Smart Credit Mobile App
••• offers an interactive credit report that’s easier to read and understand than a traditional credit report. Rather than reading scrolling through pages of account history, the SMART credit report lets you flip through your credit report information piece by piece as if you were turning the pages of a book.

What Can You Do on SmartCredit?

As you view each tradeline on your credit report, lets you take a variety of actions based on the information on your credit report. For example, you can:

These SMART actions are sent directly to the creditors or credit bureaus electronically and their response is sent back the same. The benefit: you don't have to worry about having the right address or account number.

You can easily gauge your credit standing with a variety of credit scores: a traditional credit score, an auto score, insurance score, and employment score. To my knowledge, no other source provides you with such a holistic view of your credit standing. ( provides a credit score, VantageScore, and insurance score for free no credit card required, but you don't get to see your credit report.)

The future score simulator lets you gauge how your credit score would improve if you took specific SMART actions against your credit, e.g. having a debt removed via goodwill letter.

Subscribing to will also give you access to a few other apps like the Jean Chatzky Score Builder, which helps you improve your credit score in 120 days, and the Debt Negotiator system for settling debts on your own.

Monthly Cost

SmartCredit offers two membership levels: basic and premium. The basic membership is currently priced at $13.95 per month and comes with two monthly updates to your credit report and score and unlimited access to the ScoreTracker, ScoreBuilder, ScoreMaster, Credit Monitoring, and Money Manager. You can also take five credit actions each month.

The premium membership, priced at $19.95 per month, offers all the same benefits of the basic membership plus unlimited updates to your Smart Credit Report & Scores, unlimited actions.

Both membership levels have a la carte access to 3B Report and Scores and $1 million in ID fraud insurance. Activation is required for the fraud insurance offers a 5-day trial and 30 days risk-free. If you cancel within 7 days, you pay nothing. If you cancel within 30 days, you can request a refund of what you’ve been charged. You don’t get access to your SMART credit report after you’ve canceled your membership.


When you sign up for Smart Credit, you'll get access to the VantageScore 3.0. The score is great for educational purposes to get a feel for where you stand, but be aware that the lender may use another credit score. You'll also have access to your auto score, insurance score, and hiring risk index.

Bottom Line

While presents an interesting and easy-to-understand way to look at your credit report and the $13.95 price is comparable to what you'd pay for a credit report and score from a bureau. While SMART actions can be completed with templates you find on the internet or letters you create on your own, the SMART button submits directly to your creditor on your behalf.

It would be nice if there was an option to just view your credit report and scores, for a fee of course after you've finished your trial.

Disclosure: The company provided free access to this service for review purposes. For more information, please see our Ethics Policy.