Want to know your credit score without having to pay for a report? There are tons of apps out there that can give you a free peek at your financial standing! These apps, like Intuit Credit Karma, Capital One Mobile, and Experian, can help you understand where you stand and how to improve your score. You can even get tips on how to manage your credit and avoid late payments, which is super helpful!
Knowing your credit score can help you get a loan, rent an apartment, or even get a lower interest rate on a credit card. Having an app to keep track of it makes it easy to stay on top of your finances and see how your actions are affecting your credit score. With so many great options out there, you're sure to find an app that fits your needs and helps you stay in control of your money.
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Intuit Credit Karma |  | Android, iOS | 4.8/5 | 48M+ | Free credit monitoring, Advanced Cards / Loan Marketplace |
| 2. Capital One Mobile |  | Android, iOS | 4.9/5 | 42M+ | Manage all accounts, Send and receive money, Lock cards instantly |
| 3. Experian |  | Android | 4.7/5 | 16M+ | Free credit report and FICO® Score*, Experian Boost®ø |
| 4. CreditWise from Capital One |  | Android, iOS | 4.8/5 | 7M+ | Free credit monitoring, Identity theft monitoring, Credit simulator |
| 5. Credit Sesame |  | Android, iOS | 4.8/5 | 6M+ | Free credit score monitoring, Personalized credit recommendations |
| 6. Self Is For Building Credit |  | Android, iOS | 4.9/5 | 4M+ | No cost credit building, Credit score increases, Savings account included |
| 7. myFICO |  | Android, iOS | 4.8/5 | 1M+ | Monitor FICO Scores, Compare Credit Reports, Credit History Insights |
1. Intuit Credit Karma
Free credit score monitoring, Personalized financial insights
Download:
Application information
| Category | Finance |
| Downloads | Over 47 million downloads |
| Features | Credit Karma provides free credit monitoring, credit score tracking, personalized financial insights, and tools to help you improve your credit and find better financial products. |
| Who It’s For | Anyone wanting a free, user-friendly app to check their credit score and get personalized financial advice. |
- Tags:
- Free Credit Monitoring
- Advanced loan marketplace
- Net worth tracking
Intuit Credit Karma is an app to check your credit score, offering insights into your financial health and potential loan and credit card offers. While it boasts free credit monitoring and alerts, users have expressed frustration with its slow account updates, which can hinder timely fraud detection. The app's focus on pushing offers and lack of consistent data refresh has led some to feel it has lost its original "trusted" status, especially when compared to its predecessor, Mint. While it can be useful for monitoring your credit score, the app's overall functionality and user experience has been met with mixed reviews.
Pros & Cons
- Free credit score tracking
- Provides personalized financial advice
- Offers insights into credit report
- Access to credit card offers
- Slow account updates
- Pushy with credit offers
- Unorganized and cluttered interface
Why we chose it?
Intuit Credit Karma is a fantastic app for checking your credit score, and I'd highly recommend it! It provides free access to your credit score and report from TransUnion and Equifax, so you can stay on top of your financial health. Plus, it offers personalized recommendations for credit cards, loans, and other financial products, which is a huge help in making informed decisions about your money.
✨ Read more: app to cancel subscriptions
2. Capital One Mobile
View credit score and report, Track credit score changes, Get personalized credit insights
Download:
Application information
| Category | Finance |
| Downloads | Over 42 million downloads |
| Features | The app offers features like bill pay, card lock, check deposit, credit score checking, rewards redemption, and money transfer. |
| Who It’s For | Anyone with a Capital One account who wants to manage their finances on the go. |
- Tags:
- Manage all accounts
- Pay bills and loans
- Check credit with CreditWise
The Capital One Mobile app offers a convenient way to check your credit score, but users have reported mixed experiences. While some praise its ease of use for checking balances and making payments, others have encountered frustrating glitches and limitations. One common complaint is the app's tendency to crash and require frequent password changes, even when entering the correct information. Additionally, users have reported issues with the "drag" feature for payment scheduling, finding it cumbersome and unreliable. Despite these drawbacks, the app remains a valuable tool for tracking spending and monitoring your credit health, making it a useful addition to your financial management toolkit.
