# SmartCredit®

> SmartCredit® Control your credit, privacy, money, and identity from one place.

Canonical page: [https://chrome-stats.com/d/com.smartcredit](https://chrome-stats.com/d/com.smartcredit)

## Overview

- **ID:** `com.smartcredit`
- **Platform:** Android
- **Type:** Android app
- **Status:** Available
- **Publisher:** ConsumerDirect Inc.
- **Category:** PRODUCTIVITY
- **Downloads:** 143,109
- **Rating:** 3.85 / 5 (200 ratings)
- **Version:** 2.2.4
- **Last updated:** 2026-09-14
- **First published:** 2021-10-21
- **Publisher country:** US
- **Size:** 21 MB
- **Data as of:** 2026-09-21
- **Store listing:** [Google Play Store](https://play.google.com/store/apps/details?id=com.smartcredit)
- **Website:** [https://www.smartcredit.com](https://www.smartcredit.com/)
- **Privacy policy:** [https://www.smartcredit.com/help/terms-and-privacy/privacy-policy.htm](https://www.smartcredit.com/help/terms-and-privacy/privacy-policy.htm)

## Description

SmartCredit® empowers you to take full control over your credit score, privacy, finances, and identity through a unified platform. With SmartCredit®, you can easily monitor all your credit scores using simple charts and detailed reports from TransUnion, Equifax, and Experian. The ScoreBuilder® feature provides personalized, 120-day plans tailored to improve your credit by showing what positively or negatively impacts your score.

Additionally, SmartCredit® offers innovative tools such as ScoreBoost™ to uncover hidden credit opportunities, PrivacyMaster® to manage your private information exposure online, and Action Buttons that let you dispute errors or interact directly with creditors and financial institutions. The integrated Money Manager puts all your banking, credit cards, and investments in one place for effortless financial oversight. Membership includes $1 million whole family fraud insurance with pre-existing coverage, providing unmatched protection for you and your loved ones.

## Rankings

- #187,609 — Overall

## Permissions and access

### Permissions

- `android.permission.BLUETOOTH`
- `android.permission.INTERNET`
- `android.permission.USE_BIOMETRIC`
- `android.permission.USE_FINGERPRINT`
- `com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE`
- `com.google.android.gms.permission.AD_ID`
- `com.smartcredit.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION`

## Review summary

Users generally find the app helpful for monitoring credit, but recurring downsides outweigh the positives for many: high costs, challenging cancellation, flaky reliability, and mixed results on credit improvement. Some praise its informative features and occasional helpful support, but several reviews describe loops sign-in, glitches, and charges despite attempts to cancel, framing the app as costly with questionable value for credit repair.

### Pros

- Useful for credit monitoring and tracking progress
- Informative tools and guidance on improving credit
- Some users view it as one of the better credit monitoring apps
- Positive experiences with customer support (agent) in some cases

### Cons

- High price and paid subscription; many users say it's expensive or not free
- Difficult to cancel subscriptions; hard to cancel and recurring charges
- Frequent glitches and reliability issues (sign-in loops, page not found, not updating, instant actions not working)
- Inconsistent or no improvement to credit; some users report worse scores or no disputes resolved
- Billing/support issues and reports of poor responsiveness

## Similar extensions and apps

- [Credit Solutions](https://chrome-stats.com/d/com.creditsolutions.smartcredit) — 342 users
- [ScoreMaster®](https://chrome-stats.com/d/com.consumerdirect.scoremaster) — 10,680 users, 2.88 / 5
- [SmartCred](https://chrome-stats.com/d/com.fintech.app.smartcred) — 16,323 users

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Source: [Chrome-Stats](https://chrome-stats.com/d/com.smartcredit)