# SmartCredit®

> Productivity

Canonical page: [https://chrome-stats.com/d/id783694780](https://chrome-stats.com/d/id783694780)

## Overview

- **ID:** `id783694780`
- **Platform:** Apple
- **Type:** Apple app
- **Status:** Available
- **Publisher:** ConsumerDirect Inc
- **Category:** Productivity
- **Rating:** 3.40 / 5 (155 ratings)
- **Version:** 2.2.8
- **Last updated:** 2026-08-11
- **First published:** 2014-01-08
- **Size:** 29 MB
- **Data as of:** 2026-09-21
- **Store listing:** [Apple App Store](https://apps.apple.com/us/app/smartcredit/id783694780)
- **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 is an all-in-one hub to control your credit score, money, and identity. With **SCORETRACKER**, you can easily view your scores with charts or detailed insights, while **SCOREBUILDER** reveals what helps or hurts your rating and offers a personalized 120‑Day Plan. Use **SCOREBOOST** to see how spending habits affect points using our data science, and **PRIVACYMASTER** to see where your private data is exposed online and remove it with one swipe.

Newly designed 3B Reports & Scores provide easy-to-read TransUnion, Equifax, and Experian data. With **ACTION BUTTONS**, remove reporting errors or fraud and ask creditors questions directly. The **MONEY MANAGER** brings online banking, cards, and investments together with quick support, plus $1,000,000 family fraud insurance for full protection when activated.

## Rankings

- #129,166 — Overall

## Review summary

Many reviews praise SmartCredit for potential credit score improvements and useful features like account aggregation and privacy controls. However, a large number of reviews cite serious reliability problems (constant login issues, crashes, and logout loops) and billing headaches (charges after cancellation, hard cancel processes). Some users label the service a scam or express frustration with support. Overall, the app offers valuable monitoring and privacy tools, but reliability and customer support must improve for broad satisfaction.

### Pros

- Potential credit score improvements reported by users (e.g., breaking 700 after months)
- Ability to manage multiple credit accounts in one app
- Privacy/helpful features like removing personal information from websites
- Score monitoring tools and insights (scoreboost usage)

### Cons

- Widespread login/sign-in issues and account access problems
- Frequent app crashes, instability, and automatic logouts
- Billing and cancellation problems including charges after cancellation
- Allegations of scams/fraud and perceived poor customer support
- Some users report little to no score improvement or promised results

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Source: [Chrome-Stats](https://chrome-stats.com/d/id783694780)