Turn every contact into recurring revenue.
Offer credit and identity monitoring to your existing clients and the prospects who aren't investment-ready yet. You earn every month, and you stay the trusted advisor they come back to.
Free to join · No minimums
Earn Up To $19
max per client/mo
5 min or less
to complete enrollment
Partner Portal — Recurring Revenue
Sample partner · PID 00000
Monthly recurring
$2,960
+19% vs last month
Active clients
156
12 in $1 trial
Client A.
Premium
$19.00
Active
Prospect B.
$1 Trial
$1.00
Converting
Client C.
Premium
$19.00
Active
Sample figures shown for illustration.
What our partners are saying!
Marcus T.
“I used to lose every prospect who wasn't ready. Now they all become clients — and half come back for wealth management.”
Kevin A.
“Huge shoutout to SmartCredit for having an amazing platform that I've been using for my clients as well as providing so much value anytime I go to one of their conferences. Definitely one of the best credit monitoring sites you could possibly be with. Highly recommend them.”
Matt L.
“I have been working with SmartCredit for over 4 years now. They are so much bigger now than they were 4 years ago - why?? - because they are awesome and awesome grows! Love these guys! Great team, great service, and a great products. Their new Offer Wall is the bomb digity!”
Ivory B.
“Best monitoring company. Great company culture and values that align with my own company”
Gary B.
“Shoutout to the whole SmartCredit family. I love the partnership that we've had for the past three years and I look forward to continuous growth.”
Alex G.
“SmartCredit treats everyone like family no matter who you are. They put a lot of effort into making everyone feel seen and heard, especially for developing new strategies and methods to grow the business. Can't say enough, these guys are the best!”
Marcus T.
“I used to lose every prospect who wasn't ready. Now they all become clients — and half come back for wealth management.”
Kevin A.
“Huge shoutout to SmartCredit for having an amazing platform that I've been using for my clients as well as providing so much value anytime I go to one of their conferences. Definitely one of the best credit monitoring sites you could possibly be with. Highly recommend them.”
Matt L.
“I have been working with SmartCredit for over 4 years now. They are so much bigger now than they were 4 years ago - why?? - because they are awesome and awesome grows! Love these guys! Great team, great service, and a great products. Their new Offer Wall is the bomb digity!”
Ivory B.
“Best monitoring company. Great company culture and values that align with my own company”
Gary B.
“Shoutout to the whole SmartCredit family. I love the partnership that we've had for the past three years and I look forward to continuous growth.”
Alex G.
“SmartCredit treats everyone like family no matter who you are. They put a lot of effort into making everyone feel seen and heard, especially for developing new strategies and methods to grow the business. Can't say enough, these guys are the best!”
No more dead-end conversations
Start with anyone
Existing clients who want more protection, plus prospects below your minimum or not investment-ready yet.
Offer them SmartCredit
Credit monitoring and identity protection, co-branded with your name. Offer a 7-day trial for $1, then set a monthly price unless canceled before the trial ends.
See what your clients getYou earn monthly
Recurring commission on every active SmartCredit paid client
See what you could earn
Partneredwith
Your Business
Logo Here
ScoreTracker
Your starting score was 630
You added +4 pts so far!
Special Message
Welcome message to your customers!
Optional, secondary message to your customers.
Your brand on your client's SmartCredit account
Stay front and center
Your clients will see your name every time they check their credit, money, and privacy.
Always visible
Your name and photo live inside their dashboard.
Your message
A personal note from you, front and center.
Daily touchpoints
Every login reinforces your relationship.
SmartCredit partnership
You get everything to help grow your business
Click through the tools below to explore what's included with your partnership.
Your business
Partner portal
Manage your SmartCredit clients and prospects in one place.
Growth tools
Client & prospect tracking
Stay on top of who's active, who's suspended, and where opportunities exist.
Your business
Business analytics
Track referrals, earnings, and payouts directly from your dashboard.
