# SmartCredit® vs Phantom Focus

The clearest difference is update cadence: Phantom Focus at every 4 days against SmartCredit®'s every 3 months. 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.

SmartCredit® ships an update every 3 months, Phantom Focus every 4 days. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | SmartCredit® | Phantom Focus |
| --- | --- | --- |
| 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 | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 26 MB | 10 MB |
| Requires iOS | **17.6** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Maksim Timeshin](https://appshunter.io/developer/6796399393) |

## 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


### Phantom Focus

[App page](https://appshunter.io/ios/app/phantom-focus-screen-time/id6796399391)

**In-app purchases:** none


## Frequently asked questions

### Is SmartCredit® free?

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

### Is Phantom Focus free?

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

### Do SmartCredit® or Phantom Focus have ads?

Neither SmartCredit® nor Phantom Focus shows ads.

### Which is updated more often, SmartCredit® or Phantom Focus?

SmartCredit® ships an update every 3 months, and Phantom Focus every 4 days. Most recently, SmartCredit® was updated on November 1, 2026 and Phantom Focus on October 25, 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.*