All in all, SmartCredit has to be one of the easiest tools out there where you can manage finances, scores and alerts all in one place. It gives you a feeling of being in complete control.
Membership features are perfectly suited for taking charge of your credit score. Apart from getting your credit, auto, insurance, and hiring risk scores (not many monitoring products have all of these), monthly membership comes with access to smart tools like Jean Chatzky Score Builder and Debt Negotiator. Plus, if you want to compare your score from the “big three” bureaus, it’s easy to order credit reports from TransUnion, Experian, and Equifax.
One of the biggest perks is the Money Manager tool. By incorporating your financial accounts (including bank accounts, credit cards, loans), you get birds-eye, detailed views of your financial situation—all in one place. Accounts are updated automatically and regularly throughout the day. With simple push-button actions, you can ask questions, resolve issues on your credit report, or negotiate better rates.
As an added bonus, custom alerts are easy to set up. You can get alerts sent via email or text message for upcoming due dates, new accounts, large transactions, and new credit inquiries. Alerts are a must-have feature if you want to stop identity theft in its tracks. It’s all about visibility and control.
Pricing: 7-day trial for $1, then $9.99/mo.
Ease of registration: It’s simple. The registration process is like any other credit monitoring service; fill in the basics, verify your identity, and add a payment method. Once you are signed in, connecting your accounts is straightforward since it finds your accounts for you—no guessing or searching required.
Mobile friendly: Yes
Bottom line: If you want to monitor your credit and finances in one place, SmartCredit is an excellent option.
- More insight with integrated personal finance tools
- Get a 120 day plan to improve your score
- Ability to contact lenders through Score Builder
- Mobile app available
- Unlimited credit report refreshes