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
damien N.
Posted
I greatly appreciate the reports, the way the company is always up to date, the. Consistency of updates and really just everything that is brought to the table.
Response from SmartCredit· Oct 27, 2025
We really appreciate your kind words and love hearing that our updates are helping you stay informed!
Michael C.
Posted
Is a third party?Credit is not accurate.Customer service is no good and why you have to be paying twenty dollars when the credit bureau will give it to you for free.Is not accurate?The score is not accurate.NothingI don't recommend it to nobodyIs a third party? Credit is not accurate. Customer service is no good and why you have to be paying $20 when the credit bureau will give it to you for free. Is not accurate? The score is not accurate. Nothing I don't recommend it to nobody.
Response from SmartCredit· Oct 27, 2025
Thank you for sharing your feedback. We’re sorry to hear about your experience and appreciate the chance to clarify a few things. SmartCredit uses VantageScore® 3.0, which is one of several scoring models used in the credit industry. While this score may differ from your FICO® score, both are valid credit scoring models. We are not a credit bureau. Our service also includes alerts, identity protection, and other features that aren’t typically available through the free reports provided directly by the credit bureaus. Please contact our Support team if you have any additional questions or concerns about your account at (877) 372-3895.
Montalmant, F.
Posted
Excellent great perfect
Response from SmartCredit· Oct 27, 2025
Great feedback, thank you! We’re thrilled you’re enjoying SmartCredit.
Alfredo G.
Posted
Because you guys fixed my credit score fantastic. And I’m think you guys can help others with the same problem like me. Thank you very much for you help,
Response from SmartCredit· Oct 27, 2025
Thank you for the fantastic review! We’re happy to know SmartCredit has been a positive tool for you.
Gerald
Posted
outstanding notification
Response from SmartCredit· Oct 30, 2025
Wonderful! We’re glad you found the notifications helpful and timely!
GUTIERREZ, J.
Posted
Excellent job, thank
Response from SmartCredit· Oct 30, 2025
Thank you for the 5 star review. We really appreciate it and love hearing you’re happy with our service!
Lawrence
Posted
no communication, the email address is incorrect, I have not been able to contact anyone to give me information as to why they are making unauthorized withdrawals from my acct:!
Response from SmartCredit· Oct 27, 2025
We’re sorry for the frustration you’ve experienced. After reviewing your account, we see that you signed up through one of our partners, and the communication issue you’re experiencing may be related to your account with them. Please know that SmartCredit does not make any unauthorized withdrawals. All charges are associated with the membership you agreed to at sign-up. Your membership has a monthly fee but started with a 7 day trial for $1.99. If you have any billing questions regarding your SmartCredit account, please call us at (877) 372-3895 so we can help resolve this quickly.
Twila
Posted
You guys rock! 🤘🏼 Thank you for all you are doing to help me on my credit repair journey! 🩷
Response from SmartCredit· Oct 30, 2025
Thank you! We’re so happy to be part of your credit journey — you rock too! 🤘🏼💪
