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.
Showing 228 reviews with 5 stars · Clear filters
jerome P.
Posted
The employers go beyond for you and very punctual and also care for you. Definitely recommend this company. Keep up the good work .
Response from SmartCredit· Sep 18, 2026
We love hearing that our team went above and beyond! Providing punctual, caring service is what we strive for every day. We appreciate your recommendation! 💙
Wisline E.
Posted
Great job in faster
Response from SmartCredit· Sep 18, 2026
Thank you for the kind review! We’re glad SmartCredit is helping you make faster progress toward your credit goals. Keep moving forward! 💙
Rachel M.
Posted
On 6/09 I started with a score of 523. It is 9/16 and my score is 628. $10 a month to show on time consecutive payments and you start with a goal and get encouraging coaching along the way in order to better understand the basics of what makes up your credit score. Great app!!
Response from SmartCredit· Sep 17, 2026
From 523 to 628—that’s an incredible 105-point climb in just three months! 🎉 We love hearing how SmartCredit’s goals, coaching, and credit-building tools are helping you understand your credit and stay on track. Thank you for sharing your progress!
Dixine M.
Posted
Constant monitoring of my credit score and credit builder tips
Response from SmartCredit· Sep 17, 2026
Your credit score should never feel like a mystery—and we’re glad to help you keep tabs on it! 📈 It’s fantastic to hear that our ongoing monitoring and credit-building tips are helping you stay informed and one step ahead. Thanks for letting us be part of your credit journey!
Diann
Posted
I LOVE HOW IT HELPS YOU TO KNOW HOW TO RAISE YOUR CREDIT
Response from SmartCredit· Sep 17, 2026
Thank you so much for your kind words! We’re thrilled to hear that our platform is helping you understand how to improve your credit score. Making credit-building simple and actionable is exactly what we aim for. We appreciate you taking the time to share your experience!
Kenneth
Posted
I'm so excited, you guys are amazing.not only did you took care of my credit situation. Upon my 120 days, I got a courtesy call on a past do bill I had no idea was sent to collection 😕. You guys took care of that at the end of my 120 days. I've recommended 3 of my family members,I've also been telling people in my circle about your service. Thank you so much for assisting me with getting my life back on track
Response from SmartCredit· Sep 15, 2026
Your excitement is contagious! We’re thrilled our team could support your credit journey, bring an important collection account to your attention, and help you move forward with greater confidence. Knowing you’ve shared SmartCredit with your family and community means the world to us. Thank you for trusting us—we’re honored to be part of your path toward getting life back on track.
Freddrenia
Posted
Awesome customer service! Results as promised.
Response from SmartCredit· Sep 15, 2026
When great service meets real progress, that’s a win worth celebrating! We’re thrilled our team delivered the experience you expected and that you’re seeing the promised results. Thank you for sharing your feedback—it means a lot to us.
Pam
Posted
The fact that they watch over my credit help identify bad marks on credit things that don't match, websites that my name should not be searched on , im entitled to privacy and I love that, I was able to dispute wrongful things on credit and use the cfpb when things were just pushed to the side as if i didn't have rights. Smartcredit aloud me to understand credit better and what I should do. Also with freezing certain bureaus to protect myself from fraud I have learned alot that I thought and no one ever tells you in life that we do have rights and can change your circumstances theybare a great way to build and keep an eye on credit so you dont have to worry . I'm pleased with there service and recommend to anyone who wants to fix there's or just have another eye who's watching for you and healing you to build a case to fix it , I didn't even know you could contact the credit bureaus I thought they was like the irs and you couldn't contact but that is not true I have learned about laws and what you can do so credit doesn't ruin your life you do have rights and I highly recommend smartcredit
Response from SmartCredit· Sep 15, 2026
Thank you for sharing such a powerful journey. One of the biggest wins in credit is moving from feeling powerless to feeling informed and in control, and we’re honored SmartCredit helped you get there. We’re glad our monitoring tools gave you greater visibility into items needing attention, supported your privacy and fraud-prevention efforts, and helped you understand your options. Your story is a meaningful reminder that knowledge can change circumstances. Thank you for trusting SmartCredit and recommending us to others.
