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LAST UPDATED: October 20th, 2023 offers a unique Smart Credit Report that provides users with more insight than a normal credit report, along with the ability to directly contact lenders through its service to quickly negotiate better terms, lower interest rates, higher credit limits, and more.

The credit monitoring service offers two memberships which include access to the company's ScoreTracker, ScoreBuilder, and ScoreMaster features.

Additionally, members can get unlimited credit monitoring, credit reports, and scores from the credit bureau of their choice, a money manager tool, and up to $1 million in identity fraud insurance. 

Keep reading to learn more about's credit monitoring services and to read customer reviews. 

Top Ranked Companies


The Good

  • Integrated Personal Finance Tools
  • Smart Credit Report
  • Action Buttons
  • Unlimited Credit Report Refreshes
  • Membership Options

Integrated Personal Finance Tools

A big part of what makes stand out from a standard credit monitoring service is that it provides customers with helpful personal finance tools alongside credit monitoring.

Similar to Mint, can link to consumers' bank accounts, major lenders, brokerage accounts, and so forth.

Once these accounts are linked, begins pulling consumers' transactions, purchase history, and payments each day. This lets consumers see all of their spending in one place and even includes insightful reports and charts to help consumers see where all of their money went, as well as net worth calculations and more.

The company's ScoreTracker tool gives consumers access to their credit history and is designed to help consumers see how they are progressing with their credit.'s ScoreBuilder tool allows consumers to view the negative accounts that are weighing down their credit score and provides consumers with a 120-day plan that is designed to help them build their credit.

Lastly, the company's ScoreMaster tool is designed to help consumers actively monitor their credit card activity, spending, and payments. 

Smart Credit Report's major selling point is its patented Smart Credit Report, which is basically a new way of displaying information found in a traditional credit report alongside money management features.

For example, if someone is browsing their credit report and sees that one of their credit cards has a higher balance than they remember, they can click a button and quickly see all of the recent transactions on that card. This provides users with an easy way of being able to see how their individual daily decisions contribute and form the numbers on their credit reports.

If a user's credit score is hurting because they're carrying a high balance on one of their cards, they can quickly dive in and see what they can cut from their spending to bring that balance down and improve their overall score.

Action Buttons

While browsing the Smart Credit Report, users are presented with a giant orange button for each account that reads Take Action. Clicking on it will take customers to a window where they can take many actions, for example:

  • Request an increased credit limit
  • Inquire about a particular transaction
  • Request a lower interest rate
  • Ask for a derogatory mark to be removed
  • Negotiate to settle or defer payments

These are all things that can typically be done over the phone or at each lender or bank's website, but being able to do all of them from one central location is pretty impressive and is a definite time-saving feature. What's more, even allows users to dispute individual credit card charges that they don't recognize.

In short, makes it easy and simple to negotiate with major lenders and correct inaccuracies on one's credit report. 

Unlimited Credit Report Refreshes

Unlike some other companies in the credit monitoring industry, has not placed a limit on how often Premium-paying customers can refresh their credit report. This means that customers can access their scores and information in real time instead of having to wait until the end of the week, month, or year to view their current scores.

Membership Options

The company offers two credit monitoring membership options: the basic membership and the premium membership.

The Basic membership includes two Smart Credit report and score updates per month, unlimited use of ScoreTracker, ScoreBuilder, and ScoreMaster, five actions per month, unlimited credit monitoring and use of the money manager, a la carte credit reports, and credit scores from all three major credit bureaus, and up to $1 million in identity theft insurance.

The Premium membership includes unlimited Smart Credit report and score updates as well as unlimited use of the score tracker, score builder, score master, and money manager tools, unlimited actions, credit monitoring, a la cart credit reports, and score from the major credit reporting bureaus, and up to $1 million in identity theft insurance. 

Each membership offered costs a recurring monthly fee: $19.95 for Basic and $27.95 for Premium. 


