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SmartCredit.com

SmartCredit.com

SmartCredit.com is a credit reporting service with an added service. This service produced by ConsumerDirect allows members who pay a monthly membership fee to look at their credit report in a unique interactive format. The ‘Smart Credit Report’ lets you see where there are potential problems and allows you to contact the creditor right from in the report. The company also offers a free trial period to check out the product.

Unique report

SmartCredit.com has patented their Smart Credit Report interactive tool which allows you as a member to communicate with 36,000 plus creditors, and see your credit data in a completely usable format. It is important to note that you can do everything that is available on SmartCredit.com by yourself for free. You can get free copies of your credit report at AnnualCreditReport.com or by calling 877 322 8228 and contact your creditors one by one. SmartCredit.com does make it easy to understand your credit history with a clear and simple format. The ability to contact your creditors from within the software using the ‘Smart Action Button’ as soon as you see a problem is a definite plus. This communication features allows you to report credit report errors, settle reported debts and deal with identity theft. The software also comes a variety of apps you can access.

Monitoring

The service that SmartCredit.com provides include daily credit monitoring and identity theft production looking for any mention of your name, social security number, address or other personal information. As a member you receive ‘Rapid Responses’ to credit or identity alerts via your mobile phone.

Membership plans

The company has a couple of different monthly membership options and pricing. Basic membership starts at $19.95 per month and gives you one full update to your report per month. You can also avail yourself of the smart action functionality five times per month. Premium membership gives you unlimited access to your personal Smart Credit Report and scores. You also receive the ability to enter unlimited Smart Actions. Premium membership is $29.95 per month. To get the full functionality of the system is not inexpensive at almost $360.00 per year. To determine whether this system will work for you is determined on how much you think needs to be done to correct and monitor your credit report. In the first thirty days of membership (your free trial) it is possible to cancel your contract any time without penalty. If you decide to cancel after the free trial is up you are obligated to pay any accumulated, unbilled charges through the date of your cancellation. See also, TrueCredit monitoring.

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