Importing Credit Reports
Sable integrates with SmartCredit to securely import your credit reports from all three bureaus. Here's how to get started.
Overview
To use Sable effectively, you need to import your credit report. We partner with SmartCredit to pull your 3-bureau credit report securely. Once imported, Sable automatically parses and organizes your credit data so you can identify issues and generate dispute letters.
The import process takes about 10-15 seconds and pulls data from Experian, Equifax, and TransUnion.
About SmartCredit
SmartCredit is a credit monitoring service that provides 3-bureau credit reports. They offer:
- Credit reports from all three bureaus
- Credit scores (VantageScore 3.0)
- Daily credit monitoring and alerts
- Identity theft protection
Don't have a SmartCredit account? Sign up at smartcredit.com to get access to your credit reports.
How to Import
- Go to your Dashboard — Log into Sable and navigate to the main dashboard
- Click "Import Report" — You'll see this button in the header or in the empty state
- Enter your SmartCredit credentials — Your login email and password for SmartCredit
- Wait for import to complete — This usually takes 10-15 seconds
- Review your data — Your credit scores, tradelines, and other data will appear in your dashboard
What Gets Imported
Credit Scores
Your score from each bureau (Experian, Equifax, TransUnion).
Personal Info
Name variations, addresses, and employers on file.
Tradelines
All credit accounts, including balances, limits, and payment history.
Negative Items
Collections, late payments, charge-offs, and bankruptcies.
Security & Privacy
We take the security of your data seriously:
- Your SmartCredit credentials are never stored—they're used once for the import
- All data is encrypted in transit and at rest
- Your data is stored securely and never shared with third parties
- You can delete your data at any time from your account settings
Troubleshooting
Import failed with invalid credentials
Double-check your SmartCredit email and password. Try logging into SmartCredit directly to confirm your credentials work.
Import is taking too long
Imports usually complete within 15 seconds. If it's taking longer, try refreshing the page and starting again. SmartCredit's servers may be slow.
Missing data after import
Some bureaus may not have data for certain accounts. This is normal—not all creditors report to all three bureaus.
Common Questions
How often can I import my report?
You can import as often as your SmartCredit plan allows. We recommend importing after each dispute round to track your progress.
Does importing affect my credit score?
No. Importing your own credit report is a "soft inquiry" and does not affect your credit score.
Can I use a different credit monitoring service?
Currently, Sable only supports SmartCredit. We're working on adding more providers in the future.