Studio Session
Podcast
We invest in you — because when you grow, we grow.
Use our Irvine production studio at no cost. Bring your ideas, and our team will film, produce, and edit professional content designed to elevate your brand.
* Complimentary on-site studio access is subject to availability, session duration limits, and adherence to professional conduct standards. Other terms and conditions may apply.
Client experience
What your clients get
There are a variety of pricing programs to choose from tailored to your client's needs.
- 3-Bureau Credit Reports & Scores
- $1M Identity Fraud Insurance for entire household
- Alerts when anything changes on their credit
- Ability to request removal of personal data from data broker websites
- Actionable, personalized credit plan
- Direct communication with creditors
- One simple, complete credit view
*Illustrative example only. The potential credit-score increase and timing shown are not guaranteed and do not predict the results or timing any individual consumer may achieve. Actual results vary based on individual credit profiles, creditor reporting practices, and other factors. SmartCredit does not guarantee any increase in credit score. *Chase, Wells Fargo, and Capital One are trademarks of their respective owners. SmartCredit is not affiliated with, sponsored by, or endorsed by these institutions. The names and logos are used solely to identify financial institutions supported by the service.
4.2/5 from 157 member reviews
on Trustpilot“I’ve gained so much knowledge from the SC website! The reminders from the site are priceless — they keep me aware of actions I can perform to keep my credit rising.”
Jannet Nelson · January 2026
“Serge and his team are excellent at what they do and I am grateful they have been able to fix some things on my history that resulted in raising my credit score substantially!”
Maria Lancaster · February 2026
“It helps me manage my credit, with the estimated points I am going to get if I pay a certain amount.”
Maria del Carmen R. · January 2026
“Very organized and helpful.”
Vendoras · March 2026
“I know improving my score will take time — the alerts keep me on top of old names, addresses and inquiries on my report.”
Rhonda · January 2026
“I’ve gained so much knowledge from the SC website! The reminders from the site are priceless — they keep me aware of actions I can perform to keep my credit rising.”
Jannet Nelson · January 2026
“Serge and his team are excellent at what they do and I am grateful they have been able to fix some things on my history that resulted in raising my credit score substantially!”
Maria Lancaster · February 2026
“It helps me manage my credit, with the estimated points I am going to get if I pay a certain amount.”
Maria del Carmen R. · January 2026
“Very organized and helpful.”
Vendoras · March 2026
“I know improving my score will take time — the alerts keep me on top of old names, addresses and inquiries on my report.”
Rhonda · January 2026
Being a SmartCredit partner also gets you 1 free membership of SmartCredit for the duration of your partnership.
Everything your clients get — 3-bureau reports, monitoring, and identity fraud insurance — on the house, for you.
Earnings
What could you earn?
Monthly
$720
Annual
$8,634
How your commission is calculated
Retail price $29.99 − licensing fee $15.60 — You get $14.39 per client / mo
Recurring while clients stay active. Not including chargebacks. Estimates are a simplified view for illustrative purposes — see your partner agreement for exact rates.
Security & compliance
Recommend it with confidence
SOC 2 Type 2 certified
Enterprise-grade security controls, independently verified.
PCI DSS Level 1 certified
Highest payment card industry data security standard.
Transparent pricing
Client-first pricing with no hidden fees or surprises.
FAQ
Common questions
SmartCredit is an all-in-one educational financial wellness platform that combines three-bureau credit monitoring, credit score tracking, identity theft protection, and personal data privacy management into a single service. SmartCredit does not provide investment advice, recommend securities, manage assets, or function as an investment product. Accordingly, SmartCredit itself is not an investment advisory service. Financial advisors promoting SmartCredit services are responsible for evaluating any disclosure or regulatory obligations applicable to their practice, firm, and jurisdiction.
Still have questions? Schedule a call
Stop losing prospects. Start earning.
Join the SmartCredit Partner Program in minutes. Free to join. Add lifetime value for your clients.