SmartCredit® vs rmResident
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Credit score tracking
- Personalized credit improvement plans
- Credit monitoring
- ID fraud insurance
- Online information exposure monitoring
- Credit report analysis
- Money management
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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.
rmResident
Manage your rental property with ease. Make and view payments, submit and track maintenance requests, and review account information securely from your mobile device.
- View account information
- Pay rent and fees
- Set up auto-pay
- Submit maintenance requests
- View past work orders
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rmResident* is a secure, easy-to-use mobile app you can use to make and view payments, review existing maintenance requests, submit new ones, and more. With rmResident, you can pay rent and other fees, set up monthly auto-pay, and send maintenance requests to your property manager—anytime, anywhere. Features: • Review all your account information quickly and easily • Pay your rent and other fees, view transactions, and set up auto-pay to streamline your future payments • Create maintenance requests when something in your space needs to be serviced or repaired, and view past work orders directly from the app *rmResident is only for renters at properties that use Rent Manager property management software. Please contact the owner of your property to see if rmResident will work for you.
Screenshots
Verdict
The clearest difference is monetization model: rmResident at free against SmartCredit®'s free with in-app purchases. rmResident also leads on update cadence (monthly vs every 3 months) and ratings volume (2.1K vs 155). On price, rating, review sentiment and ads 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
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 3.5 for rmResident. That said, the two scores are not equally well evidenced: rmResident has 2.1K 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 28% of rmResident's.
SmartCredit® ships an update every 3 months, rmResident monthly. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.
| Parameter | SmartCredit® | rmResident |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (155 ratings) | 3.5 (2.1K ratings) — better |
| Positive reviews | 33.7% of reviews — better | 28.0% of reviews |
| Number of ratings | 155 | 2.1K — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | — | #137 — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.6 | 14.0 — better |
| Further details — not scored | ||
| Size | 26 MB | 22 MB |
| Age rating | 4+ | 4+ |
| Developer | ConsumerDirect Inc | LCS |
Customer experience
SmartCredit®
rmResident
User reviews
SmartCredit®
From 155 App Store ratingsWhat we love
- 👍 User-friendly interface
- 📈 Helps improve credit score
- 💰 Useful for financial management
- 🛡️ Removes personal info from websites
- 🏠 Aids in house buying process
Room to improve
- ❌ Login issues are frequent
- 💸 App is often a scam or misleading
- 🚫 Difficult to cancel membership
- 📉 Credit score doesn't improve
- 💰 Charged after cancellation
rmResident
From 2.1K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient rent payment
- 🚀 Fast and efficient
- 🚀 Helpful for maintenance requests
Room to improve
- 💰 Excessive convenience fees
- 🐛 Buggy and unreliable
- 🔍 Lack of payment history and transparency
- 🔍 Difficult to navigate and use
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 moreShow fewer
- 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 moreShow fewer
- Provide better customer support
- Ensure credit score improvements are visible
- Stop charging after cancellation
rmResident
Reported bugs
4 issues- Login issues and inability to reset password
- Maintenance requests not properly tracked
- Autopay and payment processing failures
- Inconsistent and confusing user interface
Requested features
4 requests- Option to pay partial rent or split payments
- Ability to view payment history and account details
- Improved communication with property managers
- Better mobile app experience and functionality
In-app purchases
SmartCredit®
No in-app purchases
rmResident
No in-app purchases
Questions
Is SmartCredit® free?
Is rmResident free?
Which has better reviews, SmartCredit® or rmResident?
Do SmartCredit® or rmResident have ads?
Which is updated more often, SmartCredit® or rmResident?
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