Pros & Cons
- Easy to check balance
- Make payments online
- Track spending and balance
- Digital due dates
- Frequent password changes
- App crashes often
- Unintuitive travel booking
- Limited booking management
Why we chose it?
I love the Capital One Mobile app! It's super convenient for checking my credit score with CreditWise, which is totally free and gives me a great overview of my credit health. Plus, I can easily track all my spending and manage my accounts from one place. The app is easy to use and has all the features I need to stay on top of my finances.
✨ Read more: app for online banking
3. Experian
Free credit report & score, Boost score with paid bills, Digital checking account option
Download:
Application information
| Category | Finance |
| Downloads | Over 15 million downloads |
| Features | The Experian app provides access to your Experian credit report and FICO® Score, allowing you to track your credit health, see what factors impact your score, and take steps to improve it. |
| Who It’s For | Individuals interested in managing their credit, monitoring their credit score, and gaining insights into their credit history. |
- Tags:
- Free credit report and FICO® Score*
- Experian Boost® to raise your score
- Experian Smart Money™ Checking Account
Experian is a popular app to check your credit score, offering a free membership to access your Experian credit report and FICO® Score. While users appreciate the convenience of having their credit information readily available, many have expressed frustration with the app's persistent push notifications promoting various financial products. These notifications, often perceived as intrusive and overwhelming, cannot be effectively controlled within the app's settings. Additionally, users have reported slow load times and difficulty accessing Experian Boost, a feature that promises to improve credit scores. These issues have led to widespread dissatisfaction, leaving users feeling misled and frustrated with the app's overall performance.
Pros & Cons
- Check credit score easily
- Monitor credit report changes
- Get alerts for suspicious activity
- Provides credit score insights
- Annoying push notifications
- Slow loading times
- Limited Boost feature integration
Why we chose it?
Experian is the real deal when it comes to checking your credit score! I love that I can get my FICO Score directly from the source, plus I can see my full Experian credit report. And, with Experian Boost, I can actually raise my score by adding in my on-time bill payments. It's a game-changer!
✨ Read more: app to send money
4. CreditWise from Capital One
Free credit score and report, Identity theft protection alerts
Download:
Application information
| Category | Finance |
| Downloads | Over 6.8 million downloads |
| Features | CreditWise offers free credit score tracking, monitoring, alerts, identity theft protection, and tools to help users understand and improve their credit. |
| Who It’s For | Anyone who wants to monitor their credit score, understand their credit report, or improve their creditworthiness. |
- Tags:
- Free Credit Monitoring
- Identity theft protection
- Credit score simulator
CreditWise from Capital One is a valuable app to check your credit score, offering a simple yet insightful overview of your financial health. It provides a clear picture of where you stand, helping you understand the impact of different factors like credit utilization, late payments, and new account openings. The app's credit simulator is particularly helpful, letting you see how potential actions could affect your score. While it might not be the definitive tool for complex financial decisions, it's a fantastic resource for everyday credit monitoring and a great starting point for improving your score.
Pros & Cons
- Free credit score & monitoring
- Credit simulator for purchase impact
- Responsive to fraudulent activity
- Easy to use and understand
- Limited detail for in-depth analysis
- Algorithm may differ from real-world
- Basic features with limited options
Why we chose it?
CreditWise from Capital One is my go-to for checking my credit score because it's completely free, super easy to use, and provides valuable insights to help me improve my score. I love that I can monitor my credit score daily, get personalized advice, and even see how different financial decisions might impact my score. It's a great tool to keep me on top of my financial health!
