Benefits of Healthy Financial
and Credit Habits

You don't necessarily have to work hard all the time. Instead, work smart. By being financially and credit savvy, you can:

  • Spend more time with your family
  • Experience less stress and anxiety
  • Focusing on what's really important in your life
  • Have the opportunity to really live your life the way you want

The sky's the limit! It all starts with you and it starts now!

Enter Target Score


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Complete Financial and Credit Education System that Gives the Power Back to the People.

We'll help you identify the accounts that are hurting you, and then guide you on how to get those points back!

Worthy Bonds
Manage Your Credit

Great Analytics with Real Solutions

While having good intentions or big dreams is great, it isn't enough. To fully realize your vision for your life, you should map out a plan to make that happen. This includes setting credit goals that support your values and priorities.

Your financial goals need to be meaningful, relevant and aligned with your values. To stay on track with your financial targets, you'll also want to create both short-term and long-term goals. Short-term financial goals are easier to achieve. They can help you reach your long-term goals.

  • Set Goals so you can manage your progress
  • See how you compare to others in your score range.

Empower Yourself with Financial Literacy and
Credit Education with our Innovative Tools

ScoreNavigator has everything you need to make sense of and improve your financial standing. From credit score report services and Point Deduction Technology® to personalized financial calculators and professional advice, we have it all. Enroll today to get all the benefits!

Not-Your-Average Credit Report

Easy-to-read, organized credit data which includes your Point Deductions (the amount of points you are losing per account).

Customized Action Plan

Our 3 powerful simulators will generate a plan for you on how to get your points back and how certain actions will affect your scores.

Credit Alerts

Know exactly when to pay your credit cards, when to charge them, what balances to keep them under, and changes in your balance ratio.

Budgeting Tool

Having healthy budgeting habits is the prerequisite to credit success. Plug in your income and expenses, and see where you can make the necessary changes.

One-of-a-Kind Calculators

Pay off your car, credit cards, and loans strategically by using that pay off calculators located inside of ScoreNavigator.

Knowledge Base

Without proper education, what do you do? With ScoreNavigaator, learn about financial and credit concepts as you navigate your journey.


How We Are Different

We are an A+ Accredited BBB technology company that aims to help consumers accomplish their goals by providing them with simple and effective credit & financial solutions. Our Point Deduction Technology helps you identify which accounts are hurting you the most!

No matter how many times you learn about the different factors affecting your credit scores, it still feels impossible to get a grip of what's going on. ScoreNavigator demystifies the causes of credit scores through Credit Monitoring Services and Coaching Solutions.

Credit Report Features

Start working with ScoreNavigator that can provide everything you need to generate awareness, drive traffic, connect.

ScoreNavigator Credit Report

Full Credit Report(s) & Score(s)

Complete tradeline details with your score organized by positive and negative accounts.

Point Deduction Technology®

Simplify the impact of key decisions on your credit score with an easy-to-understand, point-based system.

Action Plan

ScoreNavigator offers a plan of action, including short and long term actions for maximizing your score potential.

Credit Changes

Credit Changes, such as account balance and status changes are detailed out in the ScoreNavigator Report.

Credit Factors

Up to four positive and negative credit factors with explanations and instructions are included.

Audit Report

Make notations on your accounts that you feel are being reported incorrectly for easy follow-up.

Credit Summary

A detailed Credit Summary of your overall credit profile in easy to understand fashion.

Account Alerts

Account specific alerts, such as the best time of the month to make your payment, and best balance to credit limit ratios.

Account Recommendations

Detailed account specific recommendations to address various real life experiences.

Audio Recommendations

Click to play audio explaining your tradeline, and recommendations, all available as part of your membership.

See What People Are Saying

We've helped countless individuals reclaim their financial independence by demystifying credit scores, showing them what impacts their score, and developing actionable strategies for improvement. Look at what they have to say about working with ScoreNavigator.

"Having a 730 score I had no idea I could get into the 800’s in a short time. ScoreNavigator provided me the best day to pay and charge again on my credit cards. This formula really works!"

- T. Israel

"The target score simulator not only gave me an action plan to reach a prime rate financing for my car but also told me the best day to have my credit pulled. Thanks ScoreNavigator!"

- B. McIntosh

"I had no idea budgeting my money would have as much impact on my credit score until I joined ScoreNavigator. I was provided with a whole financial section to set up a budget and a money simulator to show me where to put the money to help my scores."

- C. Martinez

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

- M. Williams

"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."

- D. Tolle

"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 restored. I love this product!"

- J. Webb

ScoreNavigator Partners With Homes For Heroes

Since 2009, Homes for Heroes, Inc., has helped over 63,000 heroes save over $122 million on their real estate transactions, sold over $17 billion in real estate to heroes, actively partnered with more than 4,300 like-minded real estate and mortgage professionals who’ve joined in the mission, and donated over $1.4 million to heroes in need through the Homes for Heroes Foundation.

For More Info:

Those Heroes are:

Firefighters and EMS
Law Enforcement
(Active, Reserves and Veterans)
Healthcare Professionals

SOC 2 Compliance

ScoreNavigator is now SOC 2 Type I compliant!

This achievement indicates that our handling and processing of customers' data meets key security standards. The protection of customer data is the highest priority for our team and we're committed to building a robust security & compliance program. We're thrilled to celebrate this milestone as another way of building trust with our customers.

We partnered with Vanta & Advantage Partners to seamlessly guide us through the compliance process.

AICPA Compliance - SOC2
Vanta Compliance SOC2

ScoreNavigator - Financial Services Review

Pioneering Financial Empowerment through Innovation and Humanity

Faith, Family And Finance

About the Book

"Faith, Family and Finance" is an inspiring and practical guide to achieving financial stability and success through the lens of faith and family values.

With forty years of experience in financial planning and counseling, This book offers its readers practical advice on budgeting, saving, investing, and managing debt, while also exploring the deeper spiritual and emotional aspects of money and its role in our lives. Through personal anecdotes and insightful reflections, this book shows how aligning our financial goals with our faith and family values can bring greater meaning and purpose to our lives, as well as greater financial security.

Whether you are struggling to make ends meet or simply looking for ways to enhance your financial well-being, "Faith, Family and Finance" offers a wealth of practical tools, tips, and strategies to help you achieve your financial goals while remaining true to your values and priorities. With its clear, engaging style and heartfelt message, this book is sure to become a treasured resource for anyone seeking financial freedom and a deeper connection to their faith and family.

ScoreNavigator's 3rd Annual Scholarship Fund

In an era where financial independence and literacy are pivotal, many young individuals find themselves navigating through a maze of financial decisions without a compass. Recognizing this critical gap, The Scorenavigator Financial Literacy Scholarship Fund proudly announces its 3rd Annual Scholarship initiative, dedicated to empowering the next generation with the financial acumen necessary for a prosperous future.

This year, we continue our commitment to support high school juniors and seniors from low-income backgrounds who demonstrate academic excellence with a GPA of 3.0 or higher. Our scholarship aims not just to alleviate the burden of educational expenses but to invest in the financial education of our youth, ensuring they are equipped with the knowledge to make informed financial decisions.