# SmartCredit® vs Turnit

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | SmartCredit® | Turnit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews) | **[5.0 (8 ratings)](https://appshunter.io/ios/app/turnit-before-you-burn-it/id6758681178/reviews)** |
| Number of ratings | **155** | 8 |
| Positive reviews | 33.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 26 MB | 34 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Brandon Hazael Pompa Retana](https://appshunter.io/developer/1874414331) |

## 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


### Turnit

[App page](https://appshunter.io/ios/app/turnit-before-you-burn-it/id6758681178)

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:** macOS Compatibility

**In-app purchases:** none


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