Comparison

SmartCredit® vs ADP WorkForce Suite

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Credit score tracking
  • Personalized credit improvement plans
  • Credit monitoring
  • ID fraud insurance
  • Online information exposure monitoring
  • Credit report analysis
  • Money management
Features
Read full description

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.

About

ADP WorkForce Suite

Manage your work schedule and track your time from anywhere. This app provides employees with secure time tracking, schedule visibility, and leave request management. It's designed for deskless workers to stay compliant and organized.

Highlights
  • Secure clock in/out and time tracking
  • View personal and team schedules
  • Check leave balances
  • Submit time-off requests
  • Ensure compliance with policies
  • Mobile accessibility for deskless employees
Features
Read full description

WorkForce Suite is an enterprise-grade workforce management app designed to support the modern deskless workforce. With capabilities like time tracking, schedule visibility, and mobile accessibility, the app empowers employees to manage their work from anywhere, all while adhering to their organization’s security and compliance policies. Key features include: Clock in/out and track time securely View your personal and team schedules (depending on configuration) Check leave balances and submit time-off requests Stay compliant with labor and IT access policies Designed for use by mobile and deskless employees Please note: The WorkForce Suite requires your employer to use WorkForce Software Time, Scheduling, or Absence. Feature availability is determined by your employer and may vary by organization. Some settings, such as login timeouts, access restrictions, or shift visibility, are configured by your company’s IT or HR administrators. If you experience issues accessing the app, please contact your organization’s WorkForce Software administrator. WorkForce Suite is not a consumer app. It requires an active account provided by your employer and is intended for enterprise use only.

Screenshots

SmartCredit®3 screens
ADP WorkForce Suite4 screens

Verdict

The call

The clearest difference is rating: SmartCredit® at 3.4 against ADP WorkForce Suite's 1.6. SmartCredit® also leads on review sentiment (34% vs 6%). ADP WorkForce Suite's advantage is update cadence (every 3 weeks vs every 4 months) and monetization model (free vs free with in-app purchases). On price, ratings volume, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

SmartCredit® holds the better App Store score, 3.4 against 1.6. Both are backed by a comparable volume of ratings — 155 and 122 respectively. Written reviews point the same way: 34% of SmartCredit®'s written reviews are positive against 6% of ADP WorkForce Suite's.

UpkeepUpdate frequency

SmartCredit® ships an update every 4 months, ADP WorkForce Suite every 3 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
SmartCredit® versus ADP WorkForce Suite: the parameters behind the verdict, then further details
ParameterSmartCredit®ADP WorkForce Suite
PriceFreeFree
Rating3.4 (155 ratings) — better1.6 (122 ratings)
Positive reviews33.7% of reviews — better6.2% of reviews
Number of ratings155 — better122
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613.1 — better
Further details — not scored
Size29 MB57 MB
Age rating4+4+
DeveloperConsumerDirect IncWorkForce Software LLC

Customer experience

SmartCredit®

All ratings155 ratings
Positive58.1%
Neutral1.9%
Negative40.0%
Written reviews95 reviews
Positive33.7%
Neutral2.1%
Negative64.2%

ADP WorkForce Suite

All ratings121 ratings
Positive14.0%
Neutral5.0%
Negative81.0%
Written reviews81 reviews
Positive6.2%
Neutral7.4%
Negative86.4%

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 more
  • 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 more
  • Provide better customer support
  • Ensure credit score improvements are visible
  • Stop charging after cancellation

ADP WorkForce Suite

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SmartCredit®

No in-app purchases

None

ADP WorkForce Suite

No in-app purchases

Questions

Is SmartCredit® free?
SmartCredit® is free to download, with no in-app purchases.
Is ADP WorkForce Suite free?
ADP WorkForce Suite is free to download, with no in-app purchases.
Which has better reviews, SmartCredit® or ADP WorkForce Suite?
SmartCredit® is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while ADP WorkForce Suite averages 1.6 from 122 ratings.
Do SmartCredit® or ADP WorkForce Suite have ads?
Neither SmartCredit® nor ADP WorkForce Suite shows ads.
Which is updated more often, SmartCredit® or ADP WorkForce Suite?
SmartCredit® ships an update every 4 months, and ADP WorkForce Suite every 3 weeks. Most recently, SmartCredit® was updated on October 23, 2026 and ADP WorkForce Suite on October 24, 2026.

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