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SmartCredit

in Credit Monitoring Tools from SmartCredit

Unaffiliated

SmartCredit

Unaffiliated

in Credit Monitoring Tools from SmartCredit

Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Highlights
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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Max Monthly Fee $19.95
Identity Theft Insurance? Yes
Triple Bureau Credit Monitoring? Yes

SmartCredit Review

What is SmartCredit?

SmartCredit is based in Costa Mesa, CA and was founded in 2003. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity.

Monitoring your credit can also help you keep track of your credit scores so you can plan ahead and repair any issues that could hurt your credit. You can monitor your credit by yourself or by using a credit monitoring service, such as SmartCredit.

Does SmartCredit offer free credit monitoring?

No, SmartCredit does not offer free credit monitoring.

How much is SmartCredit?

SmartCredit charges a monthly fee that ranges from $13.95 up to $19.95.

Does SmartCredit offer a free trial?

No, SmartCredit does not offer a free trial.

How accurate is SmartCredit?

SmartCredit is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.

There are three main credit reporting agencies, Experian, Equifax, and TransUnion, and each one collects and stores information differently to generate its own credit report.

Your credit scores can also differ significantly depending on which report your score is based on. So, it is a good practice to check all three credit reports. Credit scores also vary depending on the model used, such as Vantage or FICO 8.

SmartCredit offers access to all three credit reports, which is a huge benefit if you want to ensure all the information used by creditors is accurate.

SmartCredit only offers access to TransUnion's credit report.

How often does SmartCredit update?

SmartCredit allows you to check an updated version of your credit report monthly.

What features does SmartCredit offer?

There are many credit monitoring services, free and premium, to choose from. So, you can get picky when it comes to credit monitoring features. Here is a summary of the features SmartCredit offers.

SmartCredit Features
Description
Credit Bureau Reporting TransUnion
Credit Monitoring Features
  • Credit Analysis Calculator
  • Credit Change Alerts
  • Dispute Help
  • Historical Score Tracking
  • Mobile App
  • Triple Bureau Credit Monitoring
Credit Report Frequency Monthly
Identity Protection
  • Identity Theft Insurance
  • Identity Theft Monitoring

Does SmartCredit offer identity protection?

SmartCredit offers the following identity protection service.
Identity Protection Options
Supported Options Unsupported Options
  • Identity Theft Insurance
  • Identity Theft Monitoring
  • Identity Restoration Support
  • What is the identity theft insurance limit?

    SmartCredit offers a maximum coverage for identity theft of $1,000,000.

    Does SmartCredit help with fixing credit report errors?

    Yes, SmartCredit helps dispute incorrect or incomplete items on their credit reports.

    How to contact SmartCredit?

    The easiest way to contact SmartCredit is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. click here.

    How to cancel SmartCredit?

    To cancel your SmartCredit account, log in as you usually do. Go to your profile or account page and request a membership cancellation.

    How can I join SmartCredit?

    1. Visit the SmartCredit website.
    2. Fill in the application form. You will typically need to provide general financial information, such as your name, Social Security Number, address, annual income, and source of employment.
    3. Check the information is accurate and submit your application.

    How does SmartCredit compare to other credit monitoring companies?

    Pros & Cons of SmartCredit
    Pros Cons
  • TransUnion's credit report.
  • Helps with disputing errors on your credit report.
  • Access to all three national credit bureau reports.
  • Provides identity protection.
  • Only offers access to the data of one credit bureau.
  • Does not offer access to Experian's credit report.
  • No access to Equifax's credit report.
  • FICO Scores are not available.
  • No free credit monitoring.
  • No free trial available.
  • Does not allow you to check your updated credit report anytime you want.
  • SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   3187 Red Hill, Suite 100
      Costa Mesa, CA 92626
    •   Visit Site

    About SmartCredit

    Feature Breakdown

    Monthly Fee $13.95 - $19.95
    Max Monthly Fee $19.95
    Credit Bureau Reporting
    • TransUnion
    Credit Monitoring Features
    • Credit Analysis Calculator
    • Credit Change Alerts
    • Dispute Help
    • Historical Score Tracking
    • Mobile App
    • Triple Bureau Credit Monitoring
    Credit Report Frequency Monthly
    Identity Protection
    • Identity Theft Insurance
    • Identity Theft Monitoring
    Online Credit Education  
    Access to Credit Report  
    Triple Bureau Credit Monitoring  
    Identity Theft Insurance Limit $1,000,000
    Fix Credit Report Errors  
    Identity Theft Insurance  

    SmartCredit Community Reviews

     

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