SmartCreditSmartCredit 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 Five Star Index, with an average rating of 4.3 out of 5.
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Investments & Wealth · Seal Beach, California
Excellent
Investments & Wealth · Irvine, California
Excellent
Investments & Wealth · Calabasas, California
Excellent
Investments & Wealth · Orange, California
Excellent
Showing 40 reviews with 1 star · Clear filters
Nataly
I don’t like how it takes too much money away from me.
Response from SmartCreditAug 10, 2026
Thank you for sharing your feedback. We understand your concerns regarding the cost of your membership. We want our members to have a clear understanding of their membership and any associated charges. Please contact our Customer Support team at 877-372-3895 so we can review your account, answer any questions, and discuss the options available to you.
Kery S.
Horrible.!!!!! Solicité un préstamo de 150€ supuestamente con 0 intereses. Me han ingresado 100€ y tengo que devolver 140!!! Les comento que esos son unos intereses abusivos que solo fue lo que yo solicité y siempre como todo su excusa en que he firmado un contrato contrato en el cual no conseguí encontrar esta información. Les digo que quiero poner una reclamación y me dicen que se lo puedo decir a este mismo mail. Y yo le digo que quiero una reclamación formal con un número de seguimiento etcétera y nunca me han respondido
Response from SmartCreditAug 10, 2026
Creemos que esta reseña hace referencia a otra empresa. SmartCredit no presta servicios fuera de Estados Unidos ni acepta tarjetas de crédito emitidas fuera de Estados Unidos. Basándonos en los detalles proporcionados, no parece que este comentario esté relacionado con nuestra empresa ni con nuestros servicios.
Yovanna A.
The company advertises a “$1 seven-day trial” that supposedly includes access to credit reports and scores from all three credit bureaus. However, after signing up, I was additionally charged $19.95, which they later claimed was an “add-on” required to access all three bureaus. Based on the advertisement, this extra charge was not made clear upfront and was misleading. I am posting this review to make other consumers aware so they can carefully review the terms before providing payment information.
Response from SmartCreditJun 1, 2026
Thank you for sharing your feedback. We understand the importance of clear pricing and want to clarify that our service does provide access to credit reports and scores, including additional score models such as auto, insurance, and employment scores. Different membership options are available depending on the reports and scores a customer would like to access. If you believe you were enrolled in the wrong plan, we encourage you to contact our support team so we can review your account and help ensure you're on the membership that best fits your needs.
Cassandra C.
Overpriced credit monitoring service that promises you all three reports, but I have not been able to get an updated one in the last few months. I would rather use one of the credit bureaus own reporting services than theirs.
Response from SmartCreditJun 1, 2026
Thank you for your feedback. We're sorry to hear you've had difficulty accessing an updated 3B report. While our service provides access to all three credit reports at a cost that many customers find reasonable, we understand that timely access to reports is important. If you're experiencing issues obtaining your updated 3B report, please contact our support team directly so we can review your account and troubleshoot the issue. We're committed to ensuring our members receive the services included with their membership and would welcome the opportunity to assist you.
Patricia
Fatal no pidáis nada con ellos, desde tres días antes de que venza el crédito te están acosando a ti y a tus familiares, te llaman con mil números y aun no eres moroso... Vergonzoso. La última ha sido descubrir que han intentado acceder a mi cuenta bancaria, si si tal lo escucháis, intentan abrir tu cuenta bancaria en lugar de enviar el recibo a la tarjeta te tratan de abrir la cuenta, en cuanto pagas sea el crédito o el aplazamiento dejan de intentarlo. Lo hemos denunciado porque yo no les autorizo a que entren en mi cuenta, yo les autorizo a que me cobren el crédito no a que realicen acciones que atentan contra mi imagen, mi dignidad y mi privacidad. Y que sea el juez quien decida si pago o no, porque esto ya se pasa de castaño oscuro, no se ha venido el plazo y me están intentando entrar, tengo dirección IP y tengo todo, y son ellos mismos!!!!
Response from SmartCreditJun 1, 2026
Creemos que esta reseña hace referencia a otra empresa. SmartCredit no presta servicios fuera de Estados Unidos ni acepta tarjetas de crédito emitidas fuera de Estados Unidos. Basándonos en los detalles proporcionados, no parece que este comentario esté relacionado con nuestra empresa ni con nuestros servicios. We believe this review is referring to a different company. SmartCredit does not provide services outside of the United States, and we do not accept credit cards issued outside of the United States. Based on the details provided, this does not appear to be related to our company or services.
No N.
Smart Credit (Brightside Credit) are scams. Don't waste your time or money with either of these companies. If I could rate them a "-0" that's is where they should be. I cancelled services and 3 months later, I am still being charged the monthly fee, which is beyond ridiculous to me. I informed them that I cancelled my card on my file due to the multiple times I was charged and this dumb company tried per their reps to refund my "cancelled card" 5 plus times and now tell me there is nothing they can do???? I asked if they could provide me the back-up (source docs) to show where they attempted to refund me and it was rejected so I could contact my bank and the dumb rep tells me that they are unable to provide me that information. Someone is lying! Are you serious, their reps, leads and supervisors are pathetic. This is not proper anything at all. My advice is RUN past "Smart Credit and Brightside Credit" as both parties are scandalous. No work was ever completed yet they brag about being able to clear and or clean up your credit. FOLKS do your research and more importantly keep your MONEY and clean your credit up yourself and folks out of your life and business!
Response from SmartCreditJun 1, 2026
This is not the experience we strive to provide. We take billing and refund concerns seriously and would like the opportunity to review your account in detail. Please contact us directly so we can investigate and work toward a resolution.
Ramon E.
Estafadores
Response from SmartCreditJun 1, 2026
Creemos que esta reseña hace referencia a otra empresa. SmartCredit no presta servicios fuera de Estados Unidos ni acepta tarjetas de crédito emitidas fuera de Estados Unidos. Basándonos en los detalles proporcionados, no parece que este comentario esté relacionado con nuestra empresa ni con nuestros servicios. We believe this review is referring to a different company. SmartCredit does not provide services outside of the United States, and we do not accept credit cards issued outside of the United States. Based on the details provided, this does not appear to be related to our company or services.
April
My credit report made a huge jump because I paid off my accounts. NOT due to anything SmartCredit did. The only thing SmartCredit did was continue to charge me a huge monthly fee.
Response from SmartCreditDec 17, 2025
We’re glad to hear your credit score has improved, and congratulations on paying down your accounts, as that can certainly have a positive impact. We do want to clarify that SmartCredit’s membership fee is $29.95 per month, and we do not charge a “huge” monthly fee. In some cases, members may also be working with a another company or credit professional who uses our platform, which can involve separate fees outside of SmartCredit’s control. If you’d like us to review your account, billing, or confirm exactly what services you were enrolled in, please reach out to [email protected] and we’ll be happy to assist.