✨ Read more: app to borrow money
5. Credit Sesame
Free daily credit score, Personalized credit improvement tips
Cost:
Free (Free), Credit Sesame Plus ($14.99/month)
Download:
Application information
| Category | Finance |
| Downloads | Over 5.9 million downloads |
| Features | Credit Sesame is an app that helps you track your credit score, get personalized insights, and manage your credit in one place. |
| Who It’s For | Anyone who wants to check their credit score, monitor their credit health, and improve their creditworthiness. |
- Tags:
- Free credit score
- Personalized recommendations
- Credit monitoring
Credit Sesame is a popular app to check your credit score, offering a comprehensive view of your financial health. It provides a detailed breakdown of your credit report, including any late payments or collections, and offers personalized suggestions for improving your score. While users appreciate the app's helpful tips and credit card recommendations, some have expressed concern about the accuracy of the payment history updates. Despite this, Credit Sesame remains a valuable tool for anyone looking to monitor their credit and take control of their financial future.
Pros & Cons
- Tracks credit score effectively
- Provides helpful improvement tips
- Offers credit card suggestions
- Shows credit report details
- Inaccurate payment history updates
- Credit card suggestions may be biased
- Limited features in free version
Why we chose it?
Credit Sesame is a fantastic choice for checking your credit score! It provides a free TransUnion credit score with daily updates, so you can always stay on top of your financial health. Plus, it offers personalized recommendations and tools to help you improve your credit, like identifying potential savings on your existing loans. It's a really user-friendly app that makes credit management simple and accessible!
✨ Read more: app for budgeting
6. Self Is For Building Credit
Build credit with rent payments, Track credit score with VantageScore
Download:
Application information
| Category | Finance |
| Downloads | Over 3.5 million downloads |
| Features | Self helps you build credit by reporting your rent payments, growing your credit & savings with a credit builder account, and unlocking a secured credit card. |
| Who It’s For | People looking to build credit, improve their credit score, or track their credit score. |
- Tags:
- No-cost rent reporting
- Build credit with no credit card
- Increase score by 49 points
Self Is For Building Credit is a mobile app designed to help users build their credit score. While praised for its innovative concept of using rent payments and a credit builder account to boost credit, the app has received criticism for its user interface and functionality. Many users find the app frustrating to navigate, with issues like unresponsive buttons, inability to scroll, and difficulties with biometric login. The app's payment system has also been flagged as problematic, with users complaining about fees for non-ACH transfers and inconsistent payment processing times. Despite these issues, some users have found the app helpful, particularly those with no credit history. Ultimately, Self Is For Building Credit remains a potentially valuable tool for credit building, but its user experience could be significantly improved.
Pros & Cons
- Build credit with rent payments
- Excellent option for no credit
- Track credit score progress
- Manage finances responsibly
- High fees for non-ACH payments
- Frustrating interface and bugs
- Limited customer support options
Why we chose it?
Self is a game-changer for building credit! We don't just tell you your score, we help you improve it. You can build credit by reporting your rent payments for free, or grow your credit and savings with our Credit Builder Account. It's all about taking control of your financial future!
7. myFICO
Get FICO Scores from all 3 bureaus, Monitor credit report for changes
Download:
Application information
| Category | Finance |
| Downloads | Over a million downloads |
| Features | The app provides access to your FICO Scores, insights into your credit history, credit monitoring, and allows you to track your progress towards your financial goals. |
| Who It’s For | Anyone who wants to check their credit score and manage their credit health. |
- Tags:
- Credit score monitoring
- FICO score tracking
- Credit report access
myFICO is a popular app for checking your credit score, providing access to your FICO Scores from all three credit bureaus: Experian, TransUnion, and Equifax. While users praise the app for its accuracy and the ability to view the specific FICO Scores used by lenders, they note some drawbacks. Some users have found delays in updates, with alerts sometimes arriving weeks after a transaction, creating a frustrating experience. Additionally, the app's cost is a concern for some, with a monthly subscription required to access scores regularly.
Pros & Cons
- Provides access to 3 FICO scores
- Accurate scores used by creditors
- Offers additional scores for lenders
- Direct access to credit reports
- Updates can be delayed
- Costly monthly subscription
- Alerts may not always work correctly
Why we chose it?
