SmartCredit
in Credit Monitoring Tools from CONSUMERDIRECT, INC
Would you recommend SmartCredit to your friends?
| Community Rating |
Rating not yet determined |
| Triple Bureau Credit Monitoring | Yes |
| Identity Theft Insurance | Yes |
| Max Monthly Fee | $19.95 |
SmartCredit Review
What is SmartCredit?
CONSUMERDIRECT, INC 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. You can monitor your credit by yourself or by using a credit monitoring service, such as SmartCredit.
How much is SmartCredit?
SmartCredit charges a monthly fee that ranges from $13.95 up to $19.95.Does CONSUMERDIRECT, INC offer free credit monitoring services?
No, SmartCredit does not offer free credit monitoring.
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.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.
Your credit reports can differ significantly depending on which credit bureau's data you use. So, it is a good practice to check all three credit reports. However, SmartCredit only offers access to TransUnion's credit report.
Credit scores also vary depending on the model used, such as Vantage or FICO 8. SmartCredit does not give you access to your FICO score. Other score models, such as VantageScore, are useful but they don't show you the score most lenders are looking at.
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.
| Description | |
|---|---|
| Credit Bureau Reporting | TransUnion |
| Credit Monitoring Features |
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| Credit Report Frequency | Monthly |
| Identity Protection |
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Does SmartCredit offer identity protection?
SmartCredit offers the following identity protection service.| Supported Options | Unsupported Options |
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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.Does SmartCredit help you put a credit freeze on your credit report?
No, SmartCredit does not help you put a freeze on your credit report. This article provides a detailed step-by-step guide on how you can do it yourself.
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?
- Visit the CONSUMERDIRECT, INC website.
- Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
How does SmartCredit compare to other credit monitoring companies?
| Pros | Cons |
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Feature Breakdown
| Monthly Fee | $13.95 - $19.95 |
| Max Monthly Fee | $19.95 |
SmartCredit Community Reviews
Would you recommend SmartCredit to your friends?
