# SmartCredit® vs ID.me Authenticator

The clearest difference is rating: ID.me Authenticator at 4.3 against SmartCredit®'s 3.4. ID.me Authenticator also leads on monetization model (free vs free with in-app purchases) and ratings volume (100K vs 155). SmartCredit®'s advantage is review sentiment (34% vs 12%). On price, ads, in-app purchases and device support there is nothing between them.

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

ID.me Authenticator holds the better App Store score, 4.3 against 3.4. That said, the two scores are not equally well evidenced: ID.me Authenticator has 100K ratings behind it against 155, so its average is the more settled of the two. Written reviews complicate that: 34% of SmartCredit®'s written reviews are positive against 12% of ID.me Authenticator's, so the app with the better star average is not the one people write more warmly about.

SmartCredit® ships an update every 5 months, ID.me Authenticator every 2 months. The most recent releases landed on September 22, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | SmartCredit® | ID.me Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews) | **[4.3 (100K ratings)](https://appshunter.io/ios/app/idme-authenticator/id1446335066/reviews)** |
| Number of ratings | 155 | **100K** |
| Positive reviews | **33.7% of reviews** | 12.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | — | **#41** |
| Size | 29 MB | 22 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [ID.me](https://appshunter.io/developer/1189278595) |

## 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


### ID.me Authenticator

[App page](https://appshunter.io/ios/app/idme-authenticator/id1446335066)

**Currently charting:** #41 Top Free · Productivity (US App Store)

This app provides a free multi-factor authentication solution for your account, adding an extra security layer to prevent unauthorized access. It generates secure verification tokens, including time-based codes and push notifications, to confirm your identity during login.

**Highlights:** Multi-factor authentication (MFA), Time-based one-time passwords (TOTP), Push notification verification, Mobile security keys, Account protection from hackers

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Comprehensive identity verification
- 👍 Clean and straightforward interface

**What reviewers complain about**

- 🐛 Frequent technical issues
- 🕰️ Slow and unresponsive support
- 🤯 Confusing and frustrating workflow
- 🔒 Privacy and security concerns
- 🙍‍♀️ Poor user experience for non-tech-savvy individuals

**Reported bugs**

- Repeated login failures
- Inability to upload documents successfully
- Inconsistent error messages
- Compatibility issues with certain phone models

**Requested features**

- Improved customer support with live agents
- Simplified identity verification process
- Compatibility with more device types
- Ability to reset passwords and accounts easily


## Frequently asked questions

### Is SmartCredit® free?

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

### Is ID.me Authenticator free?

ID.me Authenticator is free to download, with no in-app purchases.

### Which has better reviews, SmartCredit® or ID.me Authenticator?

ID.me Authenticator is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while ID.me Authenticator averages 4.3 from 100K ratings.

### Do SmartCredit® or ID.me Authenticator have ads?

Neither SmartCredit® nor ID.me Authenticator shows ads.

### Which is updated more often, SmartCredit® or ID.me Authenticator?

SmartCredit® ships an update every 5 months, and ID.me Authenticator every 2 months. Most recently, SmartCredit® was updated on September 22, 2026 and ID.me Authenticator on September 25, 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.*