IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed.
¹The estimated calculation was obtained from the FICO® calculator to determine savings from starting credit score to credit score before the above-mentioned financing occurred. Our calculation is subject to change without notice. Our calculation is subject to change without notice.
²Calculation Methodology: Our average increase score calculations are estimates using historical internal data. It is based on analyzing the increased credit score points of our direct-to-consumer subscribers between Feb 2023-Feb-2024. Our calculation is subject to change without notice.
³Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers’ credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore® v3.0 to FICO® v8.0, verified by an official FICO® v8.0 calculator. Our calculation is subject to change without notice.
⁴ScoreBuilder is an individual communications tool using our patented Action button where all requests taken by an individual are sent direct-to-creditor customer service.
ScoreBoost is a payment and spending simulation based on credit utilization from TransUnion®, Experian® and Equifax®.

The Fastest Way
To Your Best Score!

Our customers add an average of up to
+41pts to their score in as little as 30 days.²

Empower Your Creditworthiness

with a Strong Financial Path

Add Points

Build & Boost™ Your Score

Achieve your future credit score with our action buttons and tools4

Get the Loan

Use our myLONA™ to get the loan or financing of your choice

Save Money

Live Confidently

Enjoy the savings of a better loan and maintain your best score

Build your score
with ScoreBoost™

ScoreBoost™ helps you find the best time to pay off your
accounts and add points to your credit score

Better credit,
better offers

Build the foundation of your credit score then shop for
your best offers.

The Fastest Way To Your Best Score!

Our customers add an average of up to +41pts to their score in as little as 30 days.2