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  SmartCredit

SmartCredit

in Credit Monitoring Tools from CONSUMERDIRECT, INC

Unaffiliated

SmartCredit

Unaffiliated

in Credit Monitoring Tools from CONSUMERDIRECT, INC

Net Recommendation Score -100%

SUPERMONEY 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
Community Rating

Rating not yet determined  

Monthly Fee $13.95 - $19.95

SmartCredit Review

SmartCredit Pros & Cons
Pros Cons
  • Offers access to the data of multiple credit bureaus.
  • Experian's credit report.
  • TransUnion's credit report.
  • Equifax's credit report.
  • Helps with disputing errors on your credit report.
  • Free trial available.
  • Access to all three national credit bureau reports.
  • Access your updated credit report anytime you want.
  • Provides identity protection.
  • FICO Scores are not available.
  • Will not help you with freezing your credit report.
  • No free credit monitoring.
SmartCredit FAQ

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?

Yes, SmartCredit offers the option of a trial for a nominal price. However, check the terms of the trial. Usually, trials require a small fee and auto-renew into a full membership after the trial period.

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.

SmartCredit offers access to the credit reports mentioned below.

Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
  • 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 anytime you want.

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

    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.

    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 CONSUMERDIRECT, INC website.
    2. 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.
    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.

    Contact

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

    About SmartCredit

    Feature Breakdown

    Monthly Fee $13.95 - $19.95
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Credit Monitoring Features
    • Credit Analysis Calculator
    • Credit Change Alerts
    • Dispute Help
    • Free Trial Available
    • Historical Score Tracking
    • Mobile App
    • Triple Bureau Credit Monitoring
    Credit Report Frequency Anytime
    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

    -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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