SmartCredit®Reviews 155

Smart Credit allowed me to view my credit report, advised me where my credit card utilization was, and I made a plan to pay down my credit cards. It told me what card to pay, when to pay it and also WHEN I could expect my score increase! Also I was able to communicate with my creditors and correct errors on my credit report and also I did debt negotiations directly with the creditors that I did owe to get those issues resolved. All with the action button! I would highly recommend this to anyone its very user friendly and very affordable

Signed up for this bc it was highly recommended by another company that was funding me. Come to find out, I could've used any tool to check my scores and I see that they recommend smart credit bc they get a cut for everyone that they refer over. Smart credit said my equifax was 737 and when keybank pulls it, it was only a 680! I got denied not only by keybank but by many other banks I applied for. I was not happy at all. Also, when I signed up they charged me $29.95 twice! Once for signing up and another for the credit pull! Then this company kept pulling more and I was charged 2 more times so a total of 4 charges at $29.95 each! I called very furious and they did not refund anything and said it was my fault and their policy to not refund. They can go $#*! themselves! I'll never use them and only stick to these free ones since they all do the same thing and show the exact same scores as smart credit does. Honestly, the best way to know your scores is to sign up directly with each credit bureau. It is more expensive, but at least you'll have accurate scores so you know what you're working with before applying for loan(s).

-ryan

They sent me my credit scores Online and then I requested a copy of my scores from the credit bureau. And the scores smart credit had were actually almost 40 to 100 points different from what my scores actually were. I'm so upset I actually gave this company my personal information and access to my credit files. This company should be reported to the better business bureau for fraud. Do your own homework and check your own scores.

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!

They make it so hard to cancel you are likely to pay out 30 to 60 dollars before you get the account closed. Once you find the link (using google) to cancel the try to "up sell" you over 4 windows, while telling you all the great stuff you are missing by canceling their useless service. Once you get past the up sell, they tell you that you must call to cancel. After forever on hold the up sell starts again. I resorted to escalating emails, starting at "please cancel" and ending in "I am going to flag future charges as FRAUD". They cancelled finally. Stay away, even though Jean Chatzky's name is attached they are BAD BAD BAD.