What Is ScoreMaster?

Has your credit ever gotten to an all-time low, and you didn’t know what to do? Are you trying to reach your dream credit score, but you’re not sure how to get there? With ScoreMaster, you can be the master of your credit score. Use ScoreMaster before you apply for credit, make payments, or spend money. Below we dive into a common question: What is ScoreMaster?

ScoreMaster is a tool within the SmartCredit platform. SmartCredit offers an interactive credit report that’s easier to read and understand than a traditional credit report. Rather than making you scroll through pages of account history, the Smart Credit Report lets you flip through your credit report information piece by piece as if you were turning the pages of a book. 

SmartCredit is known for its gamification of credit scores with its ScoreBuilder, ScoreTracker, and ScoreMaster tools within the platform.

If you want the ultimate control over your future credit score, ScoreMaster is the tool within SmartCredit for you. Know the best time to apply for credit, how much your payments should be for maximum credit score boost, and the best way to spend your money with minimal credit score impact.

Score Fluctuations

With ScoreMaster, you can see how your score can fluctuate up and down rapidly. Use the dial within ScoreMaster to see how your credit score moves based upon your payments or spending on your revolving accounts (mainly credit cards). These accounts are the most volatile portion of your score and can change rapidly because banks and creditors update your report monthly to reflect your payments and your spending. 

Future Score

Want to see what it’ll take to get to your dream score? You can move the ScoreMaster dial to the right of your current score to see how your credit score may increase when you make payments to any of your revolving accounts. It’s common to see an increase within 15 to 45 days after your payments post, when you reach the target statement balance and when everything else on your credit stays the same or remains normal. 

Curious to what will lower your score? Move the dial to the left to see how spending on your revolving accounts could lower your score. It’s common to see a decrease in 15 to 45 days after spending or missing a payment. To increase your score, make sure to quickly pay the amounts you spend on your revolving account ideally within ten days, but at minimum before your monthly statement balance is generated by your credit or bank provider. By paying before it’s reported, you can help avoid a decrease in your score. This is incredibly important before applying for new credit. 


Timing can be everything, especially when it comes to your credit. One of the most important factors for getting approved and getting the best deal is timing. Rather than getting denied and a negative mark from a hard inquiry, you can monitor your score and see if you’ve taken all the actions you need before you apply. With ScoreMaster, you will know the optimum time to apply for a credit card, auto loan, mortgage, or other forms of credit.


Not only can making payments on time help your score, paying the right amount at the right time can make all the difference. With ScoreMaster, you’ll see how your payments can increase your credit score, and you’ll know exactly how much to pay and when to help maintain or improve your credit score. 

“I’m in the middle of buying a home, and ScoreMaster helped me understand how my spending would lower my credit score. Thanks for saving me a huge headache.” 

— Mark H.


See how your spending can lower your credit score. Balance the spending between your accounts and know the optimum time to repay.


We will actively monitor your credit cards and credit report to alert you of changes and detect fraud as your credit score changes.

Ready to become the master of your credit score with ScoreMaster? View our Membership Options.

*Legal Disclaimer – ScoreMaster is a patent-pending educational feature simulating credit utilization’s effect on credit scores via payments or spending. Your results may vary and are not guaranteed.

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