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SmartCredit.com

  4,477 inquiries |
Other Credit Services

16795 Von Karman Avenue, Suite 230
Irvine, CA 92606
| Get Directions

(877) 372-3895

http://www.smartcredit.com

Call 714.431.0005 or email @ info@consumerdirect.com

Company Rating

AAA

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Customer Reviews

based on 1 review.

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Complaint Experience

100%

Complaint Resolution Index (CRI)

1 complaints closed in last 3 years.

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Membership Information

This business is not a member of Business Consumer Alliance. This fact does not disparage the company in any way.

Recent Review

Posted on 9/12/2020

Jeri Resor

Her customer service was amazing. when i was submitting my application to be a Partner, she made really easy for me to understand the steps and requirements needed. She was very optimistic and positive about the new ways that people can obtain resources and was very excited about her knowledge awareness that she was able to provide about the products. h2 paint suite.!

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Complaints and Resolutions

Total Amount in Dispute:
$1.00

Total Amount Settled:
$0.00

Complaint Experience

100%

Complaint Resolution Index (CRI)

BCA's Summary and Analysis:

Some complainants allege unauthorized charges to credit or debit cards. Other clients complain of inability to cancel servcies along with recurring monthly charges for unordered or unwanted services. Still others allege false advertising and incomplete or unclear disclosures concerning financial obligations of members. Customers complain based on the company's website ads they believed they could sign up for services for free with no obligation and no monthly fees.. Even customers who allegedly cancel within the specified time period reportedly also experience unauthorized charges or debits. Some recent complaints allege that this company bought the clients of another credit repair company called Clear Credit. These customers allege that without receiving notice of service changes or being given the option to cancel they began incurring charges on their credit cards and bank accounts which are listed as monthly service fees for My Perfect credit. These customers had not authorized any payment or account debits to My Perfect Credit. The customers contend that the services fees imposed are unauthorized therefore they request credits and immediate cancellation. According to the company's website the only means of cancellation is via the internet site.~~The company generally responds to complaints by ceasing collection activity providing full or partial refunds and referring customers to their email address for additional assistance.

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Complaint Closing Statistics

1 complaints against SmartCredit.com closed in last 3 years.
Complaints Type of response
0 Making a full refund, as the consumer requested
0 Making a partial refund
1 Agreed to make an adjustment
0 Refusing to make an adjustment
0 Refuse to adjust, relying on terms of agreement
0 Unanswered

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Other Information

Company Info

SmartCredit.com allows consumers to interact with their banks, creditors and other institutions using a simple button and built the SmartCredit.com system to make better users of money and credit.

Primary Contact: Rachelle Alexander (Member Services Manager)
Business Started: 6/23/2002
Social:

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Licensing

We know of no licensing or registration requirement for companies engaged in this company's stated type of business.

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Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

This company offers a 5 day trial membership which provides members with an analysis of their credit report and a consultation on which negative items might be successfully challenged or removedl from the clients credit report.~ ~The company advertises they operate on a pay by performance basis charging a $6.95 fee for each item challenged . If all three of the major reporting agencies are to be challanged the $6.95 charge would be x 3. All charges are automatically charged to a credit or debit card number which is recorded before the trial begins. It appears that in some cases clients are supplied with a Visa bank debit card with the agreement that the card will automatically be charged a $29 processing fee upon issuance Any charges for services are also deducted from the debit card number.

Other Considerations

We know of no other matter or practice relating to this company that may assist you in your consideration of this company.

Industry Resources
Advertising Reviews
Additional Info

DBAs:

Smart Credit
Pathway Data, Inc.
Consumer Direct
ConsumerDirect, Inc

Websites:

Contacts:

Angela Ortiz (Business Developement)
David Coulter (CEO)

Other Categories: