry King Live, Sesame Street and numerous other television programs. For more information about Jean Chatzky, visit http://www.jeanchatzky.com .

About SmartCredit.com™:
ConsumerDirect® is the maker of the Smart Credit system and was founded in 2003. It is an employee-owned company pioneering innovations, buttons and apps designed to get consumers to take action. No matter their credit situation or lifestyle, SmartCredit.com is for all Americans with its easy to use credit report, action buttons and apps.

Smart Action™ buttons allow consumers to immediate address items on their credit reports that may impact their credit score or benefit their finances.

These action buttons allow members to get better interest rates or ask their creditor anything. There is no need for making phone calls, writing letters or looking up account numbers. They can also fix credit report errors, get goodwill corrections, recover from identity theft, replace a lost or stolen credit card or settle a debt all directly with their creditors. It took years for Smart Credit to build its network of over 36,000 creditors, collection agencies and financial institutions making its Smart Action buttons the premier way of effectively communicating with creditors.

Smart Credit also includes its Always Active Complete Protection™ as the premier way consumers can guard against credit and identity theft.

New members to SmartCredit.com can take advantage of a minimum 5-day unrestricted free-trial, before they become members.

Over 350,000 people have subscribed to its services. For more information about Smart Credit, visit smartcredit.com, and learn how you can to build credit today.

Press Contact:
Ethan Taub
Phone: 714-431-0005 ext 205

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Ethan Taub
ConsumerDirect(r)
714-431-0005 ext. 205
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