# SmartCredit® vs LA Wallet

The clearest difference is update cadence: LA Wallet at every 6 weeks against SmartCredit®'s every 3 months. LA Wallet also leads on ratings volume (1.2K vs 155) and iOS requirement (13.0 vs 17.6). On price, rating, review sentiment and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 3.4 for SmartCredit® against 3.4 for LA Wallet. That said, the two scores are not equally well evidenced: LA Wallet has 1.2K ratings behind it against 155, so its average is the more settled of the two. Written reviews are what separate them: 34% of SmartCredit®'s written reviews are positive against 31% of LA Wallet's.

SmartCredit® ships an update every 3 months, LA Wallet every 6 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | SmartCredit® | LA Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews) | **[3.4 (1.2K ratings)](https://appshunter.io/ios/app/la-wallet/id1386930269/reviews)** |
| Number of ratings | 155 | **1.2K** |
| Positive reviews | **33.7% of reviews** | 30.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 26 MB | 251 MB |
| Requires iOS | 17.6 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Louisiana Division of Administration](https://appshunter.io/developer/1381518888) |

## 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


### LA Wallet

[App page](https://appshunter.io/ios/app/la-wallet/id1386930269)

Store a digital version of your Louisiana driver's license or state ID. This app is legally recognized for driving and age verification for purchases. It offers a paid service for businesses to verify age for deliveries.

**Highlights:** Digital driver's license storage, Digital state ID storage, Legally valid for driving, Approved for age-restricted purchases, Age verification for businesses

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient digital ID
- 🚀 Easy to set up
- 💡 Potential for future features (e.g., Apple Wallet integration)

**What reviewers complain about**

- 🐛 App crashes and bugs
- 🔒 Security concerns with handing over unlocked phone
- 💰 Paid service for a digital ID

**Reported bugs**

- App crashes on launch
- Unable to add renewed license
- Inconsistent scanning functionality

**Requested features**

- Add option to integrate with Apple Wallet
- Improve security by allowing access without unlocking phone
- Add support for other ID types (e.g., military, concealed carry)


## Frequently asked questions

### Is SmartCredit® free?

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

### Is LA Wallet free?

LA Wallet is free to download, with no in-app purchases.

### Which has better reviews, SmartCredit® or LA Wallet?

LA Wallet is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while LA Wallet averages 3.4 from 1.2K ratings.

### Do SmartCredit® or LA Wallet have ads?

Neither SmartCredit® nor LA Wallet shows ads.

### Which is updated more often, SmartCredit® or LA Wallet?

SmartCredit® ships an update every 3 months, and LA Wallet every 6 weeks. Most recently, SmartCredit® was updated on November 1, 2026 and LA Wallet on November 2, 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.*