Credit reporting
SmartCredit credit reporting complaints
Consumers have filed 21 complaints about SmartCredit's credit reporting, 8 in the last 12 months. SmartCredit answered 0% on time and closed - with relief. See the whole SmartCredit record.
SmartCredit against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | SmartCredit | 8 | 0% | - |
Latest SmartCredit credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 16, 2026 | Credit reporting | Unable to get your credit report or credit scoreOther problem getting your report or credit score | No timely reply |
| Jul 12, 2026 | Credit reporting | Unable to get your credit report or credit scoreOther problem getting your report or credit score | No timely reply |
| Jul 8, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection service | No timely reply |
| May 9, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Mar 22, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Mar 20, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Mar 13, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesDidn't receive services that were advertised | No timely reply |
| Jan 20, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesDidn't receive services that were advertised | No timely reply |
| Aug 30, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 30, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | No timely reply |
| Jun 3, 2025 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | No timely reply |
| Apr 8, 2025 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | No timely reply |
| Dec 21, 2024 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Dec 2, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Aug 7, 2024 | Credit reporting | Credit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection service | No timely reply |
| Aug 7, 2024 | Credit reporting | Credit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection service | No timely reply |
| Aug 7, 2024 | Credit reporting | Credit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection service | No timely reply |
| Apr 27, 2024 | Credit reporting | Unable to get your credit report or credit scoreOther problem getting your report or credit score | No timely reply |
| Sep 15, 2023 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Jun 2, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Mar 16, 2023 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
Your rights with credit bureaus & report companies
Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
General information, not legal advice; rules vary by state. Plain-English guides
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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