Who are Smart Credit? - LegalBeagles Forum I found a search on my credit report by a company called Smart Credit I have no idea who they are and what they were doing putting a search on my credit file I have emailed them about three times but they have failed to respond The first one was for the 12th June that was the time my debit card was used fraudulently i don't feel very comfortable with this It has been updated to the 22nd