SmartCredit®

SmartCredit®

by ConsumerDirect Inc

155 ratings
95 reviews
Free

Details

  • Released
  • Updated
  • January 8, 2014
  • September 22, 2026

Features

SmartCredit® screenshot #1 for iPhone
SmartCredit® screenshot #2 for iPhone
SmartCredit® screenshot #3 for iPhone
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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®

2.2.10

September 22, 2026

Miscellaneous bug fixes.

User reviews

Customer Service

I’ve been going through an issue for the past month and finally today it was taken care of. My customer service representative went above and beyond to make sure I was completely satisfied. Great Job💯

Response from developer

We’re so glad we could turn things around for you! 🙌 After a month of frustration, you deserved a resolution—and we love hearing that our representative went the extra mile to make sure you were taken care of. Thank you for your patience and for giving our team the opportunity to make it right!

Terrible. Go for others

It’s just terrible and not clarifying. Go for other credit check apps

Charged me even after cancellation

They charged me the monthly fee even after I cancelled my service, and when asking for a refund, they hung up on me. I’ve called multiple times and every time they’ve hung up on me

Game changer from my credit journey— and the partner perks are amazing

I genuinely love SmartCredit. The credit monitoring tools are incredibly useful — having real-time visibility into my score and what's affecting it has made such a difference in how I manage my finances. It personally helped me understand exactly where I stood and what steps to take to improve, which I didn't expect to find in an app this straightforward to use.

As a partner, I also want to highlight how great the commission structure and flat fees are. They're fair, transparent, and the team has been so kind and supportive throughout. It's rare to find a platform that genuinely values both its users and its partners. Highly recommend SmartCredit to anyone looking to take control of their credit! 🙌
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Response from developer

Thank you so much for your thoughtful and detailed review! We’re truly happy to hear that SmartCredit has helped you better understand and manage your credit with confidence. Providing clear, real-time insights and easy-to-use tools is exactly what we strive for, so it means a lot to know the platform has made a positive impact on your financial journey. We also sincerely appreciate your kind words about our partner program, commission structure, and support team. We believe in creating value for both our users and partners, and your feedback reassures us that we’re on the right path. Thank you again for your trust, support, and recommendation — we’re grateful to have you as part of the SmartCredit community! 🙌

Excellent app de monitoreo de crédito

SC es una excellent app tanto para miembros como para affiliados. Recomendado 100% confiable y muy practica.

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.