17 Best apps to check credit score on mobile Android, iPhone

Managing your credit has never been easier with the help of these top-rated mobile apps. Whether you're looking for a quick snapshot of your score or detailed insights into your credit report, there's an app that can meet your needs. Two of the most popular options are Cash App and Chase Mobile, which offer convenient access to your credit information and allow you to monitor your progress over time. Another highly-rated app is Intuit Credit Karma, which provides a comprehensive view of your credit report and offers personalized recommendations for improving your score.

App Logo Available On Reviews Downloads Features
1. Cash App Cash App Icon Android, iOS 4.8/5 104M+ Send and receive money instantly, Get instant discounts
2. Chase Mobile Chase Mobile Icon Android, iOS 4.8/5 51M+ Deposit checks remotely, Send money with Zelle, Monitor credit score
3. Intuit Credit Karma Intuit Credit Karma Icon Android, iOS 4.8/5 48M+ Free credit monitoring, Advanced Cards / Loan Marketplace
4. Chime Chime Icon Android, iOS 4.8/5 25M+ Overdraft up to $200, No monthly fees, Get paid early
5. Experian Experian Icon Android, iOS 4.7/5 16M+ Free credit report and FICO® Score*, Experian Boost®ø
6. Rocket Money Rocket Money Icon Android, iOS 4.3/5 9M+ Track net worth, Cancel subscriptions, Negotiate lower bills
7. CreditWise from Capital One CreditWise from Capital One Icon Android, iOS 4.8/5 7M+ Free credit monitoring, Identity theft monitoring, Credit simulator
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1. Cash App

Cash App Icon

Send and receive money instantly, Get instant discounts


Cost: Cash App (Free), Cash App Plus ($8.99/month)

Cash App is a mobile app that allows users to check their credit score for free. It also offers a variety of other financial services, such as peer-to-peer payments, direct deposit, and stock trading. Cash App is a popular choice for users who want an easy and convenient way to manage their finances. The app has a user-friendly interface and is available for both iOS and Android devices.

Download: Android, iOS

Cash App - Send and receive money instantly, Get instant discounts
  • Tags:
  • Instant Money Transfer
  • Free Debit Card with Discounts
  • Free Tax Filing

Application information:

Downloads 104,484,767
Features Send and receive money, buy and sell Bitcoin, invest in stocks, get paid early with Direct Deposit, and get a free debit card.
Pros Easy to use, fast, and secure.
Cons Limited customer support, some fees for certain transactions.

✨ Read more: app to cancel subscriptions

2. Chase Mobile

Chase Mobile Icon

Deposit checks remotely, Send money with Zelle, Monitor credit score


Cost: Chase Mobile (Free), Chase Mobile Plus (Paid)

With the Chase Mobile app, you can easily check your credit score for free, anytime, anywhere. Simply download the app and sign in with your Chase online banking credentials. Once you're logged in, tap on the "Credit Journey" tab and then select "Credit Score." You'll be able to see your current credit score, as well as a breakdown of the factors that affect it. The Chase Mobile app also provides personalized tips on how to improve your credit score over time.

Download: Android, iOS

Chase Mobile - Deposit checks remotely, Send money with Zelle, Monitor credit score
  • Tags:
  • Mobile banking
  • Zelle Payments
  • Credit Score Tracking

Application information:

Comments and Reviews from users:

Chase Dizzie: “This app is modern and has all of the features you would expect from the biggest bank in the USA. However, it is really cluttered and has far too many pop-ups, reminders, etc. in my opinion. The interface needs to be simplified. If Discover, Amex, Cap One, Navy Fed, and several other smaller institutions can do it, certainly the app developers for Chase should be capable.” – 4/5 in Play Store

kim hwang: “I was enjoying this app until recently. I log in and keeps going to a page where it's just a blank page. Nothing happens and I can't get back into the original page! Very frustrating! I call technical support and all they tell me is to uninstall and install again. I don't want to do that everytime I need to access my account! Pls fix this issue. Thanks” – 2/5 in Play Store

✨ Read more: app for online banking

3. Intuit Credit Karma

Intuit Credit Karma Icon

Free credit monitoring, Advanced Cards / Loan Marketplace


Cost: Free, Premium (9.99)

Intuit Credit Karma is a mobile app that provides free credit scores and personalized money assistance. It allows users to track their credit, get alerts about changes to their credit report, and receive personalized recommendations on how to improve their financial health. With over 10 million downloads, Intuit Credit Karma is one of the most popular finance apps on the market. The app is available for free on iOS and Android devices. In addition to credit scores, Intuit Credit Karma also offers a variety of other financial tools, including a credit simulator, a budget planner, and a debt repayment calculator.

