# SmartCredit® > Personal finance and credit score management app with identity protection. (iPhone/iPad app by ConsumerDirect Inc.) - Source: https://appshunter.io/ios/app/smartcredit/id783694780 (this page in markdown: same URL + `.md`) - Developer: [ConsumerDirect Inc](https://appshunter.io/developer/783694783) - Category: Productivity - Price: Free - Rating: 3.40/5 from 155 App Store ratings · 95 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 29 MB - Languages: American English - Released: 2014-01-08 - Data updated: 2026-08-26 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/smartcredit/id783694780/reviews.md ## What is SmartCredit®? SmartCredit® Control your future credit score!™ SmartCredit® helps you control your credit score, money and identity in one place. Easily see what's helping or hurting your credit score and get a personalized plan to make it better, so you can qualify for loans with the best rates, as quickly as possible. SmartCredit® even safeguards the points you gain with unmatched credit monitoring and ID fraud insurance. KEY FEATURES: SCORETRACKER Easily track all your scores with simple charts or in-depth information. SCOREBUILDER® See exactly what's helping or hurting your credit score and get your personalized, 120-Day Plan to a better score. SCOREBOOST™ Discover how your spending strategies can unlock hidden credit points using our patented credit data science. PRIVACYMASTER® See where your private information is exposed online and request removal with one swipe. NEWLY DESIGNED 3B REPORTS & SCORES It's never been so easy to read and understand your TransUnion, Equifax and Experian credit reports. ACTION BUTTONS Remove credit reporting errors, identity theft and ask questions directly with your creditors using our patented Action Buttons. MONEY MANAGER All your online banking, credit cards and investments in one place, with Action Buttons to quickly resolve problems or ask questions with your financial institutions. $1 MILLION WHOLE FAMILY FRAUD INSURANCE Full coverage for your whole family, including pre-existing issues you did not know about. Free with your membership. Activation is required. ## Key features - Credit score tracking - Personalized credit improvement plans - Credit monitoring - ID fraud insurance - Online information exposure monitoring - Credit report analysis - Money management ## What do users think of SmartCredit®? Overall sentiment: negative **Pros** - 👍 User-friendly interface - 📈 Helps improve credit score - 💰 Useful for financial management - 🛡️ Removes personal info from websites - 🏠 Aids in house buying process - 📊 Provides credit reports and scores - 💡 Offers unique tools for credit and privacy - 💳 Monitors statement balances - 💸 Identity theft insurance **Cons** - ❌ Login issues are frequent - 💸 App is often a scam or misleading - 🚫 Difficult to cancel membership - 📉 Credit score doesn't improve - 💰 Charged after cancellation - 💻 App redirects to website - 😩 App is unusable or crashes - 💳 Credit card validation errors - ✉️ Flooded with junk email - 💸 Expensive for limited functionality - ⚠️ App doesn't meet promises - 🚫 No free trial option **Commonly reported bugs** - App logs out immediately after login - App won't let users sign in - App crashes or closes unexpectedly - App doesn't recognize passwords or reset links - App keeps redirecting to the website - App won't open or crashes upon opening - Login issues after app updates - App doesn't recognize created accounts - App locks users out after entering credentials - App doesn't allow adding accounts due to logout - App crashes and returns to login screen - App doesn't allow login through the app, only browser - App doesn't let users go in after signing in - App keeps asking to login after entering info - App doesn't open or crashes upon opening - App forces shut when trying to open **Most requested features** - Fix the app so it doesn't redirect to the website - Allow cancellation through the app - Improve login functionality - Make the app usable without crashing - Offer a free trial - Provide better customer support - Ensure credit score improvements are visible - Stop charging after cancellation ## Recent user reviews (10 of 95) All indexed reviews: https://appshunter.io/ios/app/smartcredit/id783694780/reviews.md ### 5/5 — Customer Service *2026-08-10, version 2.2.4* 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💯 ### 1/5 — Terrible. Go for others *2026-08-04, version 2.2.4* It’s just terrible and not clarifying. Go for other credit check apps ### 1/5 — Charged me even after cancellation *2026-06-14, version 2.2.4* 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 ### 5/5 — Game changer from my credit journey— and the partner perks are amazing *2026-05-22, version 2.2.4* 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! 