Transform your credit scores for better Mortgage & Auto Financing Rates

Need specific credit scores to qualify for certain rates?

ScoreNavigator's Target Score Simulator generates the fastest, easiest, and most cost-efficient way to achieve your goals.

Everything You Need to Change Your Scores in One Platform

ScoreNavigator's web-based platform offers unique simulator technology, financial tools and educational resources to help you achieve your credit goals.

The Complete
ScoreNavigator Experience
  • All 3 Credit Reports
  • All 3 Vantage® Credit Scores
  • Credit Monitoring (All Bureaus)
  • 3 Unique Simulators
  • Financial Tools
  • Educational Tools
$ 49.95 /mo
Don't want all of the features? Check out our other plans.
Make A Real Difference
Achieve your optimal credit scores

Reach your desired scores by following the step-by-step actions calculated by our Target Score Simulator.

Find out what's impacting your scores

Gain complete insight into which accounts are impacting you the most, thus eliminating all the guesswork.

Get a personalized action plan

See a complete overview of your credit status, activity and recommendations from one convenient dashboard.

Maximize your financial health

Utilize in-depth analysis, budgeting programs and other tools for a comprehensive financial strategy.

Eliminate The Guesswork

Our Point Deduction Technology® analyzes your credit data to identify where the impacts are placed on your credit file. The advanced simulator technology eliminates the guesswork while providing an easy-to-understand roadmap on the best ways to maximize your credit reports and scores.

The Road to Excellent Credit Doesn't Have to be Complex

As Seen On TV

Be our next success story

Optimize your credit and feel empowered to make smarter financial decisions.

"Amazing! In January I couldn't have gotten approved for a used auto loan, but with ScoreNavigator, by mid April I was able to buy my new car with a low interest rate. I thought it would take years for me to have a good credit score."

- Kerry H.

"I had a very good experience with Score Navigator who guided me on what I needed to do. I learned how to build my credit up through their educational content. I'm only 21 and already qualifying for a good rate on my car loan!"

- Stan S.

"ScoreNavigator has been helping me with my credit since 2014. I've been monitoring my credit scores during the whole process and seen drastic improvement since working with ScoreNavigator. I am stoked to see my score going up."

- David B.

"ScoreNavigator's Point Deductions and Recommendations helped me understand my credit report and scores better. Just got financed for my first home!"

- Mary W.

"I was new to credit before joining ScoreNavigator. I was pleasantly shocked my membership included a whole financial and credit education section. I followed their recommendations to establish credit and within 60 days I went from no score to a 680 score and climbing. I continue to use all the tools provided."

- Doris T.

"What a blessing having Identity Theft monitoring, alerts, and assistance available. I was able to instantly freeze my credit, fill out the proper paperwork, and get my credit back on track. I love this product!"

- J. Webb

Need More Convincing?

Don't waste time with the competition. See for yourself how we can help you maximize your score.

ScoreNavigator Others
Identity Theft Protection
Monitor your credit for Identity Theft 24/7 via your Portal, Text Messages, and E-Mail.
Full Credit File
Access to TransUnion, or all 3 Credit Bureaus together with Point Deduction Technology®.
Goal Setting
Financial and Credit Material to help you reach your goals.
Connect To Credit Bureaus and Creditors
Included Letters to Correspond with the Credit Bureaus and Creditors.
Privacy Guaranteed
We are not selling your data to third parties.
Financial Tools
Financial analysis and budgeting programs to help you maintain a healthy financial lifestyle.
Target Score Simulator®
Enter a target score and see how to achieve it. Best day to pull credit for financing.
Money Simulator
Enter a dollar amount to take the most economical approach to maximizing your score.
Manual Simulator
Allows you to simulate a specific change, such as increasing a credit limit or closing an account.
Short and Long Term Recommendations
Personalized Short and Long Term Recommendations are included in your Members Portal.
Personalized Action Plan
Learn when to make a payment and how much to pay.
Friends and Family Plans
Discounts available for friends and family members.
Better Business Bureau Accredited
A+ Rating with the Better Business Bureau.

Leverage Good Credit for Better

Mortgage & Auto Financing Rates