A Few Points Can
Change Everything.
Your rent has been building your credit every month. Now see exactly where you stand — and make sure every point is working for you.
We negotiated this rate exclusively for Piñata members. It won't last forever.
20–40 points.
A completely different tier.
Most people don't realize how much a small score difference affects what lenders offer them. The gap between "good" and "fair" credit can cost you thousands in interest over the life of a loan. You've been building — make sure you can see and protect every point.
undetected drop
See what lenders see
Full 3-bureau view — Equifax, Experian & TransUnion — the exact profile lenders pull when you apply.
Track every point
Watch your score move in real time across all three bureaus, not just one snapshot.
Dispute errors instantly
Built-in tools to act fast when something looks wrong — before it costs you an approval.
Real-time alerts
Know the moment anything changes on your report — or if anyone tries to misuse your identity.
Know exactly where you stand.
Before it matters.
SmartCredit® retails at $49.95/month.
Your Piñata member rate of $29.95 is exclusive and subject to change.