SmartCredit® vs Gatewise Multifamily
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SmartCredit®
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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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 credit monitoring and identity 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.
Gatewise Multifamily
This app allows residents of apartment communities to easily open community car gates and entry doors using their iPhone. It functions as a modern, cloud-based access control system for apartment complexes, enabling seamless entry to gates and amenities.
- Open community car gates
- Open entry doors
- Access amenities
- Cloud-based access control
- Manager user authorization
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Easily open your Community Car-Gates & Entry Doors, as well as amenities with your iPhone. Gatewise is a Modern, Cloud based, Access Control System that was designed for Apartments Communities. Notice: The App will open the Gates & Doors only in communities where GateWise device is connected to the gate operator or garage door / Gate opener. Community Manager, can easily manage who can access the gate. Simply authorize additional users by entering their phone numbers in the System. For purchasing and installation of the GateWise device please contact us at www.gatewise.com
Screenshots
Verdict
The clearest difference is rating: SmartCredit® at 3.4 against Gatewise Multifamily's 1.5. SmartCredit® also leads on ratings volume (155 vs 17) and review sentiment (34% vs 25%). Gatewise Multifamily's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SmartCredit® holds the better App Store score, 3.4 against 1.5. That said, the two scores are not equally well evidenced: SmartCredit® has 155 ratings behind it against 17, so its average is the more settled of the two. Written reviews point the same way: 34% of SmartCredit®'s written reviews are positive against 25% of Gatewise Multifamily's.
SmartCredit® ships an update every 4 months, Gatewise Multifamily every 2 months. The most recent releases landed on October 23, 2026 and October 20, 2026 respectively.
| Parameter | SmartCredit® | Gatewise Multifamily |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (155 ratings) — better | 1.5 (17 ratings) |
| Positive reviews | 33.7% of reviews — better | 25.3% of reviews |
| Number of ratings | 155 — better | 17 |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 29 MB | 95 MB |
| Age rating | 4+ | 4+ |
| Developer | ConsumerDirect Inc | Gatewise Incorporated |
Customer experience
SmartCredit®
Gatewise Multifamily
User reviews
SmartCredit®
From 155 App Store ratingsWhat we love
- 👍 User-friendly interface
- 📈 Helps improve credit score
- 💰 Useful for financial management
- 🛡️ Removes personal info from websites
- 🏠 Aids in house buying process
Room to improve
- ❌ Login issues are frequent
- 💸 App is often a scam or misleading
- 🚫 Difficult to cancel membership
- 📉 Credit score doesn't improve
- 💰 Charged after cancellation
Gatewise Multifamily
From 17 App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient
- 🔒 Secure access
Room to improve
- 🐛 Unreliable/glitchy
- 🔋 Drains phone battery
- 📱 Requires phone to access
- 🕰️ Slow/laggy
- 🔇 Loud buzzing sound
Bugs and requests
SmartCredit®
Reported bugs
16 issues- 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
Show 11 moreShow fewer
- 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
Requested features
8 requests- 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
Show 3 moreShow fewer
- Provide better customer support
- Ensure credit score improvements are visible
- Stop charging after cancellation
Gatewise Multifamily
Reported bugs
4 issues- App crashes/freezes
- Inconsistent gate/door access
- Registration/login issues
- Widget doesn't work as expected
Requested features
5 requests- Add Apple Watch support
- Integrate with Apple CarPlay
- Add favorites/frequently used list
- Improve Siri integration
- Implement dark mode
In-app purchases
SmartCredit®
No in-app purchases
Gatewise Multifamily
No in-app purchases
Questions
Is SmartCredit® free?
Is Gatewise Multifamily free?
Which has better reviews, SmartCredit® or Gatewise Multifamily?
Do SmartCredit® or Gatewise Multifamily have ads?
Which is updated more often, SmartCredit® or Gatewise Multifamily?
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