What's included
- Full credit reports from all three bureaus, refreshed monthly (more often on some plans). This is the part the software uses.
- Three credit scores, one per bureau, updated with each report.
- Credit monitoring and alerts when something changes on any of your files: a new account, a new inquiry, a new negative item.
- $1 million identity theft insurance and restoration assistance.
- ScoreTracker, Money Manager and PrivacyMaster, SmartCredit®'s own tools for tracking score history, budgeting, and reducing your exposure to data brokers.
What it costs
| SmartCredit® 7-day trial, set up through Credit Repair Automate | $1.99 |
| SmartCredit® after the trial | $29.95 per month, recurring until you cancel |
| Credit Repair Automate software | $0, no software fee |
If you already have a SmartCredit® account, connect it during setup. Credit Repair Automate charges nothing extra.
Why the software needs a monthly report
Two reasons. First, to find errors the scan needs your actual full report from each bureau, not a summary or a score. The free reports from AnnualCreditReport.com are complete but can't be imported automatically. Second, to show you what a dispute changed, the software compares this month's report with last month's, item by item. That comparison is where you see "deleted," "updated" or "verified" for every dispute you sent. Without a refreshed report there's nothing to compare.
How the trial works
- Create your Credit Repair Automate accountAbout a minute. No software fee.
- Tap "Get your credit report now" to enroll in SmartCredit®This is where your separate SmartCredit® membership begins, on SmartCredit®'s own page. New members pay $1.99 for the first seven days.
- Verify your identity with SmartCredit®Standard questions about your credit history, the same as any monitoring service.
- Come back and link your reportsSign in with your SmartCredit® email and password. Within a minute or two, your three reports are in the dashboard and the scan runs.
- Day 7Your membership converts to $29.95 a month unless you cancel. Cancel from your SmartCredit® account at any time.
Create your account. Full pricing details on the pricing page.
Frequently asked questions
Is SmartCredit® the same company as Credit Repair Automate?
No. SmartCredit® is operated by ConsumerDirect®, Inc. Credit Repair Automate is separate software made by Visionary Strategic Solutions LLC.
Can I use a different monitoring service instead?
Not for the automatic import. The scan is built on SmartCredit®'s report format. You can use any service to view your credit, but the software needs a connected SmartCredit® account to pull reports in.
How do I cancel SmartCredit®?
Log in at smartcredit.com, go to your account settings, and cancel the membership. Or call their customer service. Cancellation is immediate and there's no contract. Each one cancels on its own: your Credit Repair Automate account stays open, and closing it never cancels SmartCredit®.
Does a SmartCredit® subscription affect my credit score?
No. Checking your own credit is a soft inquiry and never affects your score. Monitoring services pull soft inquiries only.