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.
Showing 20 reviews with 4 stars · Clear filters
Kevin W.
I have been using SmartCredit for years now and I really enjoy their services.
Reply from SmartCreditSep 8, 2026
Thank you for being a longtime SmartCredit member! We’re delighted to hear you continue to enjoy our services and truly appreciate your continued trust over the years. 💙
Iesha
Scores are not always accurate but a pretty decent app
Reply from SmartCreditSep 3, 2026
Thank you for your feedback! The information displayed in the app is pulled directly from the credit bureaus and reflects exactly what they have on file at the time of your report update. 💙
Chad
The pay dates to build credit
Reply from SmartCreditSep 1, 2026
Timing is everything! 📅 We’re glad the recommended pay dates are helping you make smarter moves toward building stronger credit!
Alex
Great job thanks
Reply from SmartCreditAug 26, 2026
Thank you! 😊 Short, sweet, and appreciated more than you know. We’re happy to have you with us! 💙
Laurice
Constant updates
Reply from SmartCreditAug 17, 2026
Staying in the loop makes all the difference! 🔔✨ We’re glad you’re enjoying the constant updates and staying connected to your credit journey. Thanks for the great feedback! ⭐
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!
Joyce J.
Useful in improving my credit score!
Reply from SmartCreditJun 1, 2026
Thank you for your review! We're glad to hear our service has been useful in helping improve your credit score. We appreciate you sharing your experience and are happy to be part of your credit improvement journey.
Rhonda
It’s been a really slow process I know improving my score will take time but I thought it would have taken less time to remove old names, addresses and inquiries. Still waiting will review again later
Reply from SmartCreditJun 1, 2026
We appreciate your patience and feedback. Credit improvements can take time, but we understand your concerns regarding the pace. Please reach out to us directly so we can review your account and provide an update.
