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
Trina
They’re okay wish
Reply from SmartCreditAug 10, 2026
Thank you for sharing your feedback and for being with us over the past year! We appreciate your continued trust and are glad to be part of your journey. We hope our tools and resources continue to support you as you work toward your credit goals.
Cindy
Is good for manage my credit
Reply from SmartCreditAug 10, 2026
Taking charge of your credit starts with having the right tools! 💡📊 We’re glad we can help make managing your credit a little easier and keep you connected to the information that matters. Thanks for having us along for the journey! ✨
Octavio
Me encanta el tiempo que se está logrando recuperar mi puntaje muchas gracias
Reply from SmartCreditAug 10, 2026
¡Ver cómo el esfuerzo comienza a reflejarse en su puntaje es una gran sensación! 📈✨ Nos alegra saber que está disfrutando de su progreso y avanzando hacia sus metas crediticias. Gracias por confiar en nosotros para acompañarle en este camino. ¡Que sigan llegando buenas noticias! 🌟
Melissa
Great communication and response time. Great experience in the team removing and disputing negative things on my credit report.
Reply from SmartCreditAug 10, 2026
Great communication + quick responses + a team working for you = an experience worth sharing! 🌟 We’re thrilled that you’ve felt supported throughout the dispute process and appreciate you recognizing our team’s efforts. Thank you for trusting us to be part of your credit journey! 📈✨
LIANA
Very nice happy
Reply from SmartCreditAug 10, 2026
Happy customers make for happy days! 😊✨ We’re delighted to hear you’re enjoying your experience with us. Thank you for sharing a little positivity our way—we’re glad to have you on this journey! 🌟
Christyle B.
Great experience
Reply from SmartCreditAug 10, 2026
Great experiences are what we strive for! ✨ We’re so glad your journey with us has been a positive one. Thanks for taking a moment to share the good vibes—we’re excited to keep making your experience a great one! 🌟
Althea C.
Customer service is excellent. The ability to determine the best payoff date to impact your score is phenomenal. Basically, it has the information you need to really have a good grasp of what is affecting your score and how to improve it.
Reply from SmartCreditAug 10, 2026
Turning credit information into actionable insight—that’s exactly what we love to hear! 📊✨ We’re thrilled that the payoff date feature has been valuable and that our customer service has made a great impression. Thank you for the recommendation and for trusting our tools to help you better understand your credit journey! 🌟
Yovanna A.
The company advertises a “$1 seven-day trial” that supposedly includes access to credit reports and scores from all three credit bureaus. However, after signing up, I was additionally charged $19.95, which they later claimed was an “add-on” required to access all three bureaus. Based on the advertisement, this extra charge was not made clear upfront and was misleading. I am posting this review to make other consumers aware so they can carefully review the terms before providing payment information.
Reply from SmartCreditJun 1, 2026
Thank you for sharing your feedback. We understand the importance of clear pricing and want to clarify that our service does provide access to credit reports and scores, including additional score models such as auto, insurance, and employment scores. Different membership options are available depending on the reports and scores a customer would like to access. If you believe you were enrolled in the wrong plan, we encourage you to contact our support team so we can review your account and help ensure you're on the membership that best fits your needs.
