Lucas R.
Be cautious when using SmartCredit for…
Be cautious when using SmartCredit for credit monitoring. Over the past year, I discovered that I had been charged multiple times for what appeared to be overlapping billing periods. Most credit monitoring services charge you monthly, and if you miss a payment, your access is suspended until you decide to reactivate your subscription. With SmartCredit, however, I discovered that when I updated my payment information, I was charged retroactively for previous months even though I had no access to the platform during those periods. What makes this even more concerning is that these charges appeared as separate transactions several days apart, making them easy to overlook unless you’re carefully reviewing your bank statements. In my opinion, charging customers for months when they were unable to access the service is an unfair billing practice. I will be disputing these charges with my bank and canceling my subscription immediately. As customer service was no help and didn’t care. I strongly encourage anyone using SmartCredit to review their billing history and bank statements carefully. You may be paying more than you realize.
Response from SmartCreditOct 16, 2026
Lucas, thank you for sharing this, and we’re sorry your call with us didn’t leave you with clear answers. That isn’t the experience we want for anyone. We located your account and, as a courtesy, we’ve closed your membership and refunded your recent charges. If you still have any questions or issues, please call us at (877) 372-3895 (Mon–Fri, 8 am–7 pm CT) or email us at [email protected]. — The SmartCredit Team




