Name: SmartCredit.com
Rating: 4.7

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Mark Ellensohn Rancho Santa Margarita, California

Everything seems to be accurate. I’m always improving and thank you for everything.

2 months ago

Reply from SmartCredit.com

Progress looks good on you! 🚀 Thank you for letting us be part of your journey. Every step forward is worth celebrating, and we're excited to keep supporting you as you continue reaching your financial goals. Keep up the amazing work!

Jul. 2nd, 2026

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Ashley Todd Callaway, Florida

Smart credit was amazing with helping me set a goal for my credit. I will recommend to anyone.

2 months ago

Reply from SmartCredit.com

Your success is exactly why we do what we do. Thank you for letting SmartCredit be part of your credit journey. We're excited to help you turn your goals into achievements, and we're incredibly grateful for your recommendation!

Jun. 29th, 2026

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Jonathan Griffin Azusa, California

I haven’t seen my results yet and have contacted SnartCredit with no response yet . I have submitted every paperwork they ask for but I haven’t heard from them yet .. very frustrating

2 months ago

Reply from SmartCredit.com

We understand your frustration and want to help. Please contact our Customer Service team at 877-372-3895 so we can review your account and provide an update.

Jul. 2nd, 2026

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royal Lawrenceville, Georgia

love the paydown dates and reminders to keep you on track with your credit cards!

2 months ago

Reply from SmartCredit.com

We're so glad you're making the most of those features! Staying on track is easier with the right tools, and it's wonderful to hear the paydown dates and reminders are helping you stay focused on your credit goals. Thanks for sharing your experience!

Jun. 25th, 2026

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Verified Customer

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Avis

I rate smart credit great for following and maintaining my credit history but when it comes to customer service the ratings are poor.

7 months ago

Reply from SmartCredit.com

We appreciate you taking the time to share your experience. It’s great to hear that SmartCredit has been helpful in tracking and maintaining your credit history. To help us look into the customer service concern further, please ask them to contact accounthelp@smartcredit.com with additional details.

Feb. 6th, 2026

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Aleyda Berrios Rivera San Juan, Puerto Rico

Excelente en su trabajo y amabilidad y preocupación

1 month ago

Reply from SmartCredit.com

¡Muchas gracias por sus amables palabras! Nos alegra saber que recibió un excelente servicio y que se sintió atendido con amabilidad y dedicación. Agradecemos mucho que haya compartido su experiencia.

Aug. 10th, 2026

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Izhak Mazri Aventura, Florida

Smart credit you are amazing Service is great

1 month ago

Reply from SmartCredit.com

You just made our day! 🌟 Thank you for the amazing shoutout. Providing great service and a great experience is what we strive for, and we’re so happy to hear we delivered. We appreciate you! 💙

Aug. 11th, 2026

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Shannon wright Livonia, Michigan

It help you get to where you need to be there right wat.

1 month ago

Reply from SmartCredit.com

We love hearing this! 🌟 Thank you for trusting us to help you move in the right direction on your credit journey. We appreciate you!

Aug. 11th, 2026

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Felipe Salinas New York, New York

Nesecito aumentar mi credito para hacer negocios

1 month ago

Reply from SmartCredit.com

¡Gracias por compartir su objetivo! Nos alegra ser parte de su camino para fortalecer su crédito y le deseamos mucho éxito en sus futuros negocios.

Aug. 3rd, 2026

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Breanna Haqq Chicago, Illinois

My credit score is improving, and I'm loving it!!

1 month ago

Reply from SmartCredit.com

16. That's fantastic to hear! We're excited to be part of your credit journey and love knowing you're seeing positive results. Keep up the great work, and we wish you continued success reaching your financial goals!

Jul. 23rd, 2026

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Laurence Radaza Manila, National Capital Region

Awesome. Osvaldo was very good and very helpful.

1 month ago

Reply from SmartCredit.com

It's wonderful to hear you had such a positive experience! We're glad Osvaldo was able to provide helpful support. We appreciate your recommendation and look forward to being part of your financial journey.

Jul. 23rd, 2026

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Carlos Radcliffe Minneapolis, Minnesota

Because it helped me to get my credit up

1 month ago

Reply from SmartCredit.com

We're so glad SmartCredit has helped you improve your credit! Thank you for sharing your experience. We wish you continued success as you work toward your financial goals.

Jul. 23rd, 2026

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Gustavo Orlando, Florida

Friends talk about smart credit good experience

1 month ago

Reply from SmartCredit.com

Thank you for sharing your experience! We're so glad to hear that you had a good experience with SmartCredit. It means a lot that friends recommended us, and we appreciate you trusting us to be part of your credit journey. Thank you for your support!

Jul. 15th, 2026

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Angel

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.

3 years ago

Reply from SmartCredit.com

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 supervisor@smartcredit.com

Aug. 3rd, 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!

