Take Control of Your Future Credit Score

Learn How to BUILD, TRACK, and BECOME A MASTER of Your Credit Score with Novae's Smart Credit Monitoring



It is now easier than ever to track all your scores with simple charts or in-depth information.



See exactly what is helping or hurting your credit score. Get a 120-Day Plan to a better score.



Be the master of your credit score! Use ScoreMaster® before you apply for credit, make payments or spend money.

Are you a Score Tracker, Builder or Master?

About ScoreTracker

See all your different types of credit scores and see how they're progressing.

Different Scores - Get an in-depth look at the different types of scores you have and see where you stand.

History - See how your scores change over time to get a better understanding.

About ScoreBuilder™

A unique 120-day plan to help build yourself a better credit score.

Your Personal Plan - ScoreBuilder™ creates a personalized 120-day plan to help you understand what is hurting and helping your credit score, plus what actions you can take.

Take Action - View your negative accounts weighing down your score and take action to take care of them.

About ScoreMaster™

Know your future score before you apply, pay or spend.

Timing - Know the optimum time to apply for a credit card, auto loan, mortgage or other credit.

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

Payments - See how your payments can increase your credit score. Know how much to pay and by when.

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


Plus, Your Money, Credit & Insurance Money Manager



All your online banking in one place. Use action buttons to quickly ask questions and resolve problems.

  • We find the accounts for you - We automatically find your online accounts, making it easy to add to Money Manager
  • Daily Updates - Your transactions, instant statements, and trends are updated every 24 hours.
  • Transaction Monitoring Alerts Have Action Buttons - Verify transactions are yours and not theft. Stop theft with the action button.
  • Easily Take Action - Ask your bank or credit card company anything with the click of a button.


Smart Credit Report®

A simple and innovative way to view your credit report. Use action buttons to quickly ask questions and resolve problems.

  • Use Action Buttons - With a simple button you can remove identity theft, negotiate debts, resolve reporting problems and ask questions directly with your creditors. No forms to fill out, letters or phone calls.
  • Daily Transactions - For the first time your daily transactions are integrated in to your credit report. See how your creditors are reporting to ensure accuracy.
  • Credit Monitoring Alerts - Get important Alerts with changes to your credit report by phone or email.
  • Credit Score - Your credit score ranges from 300 to 850 and is an overall view of your credit history, which is important to lenders.
  • Auto Score - Auto lenders do not use your Credit Score. They use an Auto Score to better determine your lending risk.
  • Insurance Score - This score is weighted to risk & stress factors most insurance companies use when looking at your credit.
  • Hiring Risk Index - Many employers can view your credit report (not your credit score) when evaluating decisions to hire or promote. This Hiring Risk Index can help you better prepare for when an employer may look at your credit report.



Your mobile or email Alerts have action buttons to quickly ask questions and resolve problems. Plus, you get $1 million identity fraud insurance for your whole family.

What You Can Do With An Action Button

  • Quickly inform your bank or creditor of an unauthorized transaction.
  • Quickly respond to an unauthorized account activated in your name.
  • No filling out lengthly police affidavits or forms.
  • Avoid a lengthly bank or creditor process.
  • No transfers to third party credit repair organizations.
  • No lengthly phone calls or writing letters.

$1 Million in Identity Fraud Insurance
*Activation Required

  • Zero Deductible.
  • Covers your entire family residing in your household.
  • Covers your Bank, Savings, Brokerage, Lines of Credit, Credit Card, and more.
  • Covers your cash out of pocket expenses incurred in your ID recovery.
  • Covers your Credit Reports.
  • Covers pre-existing Identity Fraud you didn't know about.
  • Replacement cost due to stolen Driver's License or Passport.


Get Started With SmartCredit Today!

Start The SmartCredit Monitoring Today

Get in Touch with Us

We are based out of Conyers, Georgia

Office Address:
Novae, LLC
1257 Commercial Drive SW Ste B
Conyers, Georgia 30094
Phone: (678) 750-3787

Customer Service Hours:
Mon - Fri: 10am to 4pm EST

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