# SmartCredit® vs ADP WorkForce Suite

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.

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 1.6. 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.

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.

## The numbers

| Metric | SmartCredit® | ADP WorkForce Suite |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews)** | [1.6 (122 ratings)](https://appshunter.io/ios/app/adp-workforce-suite/id1494519609/reviews) |
| Number of ratings | **155** | 122 |
| Positive reviews | **33.7% of reviews** | 6.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 29 MB | 57 MB |
| Requires iOS | 15.6 | **13.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [WorkForce Software LLC](https://appshunter.io/developer/1367944052) |

## 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


### ADP WorkForce Suite

[App page](https://appshunter.io/ios/app/adp-workforce-suite/id1494519609)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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