# SmartCredit® vs rmResident

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.

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.

## The numbers

| Metric | SmartCredit® | rmResident |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews) | **[3.5 (2.1K ratings)](https://appshunter.io/ios/app/rmresident/id1540124885/reviews)** |
| Number of ratings | 155 | **2.1K** |
| Positive reviews | **33.7% of reviews** | 28.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | — | **#162** |
| Size | 26 MB | 22 MB |
| Requires iOS | 17.6 | **14.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [LCS](https://appshunter.io/developer/601134019) |

## 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


### rmResident

[App page](https://appshunter.io/ios/app/rmresident/id1540124885)

**Currently charting:** #162 Top Free · Productivity (US App Store)

Manage your rental property with ease. Make and view payments, submit and track maintenance requests, and review account information securely from your mobile device.

**Highlights:** View account information, Pay rent and fees, Set up auto-pay, Submit maintenance requests, View past work orders

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient rent payment
- 🚀 Fast and efficient
- 🚀 Helpful for maintenance requests

**What reviewers complain about**

- 💰 Excessive convenience fees
- 🐛 Buggy and unreliable
- 🔍 Lack of payment history and transparency
- 🔍 Difficult to navigate and use

**Reported bugs**

- Login issues and inability to reset password
- Maintenance requests not properly tracked
- Autopay and payment processing failures
- Inconsistent and confusing user interface

**Requested features**

- 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


## Frequently asked questions

### Is SmartCredit® free?

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

### Is rmResident free?

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

### Which has better reviews, SmartCredit® or rmResident?

rmResident is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while rmResident averages 3.5 from 2.1K ratings.

### Do SmartCredit® or rmResident have ads?

Neither SmartCredit® nor rmResident shows ads.

### Which is updated more often, SmartCredit® or rmResident?

SmartCredit® ships an update every 3 months, and rmResident monthly. Most recently, SmartCredit® was updated on October 29, 2026 and rmResident on October 27, 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.*