Debt relief company · complaint record
CreditSmart complaints
Filed under CreditSmart Holdings Inc
Consumers have filed 6 complaints about CreditSmart since 2025, 6 of them in the last 12 months. It answered 0% on time. The most common problem is charged upfront or unexpected fees. It is the 37th most complained-about of 124 debt relief & credit repair companies this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 6
- Last 12 months
- 6
- Answered on time
- 0%
- Closed with relief
- -
- Last 30 days
- 0
- Rank
- #37 of 124
Since December 2025
new vs the year before
Industry: 91%
Typical debt relief company: 16%
Newest: Jul 31, 2026
Most complained-about debt relief & credit repair companies
CreditSmart complaints by month
The busiest month was July 2026 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How CreditSmart answered all time
- Untimely response6100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What CreditSmart complaints are about
Top CreditSmart problems
Where CreditSmart complaints come from
Most complaints: California (1), Florida (1), North Carolina (1), Ohio (1), Puerto Rico (1).
CreditSmart compared with other debt relief & credit repair companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit GloryDebt relief & credit repair | 3 | 44 | F |
| 2 | Five Lakes Law GroupDebt relief & credit repair | 0 | 43 | F |
| 3 | Cordoba Legal GroupDebt relief & credit repair | 47 | 40 | D |
| 4 | ClearOne AdvantageDebt relief & credit repair | 8 | 38 | F |
| 5 | Olympus1Debt relief & credit repair | 22 | 36 | F |
| 6 | Clarity Debt ResolutionDebt relief & credit repair | 57 | 34 | C |
| 7 | Turnbull Law GroupDebt relief & credit repair | 85 | 27 | A |
| 8 | CreditSmartDebt relief & credit repair | - | 6 | - |
Compare side by side: CreditSmart vs Credit Glory · CreditSmart vs Five Lakes Law Group · CreditSmart vs Cordoba Legal Group · CreditSmart vs ClearOne Advantage
What people say about CreditSmart
All experiencesNo experiences with CreditSmart yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CreditSmart complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 31, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| Jul 30, 2026 | Credit reporting | Improper use of your reportReport provided to employer without your written authorization | No timely reply |
| Jun 23, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | No timely reply |
| Apr 13, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| Jan 10, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| Dec 23, 2025 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | No timely reply |
Questions about CreditSmart
How many complaints does CreditSmart have?
CreditSmart has 6 complaints on record since December 2025, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does CreditSmart respond to complaints?
Yes. CreditSmart answered 0% of its complaints on time (within 15 days) and closed - with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with CreditSmart?
The most common problems are charged upfront or unexpected fees (3), improper use of your report (1), problem with a lender or other company charging your account (1).
Is CreditSmart legit?
CreditSmart is a real company with a public complaint record: consumers have complained about it 6 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CreditSmart legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against CreditSmart?
Complain to CreditSmart in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most CreditSmart complaints come from?
Most come from California (1), Florida (1), North Carolina (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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