Building Credit Is Step One.
Here's Step Two.
Reporting your rent is already working for you. Now understand what's happening, protect your progress, and steer your credit with intention.
We negotiated this rate exclusively for Piñata members. It won't last forever.
Building credit is powerful.
Steering it is the next level.
Most renters stop at step one — reporting their rent and hoping for the best. But knowing your score is different from understanding your full credit picture — what's on your report, what's helping, what might be quietly working against you, and exactly what to do next. That's where people leave points on the table.
"You're not just watching your credit grow. You're steering it."
Real-time alerts
Know the moment anything changes on your credit report — good or bad — across all three bureaus.
Fraud protection
Instant notification if someone tries to open or use credit in your name. Catch it before it damages what you've built.
Clear score insights
See what's helping and what's hurting your score — with plain-language explanations, not just numbers.
Guidance on your next move
Always know what to do next to keep your credit moving forward — so you're never guessing.
You started something real.
Let's make it count.
SmartCredit® retails at $49.95/month.
Your Piñata member rate of $29.95 is exclusive and subject to change.