I think the appraisals in the other thread are not realistic. But the names in that thread are very comparable to yours.
As for your domains, I don't see much value either.
CreditSmarter has a bit of brandability, it could be used for a credit card comparison website for example. But SmarterCredit would be better I think. Note that it's not even taken in other extensions, not even .net or .co.uk. It's one sign it's not premium.
The two other domains are not very meaningful.
Perhaps you could develop CreditSmarter as a credit card affiliate. Dump the others imo. Good luck.