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SmartCredit Guide

Chapter 3

SmartCredit — Complete Guide

SmartCredit

is
the credit monitoring platform that Crowned Credit uses to access and review client credit reports. Every client signs up for their own SmartCreditcredit-reportmonitoringJSESSIONID
account,
and our team accesses it to pull reports, monitor progress, and import data into DisputeFox for dispute processing.

🚨 🚨 HARD RULE — NON-NEGOTIABLENEGOTIABLE: NEVER order, refresh, or buy a new credit report in any client's SmartCredit account. Ordering a new report costs the client money from their subscription. ONLY pull the existing/most recent report. This is read-only access. Violation of this rule is grounds for immediate removal from the role.

What SmartCredit Does

    Client credit monitoring service — clients sign up themselves at smartcredit.com/crownedcredit Provides 3-bureau credit reports (Equifax, Experian, TransUnion) and live credit scores Clients sign up through Crowned Credit's branded portal: smartcredit.com/crownedcredit Our teamDispute Team accesses client reportsaccounts to review progressreport data and plan disputes Clients use it to monitor their own credit progress between dispute rounds Preferred over MFSNMyFreeScoreNow (MyFreeScoreNow)MFSN) — SmartCredit provides higher data accuracy and better 3-bureau coverage

    SmartCredit

    vs

    MFSN Comparison

    FeatureSmartCreditMyFreeScoreNow (MFSN) 3-Bureau Coverage✅ Yes (with Premium)✅ Yes Data Accuracy⭐⭐⭐⭐⭐ Higher⭐⭐⭐ Good Client Portal✅ Clean, client-friendly⚠️ Less intuitive Branded Signup Page✅ smartcredit.com/crownedcredit❌ Generic Preferred by Crowned Credit✅ Yes — primary tool❌ Fallback only

    How Clients Sign Up

    Every new client must sign up for SmartCredit as part of their onboarding. This is initiated during the GHL onboarding sequence.

      Client receives the onboarding email with the SmartCredit signup link Client goes to: smartcredit.com/crownedcredit (Crowned Credit's branded signup page) CompletesClient completes registration with their real name, SSN,Social Security Number, and billing infoinformation SmartCredit sends a confirmation email to the client Client shares their SmartCredit login credentials with their CSR via a secure channel (as instructed during onboarding) CSR verifies 3Bthat 3-bureau monitoring is active before startingthe disputesDispute Team begins any work

      Basic vs Premium Plans

      PlanBureaus CoveredWhat We NeedAction if Client Has Basic Basic1 Ifbureau onlyNot sufficient for 3-bureau disputesAsk client has Basic plan, they may need to upgrade to Premium. Use the CSR upgrade script below. PremiumEquifax + Experian + TransUnion✅ Required for 3-bureauour access.full serviceNo action needed — proceed with onboarding.

      📞 CSR script:Upgrade Script:
      "To make sure we have everything we need to fight all 3 bureaus,bureaus canon your behalf, we'll need you to upgrade your SmartCredit plan to Premium?Premium. It gives us access to all three of your credit reports so we can dispute items across Equifax, Experian, and TransUnion simultaneously. Here's howthe link to do it:upgrade: [link]. It only takes a minute and will make a big difference in your results."

      How to Access a Client's Credit Report

      (JSESSIONID Flow)
      ⚠️ Session-Based Access

      SmartCredit uses session-based authentication.authentication — you log in directly as the client using their credentials. Each session is tied to a JSESSIONID cookie that identifies the active session.

      ⚠️ Session-Based Access: You must log in as the client usingto access their credentials. The JSESSIONID token in the cookie identifies the session.account. Do not share sessions across team members.members

      — each login creates a new session. Always use a private/incognito window.

      Step-by-Step: Accessing a Client Report

      1. Open a private/incognito browser window (Chrome: Ctrl+Shift+N / Mac: Cmd+Shift+N)
      2. Go to smartcredit.com
      3. Log in with the client's credentials (username +and password)password provided by the client during onboarding)
      4. Once logged in, you'reyou inare inside their SmartCredit account — you can now view their full credit report
      5. Navigate to the Credit Report tab in the navigation menu
      6. View the existing report — doDO NOT click any "Refresh" orRefresh," "Get New Report"Report," "Update Scores," or similar buttons
      7. ExtractReview the report data and extract the information needed for DisputeFox import
      8. LogWhen done: log out whenimmediately. done — neverNever save client credentials in your browserbrowser.

