Credit Score Reviews
SmartCredit Review: A DIY Tool to Help Reach Your Credit Goals
Updated on March 17, 2026
Over the past decade or so, it seems that the general public has really started to understand how important credit is to their everyday lives. While I say this anecdotally, the rise in average credit score does support my theory. Unfortunately, even if you have a basic idea of how credit works, adding points to your score isn’t always so straightforward. That’s where the service SmartCredit may be able to help.
Recently, SmartCredit reached out to me and asked me to check out their platform. In addition to setting up my own account to try, I was also able to access one of their test accounts so I could better explore some of their unique features. So, what does the platform have to offer? Let’s take a closer look at SmartCredit and its features.
ScoreMaster Review
SmartCredit: A platform for those serious about their credit
3.5
Pricing
$24.95+
Features
ScoreTracker, ScoreBuilder, ScoreBoost, PrivacyMaster and more
SmartCredit is a comprehensive tool that includes several features focused on your credit. These include advice with ScoreBuilder, a credit simulator called ScoreMaster, and more. Additionally, the service makes it easy to request that your personal information be removed from various sites.
Unfortunately, these features come at a steep cost as SmartCredit currently costs more than $20 a month. Because of this, while the platform can be powerful, it is an investment.
Pros
- Monitor your credit across 3 major bureaus
- Easily remove your information from data broker sites
- Includes $1 million identity fraud insurance
Cons
- Plans are expensive
- Pricing can be confusing
What is SmartCredit and How Does It Work?
What is SmartCredit and How Does It Work?
Signing Up and Pricing
Since SmartCredit utilizes your credit report data to help guide you, you will need to provide and confirm some personal info in order to get started. This includes your name, birthdate, your Social Security number, etc. You may also need to take a quiz of sorts to further confirm your identity. Once this is done, you’ll be ready to go.
As for the price of the service, currently, SmartCredit comes at a cost of $29.95 per month. That said, Fioney readers can get a 7 day trial for $1 and then pay $24.95 per month using our special offer link.
ScoreTracker and Smart Credit Report
Once you’ve set up your SmartCredit account, one of the first things you’ll see on your dashboard is your current credit score. This particular score is derived using data from your TransUnion or Experian report using the VantageScore model. As you may be aware, VantageScore does differ from the more commonly used FICO score. Because of this, while the scores may not be exactly what creditors will see when they pull your info, it should be fairly close.
To further explore your score, you can click the “View Now” button, which will take you to your ScoreTracker. What’s interesting is that SmartCredit also offers Auto Lending, Insurance, and Hiring Risk scores, which are meant to give you a better idea of what your score might look like using models that these types of creditors tend to use. Additionally, on this page, you can see a graph of your credit score progress. However, tracking will activate when you sign up for SmartCredit, so you won’t see a full graph right away. As you make progress, though, you’ll see how your scores have increased.
Heading back to the main dashboard, you can also take a closer look at the data in your credit report. To do this, select the Smart Credit Report widget, which will also bear a letter grade (A through F, presumably). This feature will walk you through different aspects of your credit report, including accounts, payment history, public info, and more. This is also the first place you may encounter the “Take Action” button — but we’ll cover that more in the next section.
ScoreBuilder
Once you understand your current credit, the ScoreBuilder tool can help set you on a path toward adding points to your score. ScoreBuilder will walk you through a number of steps you can take in order to reach a goal score. This could include correcting inaccurate information that may be on your credit report, asking for “goodwill removals” of legitimate info that still has a negative impact on your scores, and more.
Should you need to take any of these steps, you can begin the process from the site. Using the “Take Action” button, you can generate a template letter and have SmartCredit send it to your creditors on your behalf. Then, you can track the status of these requests from the ScoreBuilder interface as well.
ScoreBoost
In addition to the steps that ScoreBuilder may have you take, another major way to help improve your credit scores is by paying down debt. And while lowering your credit card debt in general is likely to have a positive effect, ScoreBoost can help you figure out which accounts are most likely to have the biggest impact. Similarly, SmartCredit will estimate how many points you may be able to add by paying down accounts.
One of the ways SmartCredit makes these suggestions is by telling you what day to make a payment by in order to add points to your scores. This info is the result of the site pulling data from the various institutions in order to determine when they report consumer balances (hint: it’s not the payment due date). By lowering your balances before this transmission of data, the reported utilization could be beneficial to you. Yes, a small timing change can actually make a decent-sized difference!
Money Manager
Stepping outside of the realm of credit scores and score reports specifically, another feature of SmartCredit is their Money Manager platform. Like other account aggregators, this allows you to link various financial accounts in order to view them all in one place. What’s kind of cool is that, using data from your credit report, the service will actually suggest accounts to link off the bat. However, you can proceed to link banking accounts, brokerages, and more.