14 years ago

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Ejil patanao New York, New York

This guys know what their doing .they handle my credit score so fast

1 month ago

Reply from SmartCredit.com

Thank you for your feedback! It's rewarding to hear you noticed such quick progress with your credit. We appreciate your trust and are excited to be part of your financial journey!

Jul. 23rd, 2026

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Charly Jeannis Philadelphia, Pennsylvania

You guys are great and I'm glad that I can be a part of you guys team

1 month ago

Reply from SmartCredit.com

We're honored to have you as part of the SmartCredit team! Your support means a lot to us, and we're excited to continue helping you reach your financial goals. Here's to continued success together!

Jul. 23rd, 2026

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Tamika Taylor Atlanta, Georgia

The agent I spoke with was very helpful and pleasant to speak with

2 months ago

Reply from SmartCredit.com

We're delighted to hear you had such a positive experience! Providing helpful, friendly service is what we strive for every day. We appreciate your feedback and your support!

Jul. 23rd, 2026

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Gloria McGinister Kansas City, Kansas

They are doing a great job with keeping me updated with everything

2 months ago

Reply from SmartCredit.com

Thank you for your review! We're committed to keeping you informed every step of the way, and we're grateful to know that our updates have made a difference. We appreciate your support!

Jun. 25th, 2026

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Decoshia cooper Huntsville, Texas

Very punctual and helpful!! Took time to figure out what my problem was!!

2 months ago

Reply from SmartCredit.com

Your feedback means a lot to us! We're pleased to hear our team was able to identify the issue and provide the support you needed. Thank you for taking the time to share your experience!

Jun. 25th, 2026

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Victor Akron, Ohio

To keep an eye out for changes and watch my score jump

1 month ago

Reply from SmartCredit.com

Watching your score climb is one of the best parts! 📈 Thanks for trusting SmartCredit to help you stay on top of every change and celebrate every step forward.

Aug. 3rd, 2026

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Lakesha Gadsden Temple Terrace, Florida

It took NO time for the increase in my credit scores. SmartCredit also gives you the knowledge that you need to keep your credit scores up plus the superior customer service. Thank you!

1 month ago

Reply from SmartCredit.com

We're thrilled to hear about your positive experience! It's wonderful to know you've seen an increase in your credit scores and that the educational tools and customer service have helped you stay on track. We appreciate your support and wish you continued success on your credit journey!

Jul. 23rd, 2026

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Ruby Boone Hialeah, Florida

Smart credit has educated me to be disciplined and stay on top of my credit. It monitors fraud, dark webs and motivates me to keep my credit in good condition. Thank you Smart Credit I will recommend you everytime🥰

1 month ago

Reply from SmartCredit.com

We're delighted to hear SmartCredit has helped you stay disciplined and confident in managing your credit. It's great to know the fraud monitoring, dark web alerts, and credit tools have made a positive impact. We truly appreciate your recommendation and wish you continued success on your financial journey!

Jul. 23rd, 2026

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Diego Martinez San Juan, Puerto Rico

Hannah and Antony the best thanks for helping me

1 month ago

Reply from SmartCredit.com

Thank you for the kind words! We're so glad Hannah and Antony were able to help. We'll be sure to share your recognition with them—they'll truly appreciate it. Thanks for choosing SmartCredit!

Jul. 23rd, 2026

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Eligio Lozano Houston, Texas

Great service. Customer service was very helpful

1 month ago

Reply from SmartCredit.com

Thank you for your feedback! It's great to hear you had a positive experience and found our Customer Service team helpful. We appreciate your support and are always here to help you on your credit journey!

Jul. 23rd, 2026

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Marcus Lofton Bentonia, Mississippi

To monitor my credit score and to stay on top of my score.

2 months ago

Reply from SmartCredit.com

Staying on top of your credit is one of the smartest financial habits, and we're honored to be part of that journey! Thanks for choosing SmartCredit to help you monitor your score and keep you informed every step of the way.

Jul. 7th, 2026

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Eduardo Gomez Pembroke Pines, Florida

Muy buen trabajo me aumeoel crédito en 147 puntos gracias

2 months ago

Reply from SmartCredit.com

¡Felicidades por aumentar tu puntaje de crédito en 147 puntos! Nos alegra haber sido parte de tu progreso. Gracias por confiar en SmartCredit y por compartir tu experiencia.

Jul. 7th, 2026

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Makeba Jackson Hicksville, New York

Love credit smart, my credit looks amazing.

2 months ago

Reply from SmartCredit.com

Thank you for the great feedback! We're so happy to hear that you're loving SmartCredit and that your credit is looking amazing. Helping our members stay informed and make progress toward their financial goals is what we're all about. We truly appreciate your support and thank you for being a valued SmartCredit member!