Hey there! I'm a big fan of myFICO and use it all the time to track my credit score. It's the real deal because you get your actual FICO® Scores, the ones lenders actually use. Plus, the app has tons of great features that help you understand your credit, like detailed insights and alerts, so you're always in control!
8. TransUnion
Credit score and report access, Identity theft protection tools
Download:
Application information
| Category | Finance |
| Downloads | Almost a million downloads |
| Features | The TransUnion app lets you check your credit score, monitor your credit report, lock your credit, receive alerts about changes, get identity theft insurance, and access credit-building tips. |
| Who It’s For | Anyone who wants to monitor their credit score and report, protect against identity theft, and learn how to improve their credit. |
- Tags:
- Credit score monitoring
- Identity theft protection
- Credit Report Lock/Unlock
The TransUnion app promises a convenient way to monitor your credit score and report, but recent user experiences paint a mixed picture. While the app initially offered a seamless experience, users now report frustrating issues with functionality, security, and usability. Features like the credit lock function are unreliable, causing significant frustration for paying members. The app also lacks basic security features like two-factor authentication and biometrics, leading to concerns about data protection. Additionally, some users find the interface clunky, with features like the "refresh report" button and the Credit Compass tool failing to meet user expectations. Despite these drawbacks, the app remains a popular choice for many, highlighting the need for TransUnion to address these concerns and deliver a truly reliable and user-friendly experience for their credit score checking app.
Pros & Cons
- Access credit score anytime
- View credit report details
- Monitor credit activity
- Provides credit score insights
- App functionality issues
- Lack of security features
- Outdated score display
- Frequent crashes and freezes
Why we chose it?
Hey there! If you're looking for a solid app to check your credit score, TransUnion is a great option. I love how it provides a clear breakdown of what's impacting my score, along with helpful tips to improve it. Plus, it comes with identity theft protection and a credit lock feature, giving me peace of mind knowing my information is safe.
9. WalletHub
Free daily credit score updates, Personalized credit improvement plan
Download:
Application information
| Category | Finance |
| Downloads | Over 622,000 downloads |
| Features | WalletHub offers free daily credit score updates, full credit reports, credit monitoring, personalized savings plans, and tools to improve your credit score. |
| Who It’s For | Individuals looking for a free and easy way to track their credit score and improve their financial health. |
- Tags:
- Free credit scores
- Daily credit updates
- Personalized credit improvement plan
WalletHub is a popular app to check your credit score, offering daily updates and a clear view of your credit health. Users rave about its user-friendly design, which is praised for its clarity and ease of use. While some users have noted a slight delay in loading times, the app's ability to provide timely alerts and personalized recommendations for credit card offers and loan opportunities has been met with positive feedback. However, be aware that the app requires you to have an established credit history, and if your information doesn't match existing records, you may encounter account lockouts, as experienced by one user.
Pros & Cons
- Easy to use design
- Credit score updates
- Alerts for negative changes
- Card & loan recommendations
- Slow loading times
- Account lock issue
- Slow customer support
Why we chose it?
WalletHub is a fantastic choice for checking your credit score! It's completely free and gives you daily updates on your score, so you're always in the loop. Plus, it provides a personalized plan to help you improve your score and reach your financial goals, making it a powerful tool for anyone wanting to take control of their credit.
10. ScoreSense®
Credit scores from all bureaus, Daily credit monitoring alerts
Download:
Application information
| Category | Finance |
| Downloads | Over 446 thousand downloads |
| Features | ScoreSense is a credit monitoring app that provides users with their credit scores from all three bureaus, daily credit monitoring, credit report analysis, and identity theft protection. |
| Who It’s For | Individuals who want to monitor their credit score, understand their credit report, and protect themselves from identity theft. |
- Tags:
- Credit score monitoring
- Identity theft protection
- Credit Report Analysis
ScoreSense® is a powerful app to check your credit score that gives you a comprehensive view of your credit health from all three major bureaus – TransUnion, Equifax, and Experian. This user-friendly app allows you to compare your credit information across bureaus, identify potential discrepancies, and even get expert help from ScoreSense® to resolve them. Many users, like one who saw their credit score jump from 515 to 706 in a year, praise the app for its ability to help users identify and dispute errors, leading to improved credit scores and access to better financial options.
