SmartCredit® vs LA Wallet

SmartCredit® Control your future credit score!™ SmartCredit® helps you control your credit score, money and identity in one place. Easily see what's helping or hurting your credit score and get a personalized plan to make it better, so you can qualify for loans with the best rates, as quickly as possible. SmartCredit® even safeguards the points you gain with credit monitoring and identity fraud insurance. KEY FEATURES: SCORETRACKER Easily track all your scores with simple charts or in-depth information. SCOREBUILDER® See exactly what's helping or hurting your credit score and get your personalized, 120-Day Plan to a better score. SCOREBOOST™ Discover how your spending strategies can unlock hidden credit points using our patented credit data science. PRIVACYMASTER® See where your private information is exposed online and request removal with one swipe. NEWLY DESIGNED 3B REPORTS & SCORES It's never been so easy to read and understand your TransUnion, Equifax and Experian credit reports. ACTION BUTTONS Remove credit reporting errors, identity theft and ask questions directly with your creditors using our patented Action Buttons. MONEY MANAGER All your online banking, credit cards and investments in one place, with Action Buttons to quickly resolve problems or ask questions with your financial institutions. $1 MILLION WHOLE FAMILY FRAUD INSURANCE Full coverage for your whole family, including pre-existing issues you did not know about. Free with your membership. Activation is required.

LA Wallet will allow you to keep a digital representation of your current Louisiana-issued state ID or driver's license. The app will generate a unique image that is 100% Legal for driving purposes per Louisiana law of Act 625 of the 2016 session and approved by the Louisiana ATC for age-restricted purchases at various local restaurants, bars, and retail outlets. Once a user activates their current, valid license in LA Wallet, the digital driver’s license is valid for the life of the user’s current identity credential issuance. When the user’s physical license expires, they must renew their license with the OMV or through the LA Wallet app, if eligible. Additionally, LA Wallet offers the paid service VerifyYou™ Pro, an age-verification tool that helps keep businesses ATC compliant when offering home delivery of age-restricted goods.