Great
Based on 295 reviews
SmartCredit4.3Honesty, pricing, process and quality scores appear once 5 customers have rated them.
SmartCredit is an all-in-one credit and financial wellness platform that goes beyond simply showing your credit score. It lets you view your full three-bureau reports, take action on negative items to potentially get them removed, and helps you maximize your credit utilization ratio with a simple simulator.Not only that, you can link to your financial accounts and manage all of them from their easy to use dashboard,protect your identity, and prevent you personal information form being sold online. If you’re serious about taking your credit to the next level all on your own, getting better lending terms, and protecting your data and identity, SmartCredit gives you the tools to do that.
SmartCredit (smartcredit.com) has 295 customer reviews on Folks Told, with an average rating of 4.3 out of 5.
295 approved reviews, newest moderated first
Sherita
It's show you your account credit score
Reply from SmartCreditAug 10, 2026
Your credit picture, right at your fingertips! 📊 We’re glad you’re finding value in being able to view and stay connected to your credit score. Thanks for sharing your experience with us—we’re happy to be part of your credit journey!
me
this company keeps charging automatically even after cancelling in writing and them acknowledging the cancellation. Also, the credit score is not correct they use the vantage 3.0 system which is not what lenders use. Lenders use the fico score system. its better to have membership through experian, equifax and transunion instead.
Reply from SmartCreditAug 10, 2026
Thank you for your feedback. We understand your concerns regarding the cancellation of your membership, billing, and the credit score provided. Please contact our Customer Support team at 877-372-3895 so we can review your account and ensure your cancellation and billing concerns are properly addressed. Credit scores can vary depending on the scoring model and information used, and lenders may use different models when making credit decisions. We appreciate you taking the time to share your experience.
Nataly
I don’t like how it takes too much money away from me.
Reply from SmartCreditAug 10, 2026
Thank you for sharing your feedback. We understand your concerns regarding the cost of your membership. We want our members to have a clear understanding of their membership and any associated charges. Please contact our Customer Support team at 877-372-3895 so we can review your account, answer any questions, and discuss the options available to you.
Lauren
They have helped alot! Recommended for sure!
Reply from SmartCreditAug 10, 2026
We love hearing this! Knowing that our services have made a real difference for you is what keeps us motivated. Thank you for the recommendation and for choosing us to be part of your credit journey. We’re excited to keep supporting you along the way!
Kery S.
Horrible.!!!!! Solicité un préstamo de 150€ supuestamente con 0 intereses. Me han ingresado 100€ y tengo que devolver 140!!! Les comento que esos son unos intereses abusivos que solo fue lo que yo solicité y siempre como todo su excusa en que he firmado un contrato contrato en el cual no conseguí encontrar esta información. Les digo que quiero poner una reclamación y me dicen que se lo puedo decir a este mismo mail. Y yo le digo que quiero una reclamación formal con un número de seguimiento etcétera y nunca me han respondido
Reply from SmartCreditAug 10, 2026
Creemos que esta reseña hace referencia a otra empresa. SmartCredit no presta servicios fuera de Estados Unidos ni acepta tarjetas de crédito emitidas fuera de Estados Unidos. Basándonos en los detalles proporcionados, no parece que este comentario esté relacionado con nuestra empresa ni con nuestros servicios.
Valerie N.
Just knowing that you are in a position where your credit score will rise
Reply from SmartCreditAug 10, 2026
There’s something powerful about seeing progress on the horizon! 📈 We’re glad our tools help you feel informed and encouraged as you work toward your credit goals. Thank you for sharing your experience and letting us be part of the journey!
Joyce
So happy I found out about this app
Reply from SmartCreditAug 10, 2026
We’re so happy you found us too! 🎉 Discovering the right tools can make all the difference when it comes to staying connected to your credit. Thanks for choosing us—we’re excited to be part of your journey! 💫
Wendy j F.
Good service and easy to use
Reply from SmartCreditAug 10, 2026
Simple, smooth, and helpful—that’s exactly what we aim for! 🙌 We’re glad you’re enjoying the service and finding everything easy to use. Thanks for sharing the love and for having us along on your credit journey! ⭐
