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SmartCredit Reviews

Rated 3.5 based on 122 Reviews

2983 Michelson Dr, Irvine, CA 92612, United States

Uncategorized Irvine

Published on
July 10, 2025
Last updated
July 10, 2025

Reviews Summary

Overall sentiment toward SmartCredit's credit monitoring and repair services is largely negative, with reviewers consistently reporting issues around unauthorized charges, billing persistence after cancellation, and unresponsive customer service. A minority of users express satisfaction with the platform’s monitoring capabilities and interface, but most feedback highlights concerning patterns of distrust, allegations of fraud, and frustration regarding dispute resolution and communication failures.

Common feedback includes ongoing unauthorized billing even after account cancellation, difficulty reaching support, and allegations of data mishandling. Several reviewers detail experiences where their bank accounts were continually charged without consent, and some claim unaddressed security breaches involving personal information. Service delivery problems, such as delays in reporting or perceived lack of credit repair results, are frequently cited, contributing to a pattern of skepticism and dissatisfaction among users.

Based on recent customer feedback, SmartCredit faces major reputation challenges in the United States. Complaints about persistent billing, lack of transparency, and inadequate customer support overshadow the few positive notes. Overall, SmartCredit is currently viewed unfavorably in the credit services and financial technology sector, with credibility and trust cited as substantial concerns.
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What Customers Are Saying About SmartCredit?

I like how the site works

Highly recommend.

Trustguide extracts key phrases from reviews about SmartCredit and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 20% of SmartCredit's customers had a positive experience.

Positive
20%
Neutral
0%
Negative
80%

SmartCredit Ratings

1

As of Based on 122 revies as of Jul 10, 2025

SmartCredit Score

20%

As of Based on 122 revies as of Jul 10, 2025

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Customer Reviews

As of Jul 10, 2025, 122 customers have reviewed this business and rated it 3.5 Star out of 5. Trustguide conducted an in-depth analysis of SmartCredit's publicly available reviews View source

Lisa Maybon rated SmartCredit 1 stars
a month ago
I tried to cancel on their website and sent them messages and they still charged my bank account without my updated card info. They just went off of my address without my permission. I will be filing a formal complaint with BBB and CFPB if I do not get a refund.
Edward Dees rated SmartCredit 5 stars
6 months ago
I have read a lot of reviews about SmartCredit. I use the site only to monitor my credit reports. It's my 2nd month and I haven't had any issues. I understand credit repair so I haven't wasted extra money to pay "someone else" to do what anyone can do themselves. I like how the site works, layout, & offers best payment dates for each account. So far so good..
Preston Gann rated SmartCredit 1 stars
6 months ago
DO NOT SIGN UP FOR IT! They sold my social security and all of my other information. I received a email about it. And was told there’s nothing they can do about it.

Frequently Asked Questions About SmartCredit

How does SmartCredit handle subscription cancellations?

Numerous reviews report difficulties canceling subscriptions, with users experiencing continued billing even after requesting cancellation through the website or customer service channels. Users should ensure they receive written confirmation and monitor statements after cancellation.

Is customer support responsive at SmartCredit?

Many customers report challenges getting timely responses from SmartCredit's customer support. Reviews cite non-existent communication, unreturned messages, and unresolved issues even after contacting the company multiple times.

What features does the SmartCredit platform provide?

The platform offers credit report monitoring, payment date recommendations for accounts, and tools for managing third-party data access. Users interact with their credit data and receive updates through a secure online dashboard.

About SmartCredit

Uncategorized
SmartCredit provides digital credit monitoring and credit management services through an online platform. The company enables users to track their credit reports, receive updates on changes, and access tools related to credit health and data privacy. Services are delivered directly to users via subscription on the website.

SmartCredit operates on a subscription billing model. Users create accounts, manage their subscriptions, and interact with their credit information through the online dashboard. The platform offers features such as payment reminders, recommendations for optimizing credit scores, and information on third-party data access. Communication and support are managed digitally.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.