# SmartCredit® vs Gatewise Multifamily

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) and chart position (#201 vs unranked). On price, update cadence, ads and in-app purchases there is nothing between them.

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 22, 2026 respectively.

## The numbers

| Metric | SmartCredit® | Gatewise Multifamily |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews)** | [1.5 (17 ratings)](https://appshunter.io/ios/app/gatewise-multifamily-access/id1080871199/reviews) |
| Number of ratings | **155** | 17 |
| Positive reviews | **33.7% of reviews** | 25.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | — | **#201** |
| Size | 29 MB | 95 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Gatewise Incorporated](https://appshunter.io/developer/492610572) |

## What reviewers say

### SmartCredit®

[App page](https://appshunter.io/ios/app/smartcredit/id783694780)

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.

**Highlights:** Credit score tracking, Personalized credit improvement plans, Credit monitoring, ID fraud insurance, Online information exposure monitoring, Credit report analysis, Money management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 📈 Helps improve credit score
- 💰 Useful for financial management
- 🛡️ Removes personal info from websites
- 🏠 Aids in house buying process

**What reviewers complain about**

- ❌ Login issues are frequent
- 💸 App is often a scam or misleading
- 🚫 Difficult to cancel membership
- 📉 Credit score doesn't improve
- 💰 Charged after cancellation

**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

**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


### Gatewise Multifamily

[App page](https://appshunter.io/ios/app/gatewise-multifamily-access/id1080871199)

**Currently charting:** #201 Top Free · Productivity (US App Store)

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.

**Highlights:** Open community car gates, Open entry doors, Access amenities, Cloud-based access control, Manager user authorization

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient
- 🔒 Secure access

**What reviewers complain about**

- 🐛 Unreliable/glitchy
- 🔋 Drains phone battery
- 📱 Requires phone to access
- 🕰️ Slow/laggy
- 🔇 Loud buzzing sound

**Reported bugs**

- App crashes/freezes
- Inconsistent gate/door access
- Registration/login issues
- Widget doesn't work as expected

**Requested features**

- Add Apple Watch support
- Integrate with Apple CarPlay
- Add favorites/frequently used list
- Improve Siri integration
- Implement dark mode


## Frequently asked questions

### Is SmartCredit® free?

SmartCredit® is free to download, with no in-app purchases.

### Is Gatewise Multifamily free?

Gatewise Multifamily is free to download, with no in-app purchases.

### Which has better reviews, SmartCredit® or Gatewise Multifamily?

SmartCredit® is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while Gatewise Multifamily averages 1.5 from 17 ratings.

### Do SmartCredit® or Gatewise Multifamily have ads?

Neither SmartCredit® nor Gatewise Multifamily shows ads.

### Which is updated more often, SmartCredit® or Gatewise Multifamily?

SmartCredit® ships an update every 4 months, and Gatewise Multifamily every 2 months. Most recently, SmartCredit® was updated on October 23, 2026 and Gatewise Multifamily on October 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*