Download: Android, iOS

Intuit Credit Karma - Free credit monitoring, Advanced Cards / Loan Marketplace
  • Tags:
  • Free Credit Monitoring
  • Advanced loan marketplace
  • Net worth tracking

Application information:

Downloads 47,730,245
Features Get your free credit scores, personalized recommendations, and identity monitoring.
Pros Easy to use, helps you improve your credit score over time, free to use.
Cons Some features are only available to premium members, may not be as accurate as a traditional credit report, can be overwhelming for some users.

Comments and Reviews from users:

S Kim: “It was decent for credit rating tracking , which do not change everyday. However, the finance tracking for credit cards or bank accounts (migrated from MINT, which was excellent) is too slow. They don't get updated for a couple of days. When I was using MINT, I was able to catch a fraudulent charge immediately and reported it while it was still pending. I don't think I can do that with this app. So disappointing.” – 2/5 in Play Store

Erica JM: “Previously, I had Mint and Credit Karma and was happy that they were going to combine because I thought it would consolidate the best features of both apps into one. However, after months of trying to get use to CK, I think it's actually worse. It's unorganized, doesn't refresh even though I have to disconnect and reconnect my accounts constantly, and doesn't offer any improvements. I feel like its one one big as for more credit cards and loanswhich I don't want or need. Frustrated!” – 2/5 in Play Store

✨ Read more: app to send money

4. Chime

Chime Icon

Overdraft up to $200, No monthly fees, Get paid early


Cost: Chime Basic (Free), Chime Plus ($5/month)

Chime is a mobile banking app that also offers a feature to check your credit score and monitor your credit health. The app is free to download and use, and it provides a simple and easy-to-understand view of your credit score and other important financial information. With Chime, you can track your credit score over time, get alerts when there are changes to your score, and receive personalized recommendations on how to improve your credit health.

Download: Android, iOS

Chime - Overdraft up to $200, No monthly fees, Get paid early
  • Tags:
  • Overdraft up to $200 fee-free
  • Get paid up to 2 days early
  • No monthly fees‡

Application information:

Downloads 25 million
Features No monthly fees, fee-free overdraft up to $200, early access to paycheck up to 2 days, mobile check deposit, and a secured credit card to help build credit.
Pros No hidden fees, helps improve your credit score, early access to paycheck
Cons Requires a direct deposit of $200/month, only available in the US, no physical bank branches

Comments and Reviews from users:

Sandra Jackson: “I love Chime and have been using it for a while now. However, the last update made it so I never get any notifications about my account. I have all the settings turned on and double checked my phone settings and everything is set to allow notifications, but the app no longer sends me any notifications. Please fix ASAP!” – 3/5 in Play Store

✨ Read more: app to borrow money

5. Experian

Experian Icon

Free credit report and FICO® Score*, Experian Boost®ø


Cost: Free, Premium (5.99)

Experian is a mobile application that allows users to check their credit score and monitor their credit report. It provides personalized insights and recommendations to help users improve their financial health. Experian also offers credit monitoring services, identity theft protection, and other financial tools to help users stay in control of their finances. With Experian, users can easily track their credit score, get alerts about changes to their credit report, and receive personalized recommendations to improve their financial situation.

Download: Android, iOS

Experian - Free credit report and FICO® Score*, Experian Boost®ø
  • Tags:
  • Free credit report and FICO® Score*
  • Experian Boost® to raise your score
  • Experian Smart Money™ Checking Account

Application information:

Downloads 15,735,555
Features Monitor your credit score, get personalized credit recommendations, and track your spending and saving goals.
Pros Easy to use, comprehensive credit monitoring, personalized recommendations.
Cons Some features require a paid subscription, may not be as detailed as other credit monitoring services.

