SmartPay is a consumer direct credit score/report ordering system. Universal Credit can provide a unique URL which can be embedded in any image, line of text or email which allows a consumer to access a copy of their FICO scores and score disclosure using their own credit card. Furthermore, you will have full access to the re-issuable credit report which saves you the cost of ordering a credit report for this potential borrower. The consumer’s contact information and the credit file number will be emailed directly to you when the report has been ordered. Many clients include the SmartPay link in their email signature line so every email gives a potential borrower the opportunity to order and receive their own credit scores, at their convenience, on their own credit card.