      🛑 🛑 STOP — Before You Click AnythingAnything:
      If you see a button that sayslabeled "Refresh Report",Report," "Get Latest Report",Report," "Update Scores",Scores," "Pull New Report," or anything similar — DO NOT CLICK IT. That action will charge the client.client from their subscription balance. Only use the data from the existing report already showndisplayed on screen.

      How

      to

      ReadingRead the Credit Report

      The SmartCredit report is divided into sections. Here's what to look for in each one:

      SectionWhat It ShowsWhat to Look For
      Credit ScoresScoresCurrent scores from all 3 bureaus (Equifax, Experian, TransUnion)Score per bureau, key score factorsfactors, affectingscore ratingtrend over time AccountsAll open and closed credit accountsNegative marks, lateLate payments, collections, charge-offs, incorrect balancesbalances, closed accounts still reporting negative InquiriesHardAll hard and soft credit pullsUnauthorized hard inquiries (can be disputed), excessive hard pulls in a short period Public RecordsBankruptcies, civil judgments, tax liensOutdated items (7-year/10-yearpast their reporting limits under(7 FCRA)years for most, 10 years for Chapter 7 bankruptcy) Personal InfoInformationName,Name address,variations, current and former addresses, employer historyInaccurate addresses or employername infovariations (that could indicate a mixed file or identity mix-up risk)issue

      What Each

      Credit Score Range Means

      Reference
      Score RangeCategoryImpactWhat onIt Means for Our Clients
      800–850ExceptionalBest available rates, highesteasiest approvalloan oddsapprovals — clients with this score rarely need our services 740–799Very GoodNear-best rates, easymost approvalslenders approve — goal range for clients we help 670–739GoodStandard rates, most approvalscredit products available — achievable for most of our clients in 6–12 months 580–669FairHigher interest rates, some rejections — where many clients are when they start 300–579PoorWorst rates, frequent rejections for credit and housing — wheremost mostof our clients start here

      What

      Items
      Are
      Disputable?
      Item TypeDisputable?Reason Late payments✅ YesIf inaccurate, not yours, or past the 7-year limit Collections✅ YesIf inaccurate, paid, settled, or not yours Charge-offs✅ YesIf inaccurate balance, wrong account info, or past 7 years Hard inquiries✅ YesIf unauthorized or unrecognized Bankruptcies⚠️ DifficultCan dispute inaccuracies; harder to remove if legitimate Accurate, recent negative items❌ Generally noBureaus will verify and maintain accurate information

      Monitoring Setup & Progress Tracking

      SmartCredit's monitoring feature alerts clients when there are changes to their credit report. This is useful for tracking dispute results in real time.

      Setting Up Monitoring Notifications for a Client

        Log into the client's SmartCredit account (incognito window) Go to Settings → Notifications Confirm that email alerts are turned ON for:
          New accounts opened Account derogatory updates Score changes New inquiries Verify the client's email address is correct — alerts go to the client's email Log out

          How to Track Client Progress Over Time

            Log in to the client's SmartCredit account at the start of each new dispute round Note the current score for each bureau and compare to the previous round's scores Record the updated scores in the client's DisputeFox profile and in their GHL contact notes Share progress updates with clients through GHL SMS or the onboarding communication sequence

            Troubleshooting

            IssueLikely CauseFix Can't log in with client credentialsPassword changed by client or incorrect credentials sharedContact the client to reset their password and reshare. Do NOT attempt to reset it yourself. Only 1 bureau showing (not 3)Client is on Basic planAsk client to upgrade to Premium. Use the upgrade script above. Report is very old / not updatedReport hasn't refreshed since a past roundCheck the report date. If within current round window, use existing data. Do NOT order a new report. Account shows "suspended" or "on hold"Client's SmartCredit subscription payment failedNotify the client that they need to update their billing information with SmartCredit directly. Wrong client account accessedLogged into previous client's session still active in browserAlways use incognito mode. Log out immediately when finished. Never use the same browser window for multiple client sessions.

            Key Rules Summary

              🚫 NEVER order a new report — it costs the client money. 🔒 Always use incognito mode — never save client credentials in the browser. 👤 One session per team member — do not share sessions. 📊 Log out immediately after you are done accessing a client's account. 📝 Update DisputeFox and GHL notes with score data after every review. 📞 Client must upgrade to Premium before full 3-bureau dispute work begins.
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