# SmartCredit® — user reviews > 95 indexed App Store user reviews of SmartCredit® by ConsumerDirect Inc, rated 3.40/5 from 155 ratings. - Source: https://appshunter.io/ios/app/smartcredit/id783694780/reviews - App overview in markdown: https://appshunter.io/ios/app/smartcredit/id783694780.md - Rating breakdown: 5★ 82 · 4★ 8 · 3★ 3 · 2★ 8 · 1★ 54 ## 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 ## Newest reviews (12 of 95) ### 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? ### 1/5 — Such a waste of money and time *2025-06-16, version 2.0.11* Do not waste your time in this app, is garbage, what they do is steal your money, I did what the app asked me and my credit remains the same, the app promised me to upload my score to more than 100 points if I pay some credit cards, I did it and my credit did not go up, the app does not meet what promises, 0 stars for this piece of garbage. ### 1/5 — Such a waste of money and time *2025-06-02, version 2.0.11* Do not waste your time in this app, is garbage, what they do is steal your money, I did what the app asked me and my credit remains the same, the app promised me to upload my score to more than 100 points if I pay some credit cards, I did it and my credit did not go up to 10 points, the app does not meet what promises, 0 stars for this piece of garbage ### 1/5 — Worthless *2025-03-17, version 2.0.11* The app sign in feature rarely works ### 2/5 — App *2025-01-25, version 2.0.11* App keeps closing on me on the middle of working on my credit. This is very annoying. ### 1/5 — Won’t let me log in through app *2025-01-02, version 2.0.11* I have to use the browser to login, app won’t even let me sign in at all. ### 1/5 — Avaros *2024-12-01, version 2.0.11* Is a scam put in credit card everything is correct and it say that is no valid stealing info from people ### 1/5 — The worst experience *2024-10-14, version 2.0.11* I was willing to become a premium member but there were errors to enter the app. I logged in several times, it did not recognize my password, I had to change it as many times as necessary, I even tried to create another account thinking that I had done something wrong and I couldn't do it either... when I was able to enter my data and my card data I got a message that fraud was possible.... How is it possible if I'm putting MY CARD... in the chat I never got help they just repeated that I should enter my data manually (which I did a thousand times) they even told me that my card was prepaid and that could be the error. And that I had to use another card... Hello, it's my only card!!!. Anyway, I felt that they treated me as if I were fraud, as if I wasn't the person I said, I didn't feel that they helped me at all. I don't recommend them, if someone had a better experience congratulations, but looking at the reviews I think this app really doesn't work... They don't even deserve the star I give them ### 1/5 — Doesn’t work *2024-05-12, version 2.0.11* Paying for an app that doesn’t work doesn’t really make sense to me. If this continues I guess I will be moving on to another service. This is sad I have to continue getting to service using web browser. Do better ### 1/5 — Very disappointed!!! *2024-05-03, version 2.0.11* I was really excited about this app, but lately I've been having trouble logging in. I've tried several times and it still won't let me log in, which is very frustrating after paying so much money monthly for a service that I can't even access. On top of that, I just got an email saying they're going to charge me an annual subscription of over $100... that's crazy!!! I'm canceling this nonsense immediately!!! ### 1/5 — Me robaron *2024-04-27, version 2.0.11* Yo no pagué ninguna suscripción y me cobraron 30 dólares por nada ni había terminado de crear mi perfil es una estafa ### 1/5 — Horrible ! *2024-04-16, version 2.0.11* This apps needs lots is improvements. I just created an account and it says my account can’t be found, I go here to try to reset my password, which even try multiple times and never received a link to change my password to my email which is very suspicious. Right after I gave all my personal info it locked me out and it’s almost like I never created an account. two days after I was finally able to change my password, but then again it said the account has not been found. I just got this app and want to remove from my phone already be sure it’s utility is useless. ## Most critical reviews (10 lowest-rated) ### 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 ### 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. ### 1/5 — Sucks! *2026-03-10, version 2.2.4* Literally signed up today then downloaded the app and it won’t let me sign in ### 1/5 — They going to charge you all your life!! *2026-01-30, version 2.0.11* Scam ### 1/5 — Don’t waste your time or money!! *2026-01-22, version 2.0.11* 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 #. ### 1/5 — Stay away *2026-01-18, version 2.0.11* 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. ### 1/5 — Don’t waste your time or money!! *2025-12-14, version 2.0.11* 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 #. ### 1/5 — No funciona *2025-10-03, version 2.0.11* Es una basura ### 1/5 — Scam *2025-09-04, version 2.0.11* Don’t waste your money I had them for over 6 months and my score didn’t move one point, they send the credit bureaus a letter as a third party so I would get responses from the credit bureaus and let SC know. The said don’t worry we will send a response. I can’t believe I paid them for 6 months, don’t fall for it people!!! ## Most praised reviews (10 highest-rated) ### 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💯 ### 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. ### 5/5 — Credit repair *2025-11-11, version 2.0.11* Really helped with my repair & house buying process ### 5/5 — So grateful! *2025-07-19, version 2.0.11* SmartCredit changed everything for me. I don’t usually write reviews, but this deserved to be shared. When I started, my credit score was in the 600s. After just 7 months of following the advice and using the tools inside the app, I broke 700 for the first time in years. That alone would’ve made me happy, but it gets better. SmartCredit also helped remove my personal information from dozens of websites that were showing where I live or used to live. That was terrifying. I kept thinking, ‘What if someone just shows up at my door?’ Knowing that I have some control over that now has been a huge relief. I love managing all of my accounts in there too since I have multiple. It makes it easier to see how much money I have and owe. ### 5/5 — ScoreBoost *2023-02-11, version 2.0.10* I’ve been checking scoreboost every time I make big purchases so I know which card to use to see the least amount of drop in points in my score. Then I see how I can get my score back up. So easy, so cool! ### 5/5 — 10/10 would recommend *2023-02-10, version 2.0.10* Honestly I was so tired of constantly having to log in to different apps to get all my info! So happy I found this. It also helps me remove information from scamming sites too. --- *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.*