SmartCredit®

ConsumerDirect Inc.

About this app

SmartCredit®
Control your future credit score!™

SmartCredit® helps you control your credit score, money and identity in one place. Easily see what's helping or hurting your credit score and get a personalized plan to make it better, so you can qualify for loans with the best rates, as quickly as possible.

SmartCredit® even safeguards the points you gain with unmatched credit monitoring and ID fraud insurance.

KEY FEATURES:

SCORETRACKER
Easily track all your scores with simple charts or in-depth information.

SCOREBUILDER®
See exactly what's helping or hurting your credit score and get your personalized, 120-Day Plan to a better score.

SCOREBOOST™
Discover how your spending strategies can unlock hidden credit points using our patented credit data science.

PRIVACYMASTER®
See where your private information is exposed online and request removal with one swipe.

NEWLY DESIGNED 3B REPORTS & SCORES
It's never been so easy to read and understand your TransUnion, Equifax and Experian credit reports.

ACTION BUTTONS
Remove credit reporting errors, identity theft and ask questions directly with your creditors using our patented Action Buttons.

MONEY MANAGER
All your online banking, credit cards and investments in one place, with Action Buttons to quickly resolve problems or ask questions with your financial institutions.

$1 MILLION WHOLE FAMILY FRAUD INSURANCE
Full coverage for your whole family, including pre-existing issues you did not know about. Free with your membership. Activation is required.

Ratings and reviews

Horrible. I gave it 90 dlays to see what it could do. This didn't help my score not even 1 point after 30 days. I got 0 responses from the actions taken here. This was a waste of 29.95 a month. I wish they had a money back guarantee. You have to search through FAQ to fond out how to cancel. It's not easy to cancel. They try to sell you on three different pages different products before you can finally cancel. Maybe this works for some but for me it was DOG POO.

Decent. One of the better credit monitoring apps out there, with some foibles. The scores are accurate and with the plan you get unlimited updates. However, I followed the recommendations for Score Boost and the results were only about a 50% increase in their projected points. Also, whenever you try to contact a creditor through their "instant delivery" facility, you get a letter back from the creditor stating they don't take action from credit repair company requests.

It works well but when trying to use the scorebuilder always get a "Page not found" at the end when you try to submit a request, that is in the Discover case, not sure about others options but probably be the same.

What’s new

Misc bug fixes.