Debt relief & credit repair
SmartCredit debt relief & credit repair complaints
Consumers have filed 8 complaints about SmartCredit's debt relief & credit repair, 4 in the last 12 months. SmartCredit answered 0% on time and closed - with relief. See the whole SmartCredit record.
SmartCredit against other debt relief & credit repair companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Experian | 351 | 100% | 10% |
| 2 | Equifax | 256 | 100% | 32% |
| 3 | TransUnion | 249 | 100% | 58% |
| 4 | Consumer Financial Services Solutions | 224 | 68.8% | 0% |
| 5 | National Debt Relief | 180 | 98.9% | 0% |
| 6 | Encore Capital (Midland Credit) | 146 | 100% | 23% |
| 7 | Freedom Financial Network | 96 | 100% | 27% |
| 8 | Resurgent Capital Services | 93 | 100% | 21% |
| 9 | The J. G. Wentworth | 91 | 100% | 0% |
| 10 | Capital One | 86 | 100% | 16% |
| 11 | Kikoff | 72 | 100% | 0% |
| 12 | Americor Funding | 54 | 100% | 0% |
| 13 | SmartCredit | 4 | 0% | - |
Latest SmartCredit debt relief & credit repair complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 16, 2026 | Debt relief & credit repair | Didn't provide services promised | No timely reply |
| Jul 25, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| May 21, 2026 | Debt relief & credit repair | Confusing or missing disclosures | No timely reply |
| Jan 24, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| Aug 18, 2024 | Debt relief & credit repair | Confusing or misleading advertising or marketing | No timely reply |
| Apr 26, 2023 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Mar 16, 2023 | Debt relief & credit repair | Confusing or misleading advertising or marketing | No timely reply |
| Jun 6, 2016 | Debt relief & credit repair | Customer service/Customer relations | Money back |
Your rights with debt relief & credit repair companies
The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.
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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