Pros & Cons
- Shows credit scores from all 3 bureaus
- Helps identify and dispute errors
- Provides insights for credit improvement
- Offers friendly user interface and customer service
- Can be expensive at $35 per month
- May not resolve all credit issues
- Requires a paid subscription for full features
Why we chose it?
ScoreSense® is a fantastic choice for checking your credit score because it provides daily monitoring, alerts for suspicious activity, and detailed breakdowns of your credit score factors. These features give you peace of mind knowing your credit is protected and help you understand what's impacting your score so you can take action to improve it!
11. Dovly
AI-powered credit score boost, Free credit monitoring & report
Cost:
Free (Free), Dovly Pro ($14.99/month)
Download:
Application information
| Category | Finance |
| Downloads | Over two hundred thousand downloads |
| Features | Dovly is a credit building app that utilizes AI to help you build, monitor, and protect your credit score. |
| Who It’s For | Anyone looking for an app to check their credit score and build their credit. |
- Tags:
- AI Credit Engine
- Free Credit Repair
- Credit score monitoring
Dovly is an app to check your credit score, promising to help you build and improve your financial standing. While many users appreciate its features, including dispute resolution and the ability to monitor all three credit bureaus, some have experienced frustrating issues like app freezing and inconsistencies with the premium plan. One user, for example, found that the premium plan only disputed with TransUnion, not the other two bureaus, despite its advertised promise. This raises concerns about the app's reliability and whether the paid features offer true value for money. Ultimately, users are seeking a consistent and functional app to check their credit score and manage their financial health effectively.
Pros & Cons
- Dispute negative credit items
- Easy to create an account
- Offers a free version
- Can help improve credit score
- App often freezes or crashes
- Premium plan doesn't dispute all bureaus
- Limited information compared to competitors
Why we chose it?
Dovly is your one-stop shop for all things credit! I love that it combines credit building, monitoring, and repair in one easy-to-use app. It's like having a personal credit coach in your pocket, helping you understand your score and take steps to improve it. And the AI-powered engine really sets Dovly apart, working smarter and faster than other credit apps!
12. PebbleScore
Check credit score across bureaus, Personalized recommendations to improve
Download:
Application information
| Category | Finance |
| Downloads | Over 14,000 downloads |
| Features | PebbleScore offers credit score checking across all three bureaus, personalized credit improvement recommendations, and access to low-interest loans. |
| Who It’s For | Individuals looking to build or repair their credit history and access affordable loans. |
- Tags:
- Credit Score Tracking
- Personalized recommendations
- Credit Report Monitoring
PebbleScore is a powerful app for checking your credit score and gaining valuable insights into your financial well-being. It provides a comprehensive view of your credit reports from all three bureaus, empowering you to understand your credit standing and identify areas for improvement. Users have praised PebbleScore's ability to provide personalized recommendations for repairing credit scores, potentially leading to access to loans and financial opportunities. While some users are still evaluating the speed of credit score repair, many have expressed satisfaction with the app's effectiveness in helping them achieve their financial goals.
Pros & Cons
- Provides credit score insights
- Offers credit repair guidance
- Helps manage multiple loans
- Fast and efficient loan payment
- Immediate credit repair unclear
- High cost for loan repayment service
- Limited information on service details
Why we chose it?
PebbleScore is a fantastic option for anyone looking to understand their credit score and get personalized tips to improve it! I love how it gives me a comprehensive view of my credit across all three bureaus, and the easy-to-follow recommendations make it simple to take action. Plus, the app is completely free, making it a no-brainer for anyone wanting to take control of their financial future.