Comments and Reviews from users:

Jeff Caffery: “The app is useful, but no matter how you adjust the notification settings in the app, every day or two, it will give you an annoying push notification trying to sell you something. I got with tech support 3 times about it and only thing that they could have me do in the end was turn off all notifications from the app in my phone's settings so now I won't get any alerts from it if something goes wrong with my credit file. That's when I could finall get someone in support that could understand me.” – 2/5 in Play Store

Tomy S: “The amount of junk notification coming from this app is now just disgusting. Several times a day about credit cards and APRs and other useless mess. There is no way to turn those off without disabling all the important notifications too. I'm sure that it was a conscious decision for the app to bundle all the notification types together so they can keep pushing the scam. I'd have expected more from them...” – 2/5 in Play Store

✨ Read more: app for budgeting

6. Rocket Money

Rocket Money Icon

Track net worth, Cancel subscriptions, Negotiate lower bills


Cost: Free, Premium (9.99)

Rocket Money is a mobile app that helps you manage your finances and improve your credit score. It offers a free credit score and report, as well as personalized recommendations on how to improve your score. Rocket Money also allows you to track your spending, create budgets, and cancel unwanted subscriptions. The app is easy to use and provides clear and actionable insights into your financial health. Whether you're looking to improve your credit score or simply get a better handle on your finances, Rocket Money is a valuable tool.

Download: Android, iOS

Rocket Money - Track net worth, Cancel subscriptions, Negotiate lower bills
  • Tags:
  • Net worth tracking
  • Subscription management
  • Bill negotiation

Application information:

Downloads 8,735,985
Features Manage subscriptions, lower bills, track expenses, create budgets, protect identity, maximize savings
Pros Easy to use, powerful features, saves money
Cons May not be able to connect to all accounts, some features require a paid subscription

Comments and Reviews from users:

Steve Pinkerton: “I really like this app. I'm was a prism user. And with it shutting down. I'm was looking for an alternative. Rocket money is the closest app to that. I wish the due dates could be shown. Things like utilities could automatically aggregate. I hope that they could come up with this feature. No one could beat it. It's a pretty solid with a no-nonsense interface.” – 5/5 in Play Store

Jaminup D: “I'd imagine this is good for budgeting, but the main selling point for me was managing subscriptions. It's advertised as being able to automatically cancel subscriptions on your behalf, but for most subscriptions it just gives you instructions on how to manually cancel them. Another issue is that it isn't good at detecting all subscriptions on your accounts. It only got around half of mine. If that's your main reason for using this app, you might as well not get it.” – 2/5 in Play Store

7. CreditWise from Capital One

CreditWise from Capital One Icon

Free credit monitoring, Identity theft monitoring, Credit simulator


Cost: Free, Premium (9.99)

CreditWise from Capital One is a free mobile app that provides users with access to their credit score, credit report, and personalized recommendations for improving their financial health. The app also offers tools for tracking spending, creating budgets, and setting financial goals. CreditWise is available for both iOS and Android devices, and it is easy to use and navigate. The app is a valuable resource for anyone who wants to monitor their credit score and improve their financial well-being.

Download: Android, iOS

CreditWise from Capital One - Free credit monitoring, Identity theft monitoring, Credit simulator
  • Tags:
  • Free Credit Monitoring
  • Identity theft protection
  • Credit score simulator

Application information:

Downloads 6862601
Features CreditWise from Capital One is a free credit score and monitoring app that helps you track your credit health and protect your identity.
Pros Easy to use, free to use, provides a comprehensive view of your credit health.
Cons May not be as comprehensive as paid credit monitoring services, may not be available in all countries.

Comments and Reviews from users:

A Google user: “I think this is a great app to give you an idea where you stand between the 3, I know it's just a round a bout, but absolutely a very useful key to help you see what using to much credit hurts your score, or late payments, versus not running your credit up and just use what's absolutely necessary.. This app shows that and also gives options to show how ones credit could be reflected by late payments, or opening a account, or even opening to many over short periods of time.. So again this is a VERY useful app that I check at least monthly to see what is going on..” – 5/5 in Play Store