The Bad

  • Monthly Membership Fee
  • Bank Info Utilized for Comprehensive Analysis 

Monthly Membership Fee

Unlike some other companies in the credit monitoring industry, charges customers monthly fees for its credit monitoring services.

Although the company's fees aren't incredibly high, it may turn customers away since other credit monitoring companies offer free services. 

That being said, most free credit monitoring services do not offer as many features as services with a monthly payment model. provides significantly more features than most companies in the industry. 

Bank Info Utilized for Comprehensive Analysis 

Because it does more than monitor consumers' credit, requires access to bank account information and other sensitive data, which may deter some prospective customers. takes great measures to protect customer data, using SSL encryption, employing Qualys security, and maintaining PCI DSS compliance. Although there have been no reported data breaches or privacy complaints, it’s a good practice to be discerning with the information you’re sharing with companies. 


The Bottom Line brings a unique blend of personal financial tools and credit monitoring to the industry. The functionality of the Smart Credit Report and its action buttons are impressive in comparison to what the majority of credit monitoring companies offer.

The company has several unique financial integration tools like ScoreTracker, ScoreBuilder, and ScoreMaster to help customers keep track of and maintain their credit scores. The company also has a money manager tool that can be incredibly useful to customers who want to spend smarter. 

Ultimately, SmartCredit is a good option if you expect to make good use of its comprehensive financial tools to dispute inaccuracies, negotiate better terms, and streamline communication with your lenders.

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24 Reviews

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Iridyan Mendoza Phoenix, AZ

I recently had the misfortune of signing up for a free trial membership with Smart Credit, and I must say, it has been an absolute nightmare. I wanted to share my experience and warn others about the unethical practices of this company. After just a week of using their service, I quickly realized that the premium membership was not what I was looking for. So, I took the necessary steps and canceled my subscription five days ago. Little did I know that this would be the beginning of a relentless onslaught from Smart Credit. Despite canceling my membership, the company has shamelessly attempted to charge my debit card multiple times a day for the past five days. It is clear that they have no regard for ethics or the principle of obtaining proper authorization. This behavior is nothing short of fraudulent and scam-like. I strongly advise against anyone, even considering their free trial. Smart Credit will not hesitate to make unauthorized charges to your debit or credit card, leaving you feeling violated and taken advantage of. This company's lack of integrity is truly shocking and disheartening. If you are in need of checking your credit score with all three credit bureaus, I highly recommend Experian. They offer a transparent two-week trial without any attempts to charge your credit card without authorization, unlike Smart Credit. In conclusion, Smart Credit's website and company are a disgrace. Their fraudulent practices and blatant disregard for customer consent make them unworthy of anyone's trust. Save yourself the trouble and stay far away from this unethical and scammy organization.

1 month ago Logo

Reply from

This members account was closed appropriately as outlined and we have not billed her after the trial period. In a previous review screenshots were attached of the attempting billing. They are not for rather This is not our company nor affiliated with it.

Oct. 23rd, 2023

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I had a great experience with SmartCredit. I think they should offer some type of tutorial or quick "get started" feature to get you acquainted with all the features. My credit score went up about 50 points in 3 months. They provide an overview of which bills to pay to increase your credit score. They have letters that are simply print and sign to send directly to the credit bureau. The only reason I am rating them 4 stars is because they continued to charge me after I cancelled online and over the phone.

4 months ago Logo

Reply from

We sincerely appreciate you taking the time to share your positive experience with us by giving a 4-star review. If you have not resolved your billing situation already, please contact us at (877) 372-3895 or email us at [email protected]

Aug. 3rd, 2023

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Nidtreas New Orleans, LA

I would give a 0 if I could. This company is a rip off. There contract states if your score doesn’t go up 100 points in 90 days, they would cancel the contract. They are still trying to debit my checking account. I had to go and get a new debit card. DO NOT USE THIS COMPANY!!!

