Comparison

SmartCredit® vs Turnit

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

Turnit

This referral app simplifies inviting new users and tracking your progress. Earn bonuses for successful registrations and monitor your accumulated rewards. Request payouts and stay updated on your referral achievements through clear notifications.

Highlights
  • Share referral codes easily
  • Track referral status
  • View accumulated bonuses
  • Request payouts
  • Receive progress notifications
Features
Read full description

TurnIt is a referral app that allows you to invite people and earn bonuses for each successful registration. With TurnIt you can: • Easily share your referral code • Track the status of your referrals • View your accumulated bonuses • Request payouts when available • Receive notifications about your referral progress TurnIt does NOT handle money within the app. All bonuses and payments are managed externally by the corresponding administrator. The app is designed to be simple, clear, and secure, making it easy to manage your referrals in one place. TurnIt is ideal for users who want to grow their network and earn rewards transparently.

Screenshots

SmartCredit®3 screens
Turnit4 screens

Verdict

The call

The clearest difference is review sentiment: Turnit at 100% against SmartCredit®'s 34%. Turnit also leads on rating (5.0 vs 3.4) and update cadence (every 5 days vs every 3 months). SmartCredit®'s advantage is ratings volume (155 vs 8). On price, ads, in-app purchases and device support 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

Turnit holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: SmartCredit® has 155 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 34% of SmartCredit®'s written reviews are positive against 100% of Turnit's.

UpkeepUpdate frequency

SmartCredit® ships an update every 3 months, Turnit every 5 days. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.

Scorecard6 real differences · 4 level
SmartCredit® versus Turnit: the parameters behind the verdict, then further details
ParameterSmartCredit®Turnit
PriceFreeFree
Rating3.4 (155 ratings)5.0 (8 ratings) — better
Positive reviews33.7% of reviews100.0% of reviews — better
Number of ratings155 — better8
Update frequencyEvery 3 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.615.1 — better
Further details — not scored
Size26 MB34 MB
Age rating4+4+
DeveloperConsumerDirect IncBrandon Hazael Pompa Retana

Customer experience

SmartCredit®

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

Turnit

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

Turnit

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SmartCredit®

No in-app purchases

None

Turnit

No in-app purchases

Questions

Is SmartCredit® free?
SmartCredit® is free to download, with no in-app purchases.
Is Turnit free?
Turnit is free to download, with no in-app purchases.
Which has better reviews, SmartCredit® or Turnit?
Turnit is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while Turnit averages 5.0 from 8 ratings.
Do SmartCredit® or Turnit have ads?
Neither SmartCredit® nor Turnit shows ads.
Which is updated more often, SmartCredit® or Turnit?
SmartCredit® ships an update every 3 months, and Turnit every 5 days. Most recently, SmartCredit® was updated on November 1, 2026 and Turnit on October 24, 2026.

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