Monday, November 9, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
295 reviews
SmartCreditSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
SmartCredit is an all-in-one credit and financial wellness platform that goes beyond simply showing your credit score. It lets you view your full three-bureau reports, take action on negative items to potentially get them removed, and helps you maximize your credit utilization ratio with a simple simulator.Not only that, you can link to your financial accounts and manage all of them from their easy to use dashboard,protect your identity, and prevent you personal information form being sold online. If you’re serious about taking your credit to the next level all on your own, getting better lending terms, and protecting your data and identity, SmartCredit gives you the tools to do that.
SmartCredit (smartcredit.com) has 295 customer reviews on The Fair Hearing, with an average rating of 4.3 out of 5.
Showing 228 reviews with 5 stars · Clear filters
Since working with SmartCredit, our correspondence has been low-tech easy, my credit score has increased by 59 points, and my student loan debt is now under the US government's discernment of being discharged. Thanks so much!
By Allan M.
The app makes it easy to dispute negative items on my credit reports. Not all of the disputes have been successful but I did get 2 corrections made which bumped by score up by about 50 points. As far as apps go, the monthly rate might seem a bit high but if you're looking to get a handle on your credit it's well worth it.
By alexandra
as a person that doesnt do many reveiws i took the time to say the app is easy to navigate and showed me some things that credit karma did not have i do have a above average score but i see this as a great app that can help get a better score with the many extras
By Brian H.
Was offered a 1-month free trial and gave this site a try last year to see if it could dispute and remove a exorbitant surprise medical bill from my credit report. After uploading the collection documents, I was surprised and impressed to find that it was removed from my report in less than a month. My credit score has gone from the low 600s to the mid 700s over the last year (with some diligence on my part in reducing credit accounts), but this made a significant impact as well. I did have a hiccup where the collection magically reappeared on a different bureau, but I disputed it through the credit karma app and it was removed again swiftly. I am now happily paying about 10$ a month for Smart Credits premium membership. No complaints so far, website interface could use some improvements, but the service works as advertised.
By JOSEPH C.