1 month ago Logo

Reply from

Thank you for the review. We believe you have us confused with another company. We do not offer a 90 day contract. Our membership is a month to month membership and you can cancel at any time. Please reach out to us at [email protected]. We would be happy to look into any issue you may have.

Oct. 23rd, 2023

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Susan Young Dallas, TX

THEY JUST TOOK MY MONEY ... 1 STAR TOO MANY. After 24 months of SMARTCREDIT taking 21.99 from my bank account, I discover that NOTHING has been done to my account. I paid for NOTHING, when I signed up for credit repair. Now they say it's only to monitor my account, when there are dozen of apps that will monito your account for free. They say I signed ... and the very very very small print said they could just take my money. BUYER BEWARE That's my experience.

5 months ago Logo

Reply from

We're sorry to hear that our services didn't meet your anticipations. To clarify, we are not, and have never promoted ourselves as a credit repair organization, and this is not mentioned anywhere on our site. Our platform is a user-based model. It is possible you may have been working with another company that utilized our site as part of the services they provided to you. We can see you contacted our Customer Service Department last week and we provided four refunds of $21.99.

Jun. 12th, 2023

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Brent Howzer Lehi, UT

I'm not sure what other credit report sites let you contact your creditor directly, but I think thats the best feature. I've used it many times, and was able to make many corrections to my credit report because of it. Nothing major, but some wrong info can sink you like a stone!

11 years ago

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Tria Granite City, IL

I am completely dissatisfied with this service, some of the account numbers do not show at all. There are two accounts mixed in within each other so I had to scroll up and down just to review the inconsistencies between the bureaus. Had I know I would have this experience I would have maintained receiving credit reports from TransUnion, Experian and Equifax. I request a full refund of the $13.95 and $29.95 back to my account immediately. All the information you provide should of course be in alignment and it was not!!! I'm super annoyed and when I thought I would just go ahead to give it try in helping increase my score, I was incredibly wrong!.

3 years ago

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Shannon R Landreth Brandon, MS

If i could give negative stars of this "credit monitoring" company I would. This is the most ridiculous company I have ever dealt with. I visited their website on 11/18 and have been trying to cancel my membership since 11/20 due to the holiday I was unable to accomplish this (I called and emailed -BTW you CANNOT go to their website and "select cancel memembership) Once I finally got ahold of the company the dude that answered the phone argued with me about me actually trying to cancel, lectured me about how I need to keep the membership and check my information frequently...thank you Credit Karma I do this with ease with you and if I would like I can go through the same thing in December because he will give me a free month...BUT I need to call back and try to cancel this again. No thank you just give me my refund and cancel this dang thing. I honestly have not ever been argued with in the way I just was, I said that both times I have called i was on hold for over 5 minutes and was told "hmmm that is strange because just now it was ONLY 4 minutes and 18 seconds." Um actually JERK it was 5 minutes 28 seconds...I am timing you on my cell phone without even having to push a timer...WOW way to talk a customer into staying and keeping your service...Beware of this one, this guy had me seeing red!

6 years ago

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Jennifer Chicago, IL

probably THE worst customer service I have ever received. When I called to cancel my recurring monthly payments (and was told they would cancel any future payments) no change was actually made to the account. When checking my credit card statement I noticed they had continued to bill me the next 2 months. I called back to request a refund, (since they did NOT in fact cancel my payments as they told me they would) but they would not issue a refund as they somehow had no record of my call. I was very disappointed with the rude way I was spoken to on the phone and also with the company's refusal to discuss the matter in a civilized way.

9 years ago

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Jinny S. Lehi, UT

Still in the trial, but I like what I see! Totally simple to see where your credit is at, and easy to contact each creditor! Best news is, it's higher than I thought. :)

11 years ago

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Florence Augustin Orlando, FL

Only because I cannot give less than one star. I requested information to sign up for credit repair. I was told I have to sign up with first, which I reluctantly did. Right after I signed in with, was not able to reach anyone, and they blocked my account on and charged me 24.99. To my surprise when I called customer services I found out they are also the credit repair company under the name Top Flight. Took me 3 calls and about 2 hrs total of being on hold to have my account cancelled.

