Name: SmartCredit.com
Rating: 4.7

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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

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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.

8 years ago

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Camelia Saltos

STAY AWAY - do not sign up. Everything is a lie and the score boost pay down is BS - you will pay down all the money they recommend and then get a small fraction of the points advertised. FALSE ADVERTISEMENT!! When you cancel they make you call and they make it IMPOSSIBLE TO STOP PAYMENTS!

1 year ago

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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!!!

2 years ago

Reply from SmartCredit.com

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 supervisor@smartcredit.com. We would be happy to look into any issue you may have.

Oct. 23rd, 2023

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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.

12 years ago

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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.

4 years 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.

7 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.

11 years ago

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Mark Howie Ashburn, Virginia

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

1 month 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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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.

4 years ago

Reply from SmartCredit.com

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 supervisor@smartcredit.com. 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.

5 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.

13 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 🛑

5 years ago

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Jonathan Logan WA

Hard to cancel. Keep billing my credit card

2 years ago

Reply from SmartCredit.com

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 supervisor@smartcredit.com. We would be happy to help!

Sep. 12th, 2023