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  SmartCredit
SmartCredit
in Credit Monitoring Services from ConsumerDirect, Inc
Unaffiliated

SmartCredit

Unaffiliated
in Credit Monitoring Services from ConsumerDirect, Inc
Net Recommendation Score -33  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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.

Rating not yet determined  

1 user recommends
0 users are unsure
2 users don't recommend
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Highlights
Community Rating

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Monthly Fee $13.95 - $19.95

SmartCredit Review

SmartCredit Pros & Cons
Pros Cons
  • Offers access to the data of multiple credit bureaus.
  • Provides identity protection.
  • FICO Scores are not available.
  • Will not help with disputing errors on your credit report.
  • Will not help you with freezing your credit report.
  • No free credit monitoring.
  • No free trial available.
  • Does not provide access to all three national credit bureau reports.
  • Does not allow you to check your updated credit report anytime you want.
SmartCredit FAQ

What is SmartCredit?

ConsumerDirect, Inc is based in Irvine, 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.

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.

SmartCredit offers access to the credit reports mentioned below.

Credit Bureau Reporting

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

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
  • Experian
  • Equifax
  • TransUnion
Credit Monitoring Features
  • Mobile App
  • Credit Change Alerts
  • Credit Analysis Calculator
  • Dispute Help
  • Historical Score Tracking
  • Free Trial Available
  • Triple Bureau Credit Monitoring
Credit Report Frequency Anytime
Free Trial Available?
Identity Protection
  • Identity Theft Insurance
  • Identity Theft Monitoring

Does SmartCredit offer identity protection?

SmartCredit offers the following identity protection service.
Identity Protection
Supported Options Unsupported Options
  • Identity Theft Insurance
  • Identity Theft Monitoring
  • Identity Restoration Support

Does SmartCredit help with fixing credit report errors?

No, SmartCredit does not help with credit report error disputes.

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?

  1. Visit the SmartCredit website.
  2. Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, and address.
  3. Check the information is accurate and submit your application.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From ConsumerDirect, Inc

It is now easier than ever to track all your scores with simple charts or in-depth information. See exactly what is helping or hurting your credit score. Get your 120-Day Plan to a better score. Be the master of your credit score! Use ScoreMaster® before you apply for credit, make payments or spend money. Plus, Your Money, Credit & Insurance.

Contact

Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About SmartCredit

Feature Breakdown

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

SmartCredit Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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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