A Google user: “Great interaction tool and provides a simple, high level oversight into your general credit rating. Also seems to be very responsive to fraudulent activity with your credit (thank you, Equifax), and have successfully called in and cancelled an Amazon credit card request. It's a great so, monitors TransUnion information. I wouldn't use this to navigate your potential purchase of a house, (since the algorithm may be different than the general consumer credit algorithm), but it's definitely good to get a general sense of where you are, at least.” – 5/5 in Play Store

8. Credit Sesame

Credit Sesame Icon

Free credit score monitoring, Personalized credit recommendations


Cost: Free (Free), Premium ($9.95/month)

Credit Sesame is a mobile app that helps you monitor your credit score and improve your financial health. It offers a free credit score and report, as well as personalized recommendations on how to build your credit. Credit Sesame also provides identity theft protection, credit monitoring, and financial planning tools. The app is easy to use and provides a comprehensive view of your credit and financial situation. It's a great tool for anyone who wants to improve their credit score and take control of their finances.

Download: Android, iOS

Credit Sesame - Free credit score monitoring, Personalized credit recommendations
  • Tags:
  • Free credit score
  • Personalized recommendations
  • Credit monitoring

Application information:

Downloads 5981123
Features View your credit score, get personalized recommendations on how to improve it, and monitor your credit report for free.
Pros Easy to use and great for improving your credit score
Cons Some features are only available to paid subscribers

Comments and Reviews from users:

A Google user: “The app is great overall. It helps me track my credit and gives good suggestions. My only issue is that it does not update the payment history at all really. Says I have 3 late payments and one collection. I have not had a collection for quite some time. paid in full actually. They also still count that as a late payment. Just wish the app was more accurate” – 4/5 in Play Store

A Google user: “Fairly easy to use. I like the tips they give, that I might consider. Word of caution, don't jump at the credit cards too quickly. It may be a good option, may not, it'syour credit. their job is to recomend. The card choices are also based on the kickback to CS. That doesn't make it bad, just be aware there are a plethora of cards available. CS does your odds of approval which is a definite plus.” – 5/5 in Play Store

9. Self Is For Building Credit

Self Is For Building Credit Icon

No cost credit building, Credit score increases, Savings account included


Cost: Free (0 USD), Paid (9 USD)

The Self Is For Building Credit app is a mobile application that helps users build credit and track their credit scores. The app offers a variety of features, including the ability to:

  • Track your credit score for free
  • Get personalized recommendations on how to improve your credit
  • Set up automatic rent payments to build credit
  • Open a Self Credit Builder Account to save money and build credit

The Self app is available for free on the App Store and Google Play.

Download: Android, iOS

Self Is For Building Credit - No cost credit building, Credit score increases, Savings account included
  • Tags:
  • No-cost rent reporting
  • Build credit with no credit card
  • Increase score by 49 points

Application information:

Downloads 3,541,860
Features Build credit and savings, or increase your score fast and free with timely rent payments.
Pros Build credit and save money.
Cons Some features require a paid subscription.

Comments and Reviews from users:

Jesse Dye: “Not a fan. They nickel and dime you the whole time. they charge you $3.50 to make a payment other than ACH BANK transfers, which typically takes 2-5 days. They seems to take 6. They bother you with a nag screen every time you open the app to set up auto payment. But if auto payment doesn't go through they charge you $15 even though the account isn't passed due. I set up a payment on the 23rd of the month, the money came out of my checking on the 24th, but wasn't applied until the 30th.” – 2/5 in Play Store

The Dusty Shredder: “For someone with no credit history at all, this is an excellent option. My only gripes are these: I can no longer select my new credit limit because the button to accept is below the bottom of the page and the page WILL NOT SCROLL to allow me to press it. Second, I can no longer sign in with biometrics. Simply fails to work. IMO, this app is a failure for a company with so much money to pay people to make it actually functional.” – 3/5 in Play Store

10. Kikoff

Kikoff Icon

Builds credit fast, No credit check, Only $5/month


Cost: Kikoff - No Credit Check Needed (Free), Kikoff Pro - No Credit Check Needed ($9.99)

Kikoff is a mobile app that allows users to check their credit score and get personalized financial advice, without the need for a credit check. The app uses advanced technology to analyze users' financial data and provide them with a comprehensive understanding of their creditworthiness. Kikoff also offers personalized recommendations on how to improve credit scores and achieve financial goals. With its user-friendly interface and actionable insights, Kikoff empowers users to take control of their financial health and make informed decisions about their borrowing and spending habits.

