SmartCredit® vs ID.me Authenticator

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 unmatched credit monitoring and ID 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.

ID.me Authenticator is a simple and free multi-factor authentication (MFA) solution for your ID.me account, protecting your account from hackers by adding an additional layer of security. ID.me Authenticator generates secure 2-step verification tokens on your device, including time-based one-time passwords, (TOTP), push notifications, or mobile security keys, to verify your identity. When logging in, after entering in your password, you will be asked for an additional way to prove it is really you. Either approve the notification sent to the ID.me Authenticator by tapping ‘Yes’ to approve if it’s you (push notification), or enter the verification code generated by the app (TOTP).