As you’d expect, once you make these links, you’ll be able to view transactions, balances, etc. But what’s particularly nice is the ability to see your current credit utilization. Since credit utilization makes up 30% of your FICO score, having this number pointed out specifically could definitely be useful. By the way, while it’s advised that you keep your utilization under 30% if possible, the lower you can get it, the better.
Another aspect of Money Manager that could be useful involves alerts. In Settings, you can tell SmartCredit if you’d like to be notified when large purchases are made on one of your linked accounts. Although these transactions may very well be legitimate, these alerts could save the day in the event that it wasn’t actually you making the purchase.
PrivacyMaster
If you’re like me, you’ve probably Googled yourself just to see what type of information was available. When I did this not too long ago, I was a bit taken aback to find just how much personal data (albeit not all of it accurate) was being offered or even sold on numerous sites. The good news is that you can request to have your info removed from such sites — which is where PrivacyMaster comes in.
Using this feature, you can request that your data be removed from these sites. First, SmartCredit will scan the web for sites you appear on and then give you the option to request removal. I actually had a chance to try this feature first hand and, within minutes, I was already getting confirmations. That said, some of the sites sent me emails that required me to click a link in order to confirm my request. This may well be how it’s done, but it seemed a bit sketchy, leading me to avoid clicking. Nevertheless, I’ve been able to track the progress of my take-down requests in the PrivacyMaster dashboard.
Identity Fraud Insurance
Last but not least, as a SmartCredit customer, you’ll be able to opt into a $1 million identity fraud insurance policy. This coverage is provided by Voyager Indemnity — and you must activate it in order to use it. Luckily, this is literally just a click of a button.
This policy has no deductible and applies to your entire family residing in your household. Coverage includes:
- Your bank, savings accounts, brokerage, lines of credit, credit cards and more
- Your cash out-of-pocket expenses incurred in your ID recovery
- Your credit reports
- Pre-existing identity fraud you didn’t know about
- Replacement cost due to stolen driver’s license
- Replacement cost due to stolen passport
Obviously, this is another one of those features you hope to never have to use. But, it’s definitely nice to have should you ever need it.
My Thoughts on SmartCredit
My Thoughts on SmartCredit
Overall, I found SmartCredit to be a truly intriguing product with some very clever features. In particular, I appreciated the ScoreBoost feature (including its surprisingly fun-to-use interface) as well as ScoreBuilder — specifically the way you could start the process of fixing mistakes and make forgiveness requests right from the site. Plus, as I mentioned, I personally already made use of the PrivacyMaster’s removal request platform. To me, these features build upon what some free credit options offer.
The downside as I see it is the price. At nearly $30 a month (or about $25 with our link), this is definitely a premium service.
That said, I think I was initially viewing SmartCredit through the wrong lens. I had thought of it as a pricey alternative to the likes of Credit Karma. In reality, though, it’s a DIY tool to help you reach your credit goals — making a good option for those who are motivated to take action and better their credit.
With that in mind, I suspect that most people would subscribe to SmartCredit for a few months in order to achieve their goal. But, some might want to keep it longer-term, especially if they value features like PrivacyMaster, the identity theft insurance, and the alert capabilities.
If any of these descriptions fis you, then feel free to use our special link to give SmartCredit a try and see how it can help you reach your credit goals.
Frequently Asked Questions
What is the fastest way to improve a credit score?
The fastest way to improve your credit score involves consistently making on-time payments and reducing your credit utilization. Addressing any errors on your credit report can also quickly boost your score.
How do credit builder programs help improve credit scores?
Credit builder programs help improve credit scores by establishing a positive payment history, which is reported to credit bureaus. This demonstrates responsible financial behavior, gradually building and strengthening your credit profile.
How does SmartCredit help improve credit scores?
SmartCredit doesn’t directly improve your score, but it helps point you in the right direction by analyzing your credit report data and providing personalized guidance. It identifies specific actions you can take to raise your credit score and monitor your progress effectively.
Is SmartCredit worth the monthly cost to improve my credit?
SmartCredit costs $29.95 per month, which is an investment. Its value depends on your commitment to utilizing its features to analyze your credit and take steps to improve your credit score.
Can SmartCredit help me improve my credit score if I have poor credit?
SmartCredit is designed to help consumers with poor credit. It analyzes your credit report to identify issues and provides actionable steps you can take to effectively raise your credit score over time.
Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. (Note: advertising relationships do not have any influence on editorial content. Advertising compensation allows Fioney to provide quality content for free. All editorial opinions are those of the individual author and/or Fioney.)
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