2 years ago

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Ariana Dupar Pilates Miami, FL

my score went down 21 pts. I was tracking my progress and telling m agent news about my score. I have never told about my rights to cancel my membership my five-day cancelation policy My agent did not help me to cancel my membership. she told me do it my self. I want my money back. since less in a month, i had to cancel my accont before my score go under 600.

3 years ago Edited September 14, 2021

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Bella Whiting, NJ

Because of them I disputed an account on my credit n now I’m in collections. After 3 yrs the account was closed. No good company did nothing for me all my disputes stayed the same. Took my money and did nothing

4 years ago

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First month was great paid basically 100 for get started and 20 a month after. 20 suppose to come with unlimited mean removals fixing things of that nature. But I know that they are not going to actually do that every month. Ok that's out the way they started off good sent out 6 letter for removal and I got 3 removed. Which is ok then they wait a month to see the results. That's another 20 which is ok I understand. Then after that nothing just l. Paid another 2 month for no work done and I'm suppose to have been on the unlimited plan. Not at all happy with these guys.

4 years ago

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Deambe Corona, CA

I contacted this company to be removed from their service in which I never signed up for, by far worst customer service, sounds like the agent was working from home, Audrey did not use active listening skills, she talked in circles telling me I did use their service. I asked if they were associated with wallet hub she stated she doesn’t know because they have hundreds of affiliates. If I could give zero stars I would

5 years ago

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Kim Clearwater, FL

This is a great product! It is easy to use and has so many tools to help you keep track of your funds and increase your credit score.

5 years ago

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Nolan Houston, TX

Terrible customer service. I did not know which option I was signing up for as it doesn't give you the choice. Tried contacting customer service to resolve the issue. 20 minutes on hold. Tried to cancel my membership online and I was forced to call back as they would not cancel it. Never again.

9 years ago

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Jonathan Logan WA

Hard to cancel. Keep billing my credit card

2 months ago Logo

Reply from

Sorry you are having difficulty closing your account. We currently do not have any active accounts under your name. Please call us at (877) 372-3895 or email us at su[email protected]. We would be happy to help!

Sep. 12th, 2023

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PJ Hoschton, GA

I keep getting an email from them saying password recovery. I contacted them about this last year and keep getting these emails. Seems like a scam to me.

1 year ago Edited June 9, 2022

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Michael Archer Lake Forest, CA

SmartCredit Helped me raise my score from low 600's to 800 in less than a year.

4 years ago

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david morgan Wexford, PA

I was to get a free week then when I tried to cancel I was told I would get 30 days free. I tried to cancel 3 days later and all I get is a phone loop.

9 years ago

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Scott C. Palm Beach Gardens, FL

You absolutely can't cancel this service. If you call they don't answer, and don't bother emailing them, waste of time. Fraud, Fraud, Fraud.

1 year ago Logo

Reply from

Thank you for your review. We are sorry you had difficulty location the cancellation wizard online. You can call our customer service or follow the instructions below: 1) Log into the account 2) Click on the person icon 3) Choose FAQ's 4) Scroll to 2nd to last questions and click on "HERE" 5) Follow instructions to close If you have any other questions, please email [email protected]. Someone will assist you.

Mar. 30th, 2022

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Nick w Salado, TX

Typical quick fix credit repair scam. No real foot work on their part. They charge you for what you already can/do for free.

2 years ago

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Chet S Lehi, UT

Just signed up after the trial. Worth it's weight. Signing up my son too.

11 years ago

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Cursed Rider ,

I have sent many messages asking y'all to stop charging my account but you keep trying. SO PLEASE STOP 🛑

2 years ago