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Prepare • Protect • Build

Protect What's Yours.
Start With Your Credit.

See all three credit reports and scores, get alerts when something changes, and follow a personalized plan. $1 for 7 days, then $34.99/month.

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Credit Monitoring & Alerts

Know the Moment
Something Changes.

Monitoring and fraud alerts, plus $1 Million Fraud Insurance subject to plan terms. Powered by SmartCredit.

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3-Bureau Reports & Scores • Monitoring & Fraud Alerts • Personalized 120-Day Plan • Powered by SmartCredit®

Why Credit Comes First

Your Credit Is the Foundation

Every major move, whether a home, a vehicle, a business, or a better rate, starts with your credit profile. Primal Mutual helps you watch it every day, understand what affects it, and walk into your next financial decision prepared.

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3-Bureau Reports & Scores

See your reports and scores from TransUnion, Experian, and Equifax in one place.

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Fraud Alerts & Protection

Get notified about important changes so you can act fast, with $1 Million Fraud Insurance, subject to plan terms.

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Your 120-Day Credit Plan

A personalized, step-by-step plan built around the goals you set, so you know what to work on next.

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How It Works

Three Steps to See Where You Stand

01

Create your account

Click Get Started and enter your name, email, and a password on SmartCredit’s secure page.

02

Verify your identity

Answer a few identity questions so your reports can be pulled securely.

03

See your reports and plan

View your 3-bureau reports and scores, turn on alerts, and start your personalized 120-Day Plan.

Take Control of Your Credit Today

Enrollment takes a few minutes online. $1 for 7 days, then $34.99/month. Cancel anytime per the membership terms.

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Contact Us

Primal Mutual is an independent marketing partner of SmartCredit®, powered by the ConsumerDirect® Platform. Primal Mutual may receive compensation when you enroll through links on this site. SmartCredit is a credit monitoring and education service, not credit repair. Results vary and are not guaranteed. Fraud insurance is subject to plan terms. Primal Mutual is not a bank or lender.

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