🙌 ### 5/5 — Excellent app de monitoreo de crédito *2026-05-21, version 2.2.4* SC es una excellent app tanto para miembros como para affiliados. Recomendado 100% confiable y muy practica. ### 5/5 — Excelente App Para Subir Credito *2026-05-20, version 2.2.4* Smart Credit ha sido una herramienta excelente para muchos de nuestros clientes y sus familias, ayudándoles a entender mejor su crédito, monitorear cambios importantes y tomar decisiones financieras más inteligentes. Hemos visto personas mejorar sus puntuaciones de crédito, organizar sus finanzas y sentirse más seguras al momento de comprar casa, refinanciar o salir de deudas. Recomiendo Smart Credit porque combina educación, monitoreo y protección en una plataforma fácil de usar para quienes quieren tomar control real de su vida financiera. ### 5/5 — The Most Powerful Credit tool *2026-05-19, version 2.2.4* What makes SmartCredit stand out is not only the ability to easily view and compare information from all 3 major credit bureaus in one place, but also the powerful tools that very few competitors offer. Features like ScoreBuilder help users understand exactly what actions can improve their credit scores. ScoreTracker allows real-time monitoring of score changes, while ScoreBoost gives additional opportunities to optimize credit performance. The Money Manager tool is also extremely useful for organizing personal finances and tracking financial activity efficiently. Another major advantage is the included $1 million identity theft insurance protection, which provides an extra layer of security in today’s environment where personal information is constantly exposed online. SmartCredit also offers a unique system that helps identify and remove your personal records from websites that collect and sell private information, something that has become increasingly important for privacy and identity protection. After working with hundreds of clients in the credit restoration and financial education industry, I can confidently say that SmartCredit has consistently delivered accuracy, reliability, innovation, and peace of mind. It is an essential tool for anyone serious about monitoring, protecting, and improving their credit profile. ### 5/5 — This a grea app with many tools *2026-05-19, version 2.2.4* Smartcredit is one of the best apps that can help you monitor your credit and it has many tools to help you manage and even gives you a guidence to increase your credit score. ### 1/5 — Less than adequate *2026-05-12, version 2.2.4* This app is always two months behind in anything it reports. What’s the use of a credit monitoring app that doesn’t monitor. ### 2/5 — Log in issue is bad been going on for a while *2026-04-06, version 2.2.4* Can’t log in it logs you out as soon as you log in? ## Frequently asked questions about SmartCredit® ### 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. ## Version history (last 5 releases) ### 2.2.8 — 2026-08-11 Bug fixes and performance improvements. ### 2.2.4 — 2026-03-03 Misc bug fixes. ### 2.0.11 — 2023-12-02 Bug fixes ### 2.0.10 — 2022-08-24 Fix login bug ### 2.0.9 — 2022-08-23 General maintenance to continue improving the SmartCredit app. ## Apps similar to SmartCredit® | App | Rating | Price | Category | | --- | --- | --- | --- | | [Credit Solutions](https://appshunter.io/ios/app/credit-solutions/id1643185392) | 5.0 (3) | Free | Productivity | | [FRAYT Driver](https://appshunter.io/ios/app/frayt-driver/id6450462430) | 4.8 (4,906) | Free | Productivity | | [Zeely: AI Marketing Platform](https://appshunter.io/ios/app/zeely-ai-marketing-platform/id1586861768) | 4.6 (21,349) | Free | Productivity | | [Gatewise Multifamily-Access](https://appshunter.io/ios/app/gatewise-multifamily-access/id1080871199) | 2.8 (307) | Free | Productivity | | [Rocket Lawyer Legal & Law Help](https://appshunter.io/ios/app/rocket-lawyer-legal-and-law-help/id605512447) | 4.9 (15,933) | Free | Productivity | | [Invitation Homes](https://appshunter.io/ios/app/invitation-homes/id1613172655) | 4.9 (4,663) | Free | Productivity | ## More apps by ConsumerDirect Inc - [Hogo - Defend & Boost™](https://appshunter.io/ios/app/hogo-defend-and-boost/id1571152864) - [ScoreMaster®](https://appshunter.io/ios/app/scoremaster/id1587923347) All apps by ConsumerDirect Inc: https://appshunter.io/developer/783694783 ## Related topics [smart credit score monitoring](https://appshunter.io/ios/topics/smart-credit-score-monitoring) · [750 credit group](https://appshunter.io/ios/topics/750-credit-group) · [consumers credit](https://appshunter.io/ios/topics/consumers-credit) · [iafci](https://appshunter.io/ios/topics/iafci) · [my free credit score](https://appshunter.io/ios/topics/my-free-credit-score) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*