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LAST UPDATED: June 8th, 2022 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 your 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. 

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The Good

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

Integrated Personal Finance Tools

A big part of what makes more unique than a standard credit monitoring service is that it provides its 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 spendings 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/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. 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 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.

Mobile App Offered earns marks for providing a mobile app for its service. It provides most of the functionality of the full website by allowing users to access their full Smart Credit Report, credit score, money management features, alerts, and more.

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, with the premium membership being the most costly option between the two. 


The Bad

  • Undisclosed Scoring Model
  • Monthly Membership Fee
  • Security Concerns

Undisclosed Scoring Model

It is unclear which credit scoring models utilizes to provide its customers with credit scores. For example, most companies in the industry use either the FICO or VantageScore model, but this company has not disclosed the model that it uses. This lack of transparency may be a red flag to some potential customers. 

Monthly Membership Fee

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

Although the company's fees aren't incredibly high, it may turn customers away since there are other credit monitoring companies that offer free services. However, most free credit monitoring services do not offer as much as those who charge a monthly rate. In fact, provides significantly more features than most companies in the industry. 

Security Concerns

Although there have been no reported data breaches or privacy complaints, one must always be wary about handing over so much personal information to one website. Because it does more than monitor consumers' credit, has access to bank account information and other sensitive data that makes it an especially big target to hackers.

The company's website is certified as secure by Norton, McAfee, and others, but users should carefully consider whether or not they're comfortable with placing all their financial eggs in one basket.


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 fairly 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 be smarter with their spending. 

While does provide quite a bit in terms of resources and services, the company does not seem to offer anywhere close to the same level of credit monitoring functionality as many of its competitors. Further, it is unclear which scoring model the company uses.

Ultimately, SmartCredit could be a good option if you expect to make heavy use of its action buttons to dispute inaccuracies, negotiate better terms, and streamline communication with your lenders, otherwise, users might be able to find a better value elsewhere.

View Best Credit Monitoring Companies

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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

2 years ago