Download: Android, iOS

Kikoff - Builds credit fast, No credit check, Only $5/month
  • Tags:
  • Fast credit building
  • No Credit Check
  • Easy and worry-free

Application information:

Downloads 2,081,976
Features Kikoff provides instant access to earned wages before payday.
Pros No credit check required, helps manage cash flow.
Cons Small initial advance amount, high fees for larger amounts.

Comments and Reviews from users:

Rodney Higginson: “I found out about this company early on, when you would borrow $12 and pay back a $1 a month. Then they grew and had other products, cool. The thing I dislike was their customer service or lack of one. It was hard to reach someone. And then when I sent my payment of $11 (bill was $10 and change), I was sent the entire payment back with a note stating I need to send the exact amount, I'm done. Obviously, I didn't care about the leftover change.” – 2/5 in Play Store

Alex Westendorff: “Great app but more issues recently. Biggest issue is, me and my wife both have this, we finished our savings out, over a week ago, and still have never been able to draw the money back out. This normally happens as soon as the last payment is paid. Not anymore, day after day I check to no avail. No chat customer service, have to call and I don't have time for that. Not happy and wish you would release our funds.” – 3/5 in Play Store

11. myFICO

myFICO Icon

Monitor FICO Scores, Compare Credit Reports, Credit History Insights


Cost: Free, Premier (29.95)

myFICO is a mobile app that allows users to check their FICO score and Equifax credit report. The app provides users with their FICO score, which is the most commonly used credit score by lenders. Users can also view their credit report, which includes information about their credit history, such as their payment history, the amount of debt they have, and the length of their credit history. myFICO also provides users with personalized recommendations on how to improve their credit score. The app is available for free on the App Store and Google Play.

Download: Android, iOS

myFICO - Monitor FICO Scores, Compare Credit Reports, Credit History Insights
  • Tags:
  • Credit score monitoring
  • FICO score tracking
  • Credit report access

Application information:

Downloads 1,254,804
Features Get your FICO Score & Equifax report for credit cards, mortgage & loans.
Pros Easy to use, Accurate FICO Score, Helpful tips to improve credit score.
Cons Can be expensive, Limited features compared to other credit monitoring services, Doesn't offer real-time credit monitoring.

Comments and Reviews from users:

A Google user: “Generally pretty good app, but you can get faster updates from Experian directly--typically 1-2 days faster. Also, there's a bug that prevents credit alerts from showing up without first restarting the app. To be clear, it will show the alert, but when you click for more details, it shows an older alert instead. Finally, sometimes purchases do not go through right away, and you may have to wait up to 30 minutes to view your report(s).” – 3/5 in Play Store

A Google user: “Works as expected but there is definitely a delay with updates. For example, I paid about $4000 to a credit card in a lump sum. I received an alert 30+ days later that my account decreased by $2847. Conversely, when a made a $3000 purchase, the alert and corresponding score drop was almost immediate. I mostly blame the credit process for all of this. The app just exposes it very well.” – 4/5 in Play Store

12. TransUnion

TransUnion Icon

Check credit score anytime, Lock credit report easily

TransUnion is a mobile app that allows you to access your latest TransUnion credit score and report anytime, anywhere. With this app, you can:

  • Get your free credit score and report
  • Track your credit score over time
  • Get notified of any changes to your credit report
  • Dispute errors on your credit report
  • Lock and unlock your credit

The TransUnion app is a great way to stay on top of your credit and protect your identity.

Download: Android, iOS

TransUnion - Check credit score anytime, Lock credit report easily
  • Tags:
  • Credit score monitoring
  • Identity theft protection
  • Credit Report Lock/Unlock

Application information:

Downloads 994,270
Features Check your credit score and report, get credit monitoring and alerts, and dispute errors.
Pros Easy to use, provides detailed credit information, and offers credit monitoring and alerts.
Cons May not be as comprehensive as some other credit reporting services, and some features require a paid subscription.

