Great
295 reviews
SmartCreditHonesty, 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 Rated Honest, with an average rating of 4.3 out of 5.
295 approved reviews, newest moderated first
Maria del Carmen R.
Posted
It helps me manage my Credict, with the estimate point that I am going to get if I paid certain amount.
Response from SmartCredit· Jun 1, 2026
Glad to hear this is helping you stay on top of your credit and see how different payments can impact your score—thanks for sharing!
Jannet N.
Posted
I’ve gained so much knowledge from SC website!! The reminders from the site is priceless, these reminders keeps me aware of actions I can perform to keep control of my credit rising. I have tried others, but SC has proven to be the Best!!! I Appreciate the Brothers 💚 Did you hear that, Me walking into the 800 club, very soon!!! Get Smart like me, and get with SmartCredit!!!
Response from SmartCredit· Jun 1, 2026
We love hearing this kind of feedback! It’s great to know the reminders and tools are helping you stay on track—keep pushing toward that 800 club!
Aldric Bordeaux S.
Posted
Pleasantly surprised about the great progress going on with my credit this is an amazing company. I would recommend you guys to all my people.
Response from SmartCredit· Jun 1, 2026
We’re thrilled to hear about the progress you’re making! Thanks for your recommendation and for trusting us along the way.
Jaime
Posted
Awesome service
Response from SmartCredit· Jun 1, 2026
Thanks for the great feedback! We appreciate your support.
Vicente
Posted
Excelente app
Response from SmartCredit· Jun 1, 2026
¡Gracias por tu comentario! Nos alegra saber que te gusta la app.
Yasmany
Posted
Amazing team , so far they fix my credit
STEPHEN
Posted
I like the communications, up-dates, options, and ability to take control of something that has, historically, been a great mystery.
April
Posted
My credit report made a huge jump because I paid off my accounts. NOT due to anything SmartCredit did. The only thing SmartCredit did was continue to charge me a huge monthly fee.
Response from SmartCredit· Dec 17, 2025
We’re glad to hear your credit score has improved, and congratulations on paying down your accounts, as that can certainly have a positive impact. We do want to clarify that SmartCredit’s membership fee is $29.95 per month, and we do not charge a “huge” monthly fee. In some cases, members may also be working with a another company or credit professional who uses our platform, which can involve separate fees outside of SmartCredit’s control. If you’d like us to review your account, billing, or confirm exactly what services you were enrolled in, please reach out to [email protected] and we’ll be happy to assist.
