Is SmartCredit.com Legit? Everything You Need to Know

Andrew Reyes
A person filing out a credit check form on their computer.
Reading Time: 3 minutes

Smart Credit is a credit monitoring company that helps you increase your credit score by identifying potentially erroneous negative items on your report. The company aids in credit repair with consistent monitoring features that alert you to changes in your score or new items on your report. The Smart Credit customer service department can be reached at 877-372-3895 Monday through Friday from 9 a.m. to 8 p.m. Eastern Standard Time.

When you sign up for the Basic subscription for $13.95 per month, you gain access to two credit report updates each month. You can also take five actions to repair your credit per month, such as disputing an erroneous negative item or asking a creditor a question about your debt. You gain access to unlimited credit monitoring and score tracking, as well as $1 million in identity fraud coverage.

If you’re looking for a credit repair company that keeps a close eye on your report, you may benefit from learning more about Smart Credit. Reviewing account features and the actions that can positively affect your credit score will help you to determine if the credit monitoring service is right for you.

Smart Credit Report

When you sign up for credit monitoring services, you’re provided with a Smart Credit Report. The company pulls your credit report and offers an interactive version that makes it easier to identify how your score is calculated.

When you view your Smart Credit Report, you’ll see “action buttons” which show you where items are reported. You can click on these action buttons to ask a question or get more details about a specific item and how it affects your credit score.

The action button provides options for the steps you can take to dispute an item on your credit report that shows up erroneously. In some cases, you may also be connected directly to the creditor, such as Bank of America or Merrill Lynch, to dispute an item or ask a question.

Smart Credit App

You can gain access to your Smart Credit account features through a mobile app. The Smart Credit app is available for both iOS and Android operating systems and allows you to set smartphone alerts that notify you of changes to your credit score or newly reported items.

When you view your Smart Credit Report on the mobile app, action buttons are still available to report erroneous transactions. The app also displays additional charts and graphs that show how your score is calculated.

Smart Credit Premium

If you want a more robust service from Smart Credit, you can pay $19.95 per month for the Premium version. You’ll receive all the features of the Basic edition, such as identity theft protection and access to your account on the mobile app, as well as the following:

  • Unlimited access to Smart Credit reports and your credit score each month.
  • The ability to engage in unlimited actions on negative items on your credit report.
  • One update per month on all three credit bureau reports.

Lenders, financial institutions, and landlords use your FICO credit score to determine how much risk they’ll take on with you as a borrower. Therefore, it’s important to be aware of your current score and what’s affecting it.

Money Manager

Smart Credit’s Money Manager feature provides you with a comprehensive snapshot of your current financial situation. To use this feature, connect your bank and credit card accounts with your Smart Credit account.

When you sign into your account and utilize the Money Manager feature, you’ll see reconciled account balances with daily transaction summaries. Having a firm grasp on your finances helps you to develop good financial habits that will positively impact your credit score.

The Money Manager feature also allows you to closely monitor the transactions on all accounts by sending alerts about new activity. When you’re alerted, review the transaction to confirm you haven’t become the victim of theft. Each transaction alert also comes with an action button, which allows you to report an erroneous transaction or ask your financial institution a question immediately.

Alerts and Insurance

If a change to your report or score occurs, you’ll receive an alert by email or through your app if you allow notifications. When you look at your Smart Credit report, you can quickly take action against erroneous items by clicking on the action button next to the item in question.

The button allows you to instantly inform your financial institution that there’s an erroneous charge. If a fraudulent account is opened in your name, the action button allows you to quickly report criminal activity.

As a Smart Credit customer, you also have $1 million in identity fraud insurance with no deductible. The family members in your household and all bank accounts are covered by this insurance. It also covers out-of-pocket expenses you incur from identity theft and replacement costs for new identification, such as a driver’s license.

If you want to make sure your credit report is accurate and need a firm grasp on what contributes to your credit score, Smart Credit report monitoring may be right for you. Review the two membership tiers and fees associated with these accounts before deciding to activate the service.


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