Smart Credit Announces a Patent Application Filing for its Employment Credit Score Technology, Company Provides Credit Report Help

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The Employment Credit Score helps consumers better understand how an employer may use their credit report to determine hiring, firing or promotion, states Smart Credit, a company that provides credit report help.

This chart shows how credit report information is used in calculating the Employment Credit Score.

More than ever employers are using credit reports to determine hiring, firing or a job promotion. Smart Credit's patent-pending Employment Credit Score helps consumers understand how an employer may judge their credit report.

Smart Credit™ today announced the recent filing of a patent application to secure intellectual property protection for its employment credit score technology (‘Employment Score’). The Employment Score is a credit score alternative developed by ConsumerDirect® for its service. It is designed to help consumers understand, in a simple score, how an employer may interpret their credit report. Approximately fifty percent of U.S. employers are viewing consumers credit reports to help in hiring, promotion and even firing decisions. The Employment Score uses credit report data to generate a score, rated 350-bad to 850-excellent, along with details on how employers may interpret their credit report. The Employment Score is included with Smart Credit membership at no additional charge.

“For the first time, consumers can better understand how an employer might judge their credit reports. It is a growing trend that employers are using credit reports as an aid in hiring; our Employment Score helps consumers prepare for job interviews,” said David B. Coulter, the founder and C.E.O. of Smart Credit, a company that provides credit report help.

This Employment Score is also tied to job listings showing applicants where there is a high likelihood that an employer may use one’s credit report in its hiring decision.

The Employment Score is connected to credit monitoring alerts and may change when certain elements of a credit report change. It uses certain stress weighted factors that Smart Credit believes are relevant to employers.

Please refer to the accompanying graphic showing the importance of each category in calculating the Employment Score

With the unfortunate fact that credit reports often contain incidents of identity theft as well as common errors, consumers can be handicapped when looking for a job. is designed to provide credit report help that assists consumers in controlling and protecting their credit, along with developing more positive credit behavior. Smart Credit’s action buttons are ideal for ensuring that consumers’ credit reports are the most accurate they can be. This may have a positive effect on the Employment Score, thereby increasing the chances of a positive employer review when that employer is investigating a person’s employment credit score.


ConsumerDirect® is the maker of the Smart Credit system and was founded in 2003. It is an employee-owned company pioneering innovative tools and applications for controlling ones credit and identity, offering all kinds of credit report help. is for every type of consumer with its innovative credit report, action buttons and applications.

Smart Credit also includes Always Active Complete Protection™ now with mobile Rapid Response as the premier identity protection service guarding both their credit and identity.

Smart Action™ buttons allow consumers to immediately address items on their credit report 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.

Over 350,000 people have subscribed to its services. For more information about Smart Credit or its new employment credit score offering, visit


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Ethan Taub
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