Jul. 7th, 2026

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Mohamed bouazzza Boston, Massachusetts

Good experience my credit score went up thank you

2 months ago

Reply from SmartCredit.com

Thank you for your kind words! We're so glad to hear you had a great experience and that your credit score improved. We appreciate you trusting us to be part of your journey and wish you continued financial success. If you ever need anything in the future, we're here to help!

Jun. 30th, 2026

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Ryan Rodriguez Columbus, Mississippi

Runs will smooth and it keeps me updated

2 months ago

Reply from SmartCredit.com

It's great to hear everything is running smoothly and that you find our updates helpful. We appreciate you taking the time to share your experience and look forward to continuing to support you on your financial journey!

Jun. 30th, 2026

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Chad San Antonio, Texas

Worked with them for a while, I recommend them.

2 months ago

Reply from SmartCredit.com

It’s been a pleasure working with you. We appreciate your recommendation and look forward to continuing to serve you!

Jun. 25th, 2026

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Juluis Sinkfield Fairburn, Georgia

Very professional,very kind and understanding.

2 months ago

Reply from SmartCredit.com

Thank you for your kind words! We truly appreciate your feedback and are grateful for the opportunity to assist you. Thank you for your support!

Jun. 25th, 2026

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Mark Howie Ashburn, Virginia

Susan was super nice to deal with and had lots of patience

2 months ago

Reply from SmartCredit.com

Susan proved that great service is about more than having answers—it's about making every interaction feel easy and comfortable. Thank you for recognizing her kindness and dedication. We'll be sure she knows the positive impact she made!

Jun. 23rd, 2026

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Verified Customer

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Willis

SmartCredit has been a lifesaver thank you

6 months ago

Reply from SmartCredit.com

That’s amazing to hear — thank you! We’re so glad SmartCredit has been helpful for you. We’re always here whenever you need us.

Feb. 20th, 2026

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kevin mac

To me it’s a scam…. I did everything myself I paid them 174 a month to do absolutely Nothing.. don’t waste your time… there’s gonna be a new excuse every month on why… I haven’t had a credit pull in over a year… everything they promised was bullshit

8 months ago

Reply from SmartCredit.com

We take feedback like this seriously. Our platform offers credit-management tools and guidance, and results can vary depending on individual situations and usage. If you’d like to discuss your experience, our team can be reached at 877-372-3895.

Feb. 6th, 2026

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Darnell H. Jefferson Township, Ohio

I paid off my credit cards. You guys haven’t did anything yet but I’m still waiting.

1 month ago

Reply from SmartCredit.com

Thank you for your feedback! We understand the wait can be frustrating. We appreciate your patience and encourage you to reach out so our team can review your progress with you.

Aug. 11th, 2026

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Michelle Dixon Philadelphia, Pennsylvania

I knew i needed a change, in my future, so I worked, with Smart Credit @ they took me To Higher Lengths, so Awesome, They definitely get you where you wanna be!

1 month ago

Reply from SmartCredit.com

We're so glad to hear SmartCredit has been part of your journey! It's wonderful to know our tools helped you work toward your goals and build a brighter financial future. We appreciate your recommendation and wish you continued success!

Jul. 23rd, 2026

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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.

2 years ago

Reply from SmartCredit.com

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 SmartCredit.com rather CreditHeroScore.com. This is not our company nor affiliated with it.

Oct. 23rd, 2023

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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!.

6 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!

8 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.

12 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. :)

13 years ago

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Verified Customer

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Toni

Part of LCI. Promised $18K cc dispute for timeshare would get resolved. Almost 3yrs later, still waiting.

6 months ago

Reply from SmartCredit.com

We are not affiliated with LCI. We do not handle disputes, review cases, or make promises about resolving or removing any debts. Our product is a neutral tool only and does not participate in individual case outcomes. If you have any concerns please contact at 877-372-3895 or email accounthelp@smartcredit.com.

Feb. 12th, 2026

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James Williams

This company Does nothing for you. It sells your personal information and makes it almost impossible to unsubscribe. I am still in the process of trying once you create a login they make it to where you cannot re-Login And unsubscribe then they charge you $29.99 a month Continuously because you cannot stop them without being able to login. They have no customer support zero way to contact them. The only way to unsubscribe is to login that’s creating a conundrum where you are being Fraudulently Extorted they should be in prison.

1 year ago

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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.

3 years ago

Reply from SmartCredit.com

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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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 smartcredit.com first, which I reluctantly did. Right after I signed in with smartcredit.com, was not able to reach anyone, and they blocked my account on smartcredit.com and charged me 24.99. To my surprise when I called smartcredit.com 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.

5 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.

5 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

6 years ago

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DIATRICH DEWALT Phoenix, AZ

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.

6 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

8 years ago