# SmartCredit® vs i2Infinity Transformations

The clearest difference is in-app purchases: SmartCredit® at none against i2Infinity Transformations's 4. i2Infinity Transformations's advantage is iOS requirement (13.0 vs 15.6). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. i2Infinity Transformations sells 4 in-app purchases, starting at $0.49 per month. SmartCredit® asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on September 30, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | SmartCredit® | i2Infinity Transformations |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews)** | — |
| Number of ratings | **155** | — |
| Positive reviews | 33.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | Free with in-app purchases | — |
| Size | 29 MB | 26 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Bhupendra Suri](https://appshunter.io/developer/1552856372) |

## 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


### i2Infinity Transformations

[App page](https://appshunter.io/ios/app/i2infinity-transformations/id1552856370)

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $0.49 | per month |
| Pro Access | $0.49 | per month |
| Pro Access | $5.49 | per 6 months |
| Pro Access | $8.99 | per year |


## Frequently asked questions

### Is SmartCredit® free?

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

### Is i2Infinity Transformations free?

i2Infinity Transformations is free to download, with in-app purchases available.

### Do SmartCredit® or i2Infinity Transformations have ads?

Neither SmartCredit® nor i2Infinity Transformations shows ads.

### Which is updated more often, SmartCredit® or i2Infinity Transformations?

SmartCredit® ships an update every 4 months, and i2Infinity Transformations every 4 months. Most recently, SmartCredit® was updated on September 30, 2026 and i2Infinity Transformations on October 2, 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.*