FAQ

Your client can log into their SmartCredit account and navigate to the home dashboard screen. They can scroll to the 3B Report & Scores section and select “Order Updated Report.”

It is possible that the information entered in the Personal Info section of the member’s SmartCredit account is incorrect. To pull a new report, the client must update the Account Information tab with the correct information and request a new report.

Equifax reports primarily highlight negative items. If their report lacks negative information, it may appear blank or display minimal details. 

However, if a report is not returned at all, this could be because the personal information submitted in their SmartCredit account does not match what is in Equifax’s records. Ensure this information is validated before proceeding.

Have the client double-check that their personal information matches what is on their credit report. If the information is correct and the score is still not calculated, the client must contact Equifax directly.

Your client’s billing cycle will start on the day they enroll in their SmartCredit account. For example, if your member enrolled on the 6th of the month, their billing cycle will renew on the 6th of each subsequent month. If your client signed up on a trial, their billing cycle starts on the date that they roll over to a paid membership.

You should have received an invitation to create an account with our online payment platform. This is how you will receive your commission payments. Commissions are paid towards the end of the following month for every active paid membership in the current month.

Partners may only close their client’s account if they have access to our partner portal, SupportLink, and the client is enrolled in their SmartCredit link. Here are the following steps to close your client’s account in SupportLink:

• Log in and navigate to the Member Search tab. 
• Enter the client’s information in any searchable field to locate their account. 
• Once on the Membership Overview page, find the Member Account Actions box on the right-hand side and select “Close Account.” When prompted with a message asking if you’re sure you want to close the member’s account, confirm the action by clicking “OK.” 
• A yellow box confirming the closure will appear at the top of the page. 
• The member’s status will change to “ACTIVE (Stopped Renewal),” and the Close Date will be updated to the day before the upcoming statement date. 
• Your client will receive an email confirmation indicating that their account is set to be closed on a specific date while still retaining membership benefits for the remainder of the statement period.

If you do not have access to SupportLink, the client must close their account by logging in to SmartCredit and navigating to the “How do I cancel my membership” question in the FAQ section.”

Make sure the client’s account is closed, effective immediately. Closing an account effective immediately can be done in 1 of 2 ways:

1. Clients can make this request by contacting the customer service number found at the bottom of their SmartCredit page after logging in. 
2. Partner may send a request to [email protected] if the client is attempting to enroll in your link.

Once the account is closed, effective immediately, instruct your client to clear their cache before clicking on your SmartCredit link to sign up. During the signup process, an error message saying an account already exists will appear. They may click on the login hyperlink in the message to activate your offer. 

If you would like a step-by-step guide, go to page 18 in the Partner Manual for Enhanced Reactivation instructions.

• If your client does not see your company logo or name, advise them to clear their cache and retry by clicking on your link to sign up. 
• If a former SmartCredit account already exists for the client with the email used, see Enhanced Reactivation instructions.

It depends on where they signed up. 

• If your client signed up on our organic site, www.smartcredit.com, we will facilitate the refund process. Please email [email protected] to request that the account be closed so the client can enroll using your link.
• If they enrolled under another SmartCredit co-brand, they must contact the company’s customer service number at the bottom of the page after signing in to their SmartCredit account to request a refund.

The authentication process is a legal requirement from the credit bureaus that will require submitting documentation. Partners may contact [email protected] or 714-503-8690 Monday through Friday between 6:00 AM and 4:30 PM for more information.

For all of these questions, please contact your SmartCredit Account Manager; they would be happy to help.

The SmartCredit link containing a version of your company’s name at the end is known as your quick link. You can send this link to your customers. The SmartCredit link displaying five digits at the end is your technical link. Both links point to the same page.

If your client already has a SmartCredit account and you want to enroll them under your link, the client will need to close their existing account.

Once the account is closed, effective immediately, instruct your client to clear their cache before clicking on your link.  Once this is done and they click on your link, they may begin to enroll. During the signup process, an error message saying an account already exists will appear. They may click on the login hyperlink in the message to activate your offer. 

If you would like a step-by-step guide, go to page 18 in the Partner Manual for Enhanced Reactivation instructions.

Please contact Partner Support at 714-503-8690 Monday through Friday between 6:00 AM and 4:30 PM for a review of this request. Increases are issued on a case-to-case basis.

You will receive a daily morning email for prior-day signups. If you have access to our partner portal, SupportLink, you may also pull a Signup report for real-time signups.