Everything you need to know about ScoreNavigator and how we help you achieve your credit goals faster.
New to ScoreNavigator? Here's everything you need to know to start maximizing your credit score today.
ScoreNavigator is a Credit-Financial-Educational Optimization platform — not just another credit report, score, and monitoring service. While free services simply show you your score, ScoreNavigator tells you exactly how to maximize it.
Our proprietary algorithm analyzes your complete credit profile and provides a personalized action plan. You'll know exactly which accounts to pay, how much to pay, and in what order to maximize your score in the shortest time possible.
Bottom line: Free monitoring watches your credit. ScoreNavigator transforms it.
ScoreNavigator offers three products to fit your needs:
ScoreNavigator helps consumers and professionals alike:
For Consumers:
For Professionals:
Whether your score is 550 or 750, ScoreNavigator shows you how to reach the next level.
No. ScoreNavigator is a credit optimization and education platform, not a credit repair company.
We don't dispute items on your behalf or communicate with creditors for you. Instead, we provide you with scientific, data-driven recommendations based on how credit scoring algorithms actually work.
A word of caution about disputing: When you dispute an account, it adds dispute language to your credit file. Many lenders — especially mortgage lenders — will not approve a loan while accounts are in dispute. This can delay or even derail your loan approval. ScoreNavigator focuses on optimization strategies that won't put your mortgage at risk.
Think of us as your credit GPS — we show you the fastest route to your destination, but you're in the driver's seat.
Learn about ScoreNavigator's powerful suite of credit optimization tools.
The Mortgage Action Plan™ is our flagship feature designed specifically for home buyers and mortgage professionals. It's a comprehensive credit optimization system that includes:
Everything you need to guide your journey to mortgage qualification.
Our simulators let you see the future of your credit before you take action:
Stop guessing and start planning. Every simulation is based on your actual credit data for accurate predictions.
Yes! With our 3 Bureau Report, you get access to your credit reports and scores from all three major bureaus:
This matters because lenders typically use your middle score (the score in the middle when all three are ranked). You need visibility into all three to effectively manage your credit.
ScoreNavigator analyzes all three and focuses recommendations on maximizing your middle score — the one that actually matters for loan approval.
Beyond credit optimization, ScoreNavigator includes tools to manage your complete financial picture:
Good credit starts with good financial habits. Our tools help you build both.
How Mortgage Loan Officers, Realtors, lenders, and financial professionals use ScoreNavigator to close more loans.
Every mortgage professional has experienced it: a borrower who almost qualifies but falls short by just a few points. With ScoreNavigator, you can:
Stop losing deals to credit issues. Start solving them.
Yes! We offer specialized solutions for mortgage companies, credit unions, real estate agencies, and other organizations:
Learn more about our professional solutions or call us at 866-933-1656.
Absolutely! Many Mortgage Loan Officers and Realtors recommend ScoreNavigator to borrowers who need credit optimization before they can qualify.
When you refer clients to ScoreNavigator, you're not just sending them away — you're keeping them in your pipeline with a clear path back to loan approval.
Ask about our referral and partnership programs for additional benefits.
Transparent pricing with no hidden fees. Here's how billing works.
ScoreNavigator offers flexible options to fit your needs:
View current pricing or call us at 866-933-1656 for details.
Yes. Monthly memberships automatically renew every 30 days to ensure uninterrupted access to your credit monitoring and optimization tools.
You can cancel anytime before your renewal date with no cancellation fees. Simply contact our support team or manage your subscription in your account settings.
We'll always send you a reminder before your renewal date.
Canceling is easy and hassle-free. You have two options:
No long hold times, no retention tactics, no hidden hoops to jump through. We believe in earning your business every month.
Absolutely. Security is our top priority:
Your credit data and payment information are protected with enterprise-level security.
Our team is here to help. Get in touch and we'll answer any questions you have about ScoreNavigator.