SmartCredit®

SmartCredit®

by ConsumerDirect Inc

141 ratings
86 reviews
Free
With Ads

Details

  • Released
  • Updated
  • January 8, 2014
  • March 3, 2026

Features

SmartCredit® screenshot #1 for iPhone
SmartCredit® screenshot #2 for iPhone
SmartCredit® screenshot #3 for iPhone
iphone
ipad
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About

Manage your credit score, money, and identity in one app. Get personalized plans to improve your credit, monitor for fraud, and understand your credit reports easily. Features include score tracking, a 120-day improvement plan, and tools to resolve financial issues.

Credit score tracking
Personalized credit improvement plans
Credit monitoring
ID fraud insurance
Online information exposure monitoring
Credit report analysis
Money management
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What users say

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What's New in SmartCredit®

2.2.4

March 3, 2026

Misc bug fixes.

User reviews

Log in issue is bad been going on for a while

Can’t log in it logs you out as soon as you log in?

Sucks!

Literally signed up today then downloaded the app and it won’t let me sign in

They going to charge you all your life!!

Scam

Don’t waste your time or money!!

Update: my account couldn't be found because after several attempts and emails, it was successfully canceled. The person that helped me was friendly though.

The app is useless. They’d be better off just taking it down altogether. And forget about canceling!! I’ve been trying to cancel this membership for over a month!! $24.95 a month for no results and a half functioning process is WILD!! There’s no way to cancel without calling in so I’m just going to cancel my credit card and get a new card #.
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Stay away

They are still charging me after I canceled and received an email from their customer service reps that services were canceled. When I called back they stated they didn’t make the charge. That’s B.S. had to put a stop check on them. Don’t ever use their services. The credit scores are so far off.

Developer apps

User experience

🐞

Reported Bugs

16 issues

App logs out immediately after login

Bug

App won't let users sign in

Bug

App crashes or closes unexpectedly

Bug

App doesn't recognize passwords or reset links

Bug

App keeps redirecting to the website

Bug

App won't open or crashes upon opening

Bug

Login issues after app updates

Bug

App doesn't recognize created accounts

Bug

App locks users out after entering credentials

Bug

App doesn't allow adding accounts due to logout

Bug

App crashes and returns to login screen

Bug

App doesn't allow login through the app, only browser

Bug

App doesn't let users go in after signing in

Bug

App keeps asking to login after entering info

Bug

App doesn't open or crashes upon opening

Bug

App forces shut when trying to open

Bug

Requested Features

8 requests

Fix the app so it doesn't redirect to the website

Feature

Allow cancellation through the app

Feature

Improve login functionality

Feature

Make the app usable without crashing

Feature

Offer a free trial

Feature

Provide better customer support

Feature

Ensure credit score improvements are visible

Feature

Stop charging after cancellation

Feature

FAQ

What does SmartCredit® do?

SmartCredit® helps you control your credit score, money, and identity in one place. It provides tools to understand what is affecting your credit, offers personalized plans for improvement, and includes credit monitoring and identity fraud insurance.

What are the key features of SmartCredit®?

Key features include SCORETRACKER for monitoring all your credit scores, SCOREBUILDER® for a personalized 120-day improvement plan, SCOREBOOST™ to discover how spending impacts credit, PRIVACYMASTER® to find and remove exposed personal information online, and a MONEY MANAGER to consolidate financial accounts.

Is SmartCredit® free to use?

The application is free to download and use, but it does contain in-app purchases. Specific features or premium services may require payment.

What kind of insurance is included with SmartCredit®?

SmartCredit® includes $1 million in whole family fraud insurance, covering pre-existing issues you may not be aware of. Activation is required for this benefit, which is provided free with your membership.

How does SmartCredit® help improve my credit score?

The app offers SCOREBUILDER®, which provides a personalized 120-Day Plan detailing what is helping or hurting your credit score. SCOREBOOST™ also helps you understand how your spending strategies can unlock additional credit points.