Comments and Reviews from users:

Lynne Wisehart: “As a paying member for years, this service and product was great. Now, the website and app functionality is not working properly (specifically, the TU credit lock function) and after calling eight different numbers and spending hours on the phone, no one at TU is able to fix it. They keep pointing the finger at other departments; just running me around in circles. If I cannot get what I am paying for, then there is no longer a reason to keep paying for and using TU products. Very frustrating.” – 2/5 in Play Store

Venkateswaran Lakshminarayanan: “There's is lot of improvement needed. Especially on the security and usability front. There is no two factor auth. There are no options for enabling biometrics, have to key in the password everytime. Also once logged in I see a button to refresh my report if I hadn't logged in for a while. Why would anyone want to see their old score? I would want to see my latest score right when I login. It shouldn't be a choice. Credit compass is a useless feature. My score never increased based on that.” – 2/5 in Play Store

13. WalletHub

WalletHub Icon

Free daily credit scores, Personalized credit improvement plan


Cost: Free, Premium (9.99)

WalletHub is a free mobile app that allows users to check their credit score and get personalized recommendations on how to improve it. The app also offers a variety of other financial tools, including credit monitoring, personalized credit alerts, and a debt payoff calculator. WalletHub is a great way to stay on top of your credit health and make informed financial decisions.

Download: Android, iOS

WalletHub - Free daily credit scores, Personalized credit improvement plan
  • Tags:
  • Free credit scores
  • Daily credit updates
  • Personalized credit improvement plan

Application information:

Downloads 622310
Features WalletHub offers credit scores, WalletScores, credit reports, credit monitoring, personalized recommendations and identity protection.
Pros Comprehensive credit monitoring and reporting, personalized recommendations, identity protection.
Cons Some features may require a paid subscription, no live customer support, limited customization options.

Comments and Reviews from users:

A Google user: “I like the app design, it's pretty, clear and easy to use. BUT it is slow. every time you open the app, change the view or do anything, it shows a loading spinning wheel that takes a couple seconds to go away. It's ok to wait when opening the app, but having all the time makes the experience a bit annoying and ended up uninstalling it and going for another alternative.” – 3/5 in Play Store

A Google user: “I was skeptical about installing it at first - but its a GREAT app! It keeps me updated on whats happening with my credit score and sends me alerts to anything negative so I can take immediate action to correct it. I also get recommendations to card offers and loan opportunities based on my credit score, but havent taken advantage of this part of the app yet. Overall - its been a 5 star experience and an app that's helped me stay on top of my credit score and rating.” – 5/5 in Play Store

14. ScoreSense®

ScoreSense® Icon

Monitor credit scores, Guard against fraud, Track credit progress


Cost: Free, Premium (19.95)

ScoreSense® is a mobile app that provides users with free access to their credit scores and credit reports from all three major credit bureaus. It also offers daily credit monitoring, identity theft protection, and personalized financial advice. ScoreSense® is available for both iOS and Android devices. The app has been downloaded over 400,000 times and has received positive reviews from users.

Download: Android, iOS

ScoreSense® - Monitor credit scores, Guard against fraud, Track credit progress
  • Tags:
  • Credit score monitoring
  • Identity theft protection
  • Credit Report Analysis

Application information:

Downloads 446628
Features Offers credit scores from all 3 bureaus and daily credit monitoring.
Pros Provides free credit scores and monitoring.
Cons May not be as comprehensive as paid credit monitoring services.

Comments and Reviews from users:

Brenda Brown: “This is an awesome app that shows all 3 companies with your info about each one and your Score for all 3. You can compare the information on one to the other to make sure that there aren't any differences. If there are you can send it to someone with ScoreSense who will look at it and find out what is going on. I have 1 problem between my 3 reports. 2 of them agree that an outstanding account was closed. But the other company says that it is still open, and rating me worse.” – 5/5 in Play Store

Kenneth Deadmond: “Great app very friendly user face. And all you can imagine to help you secure your identity and help rebuild your credit. The customer service is very nice and polite understanding to individual needs. Would recommend to anyone trying to rebuild credit to download this app. It is a must have when it comes to credit insight. Thank you ScoreSence.” – 5/5 in Play Store

15. Dovly

Dovly Icon

AI credit engine, Credit repair, Credit monitoring


Cost: Basic (Free), Pro ($9.99/month)

Dovly is a mobile app that helps you build and monitor your credit score. It offers a variety of features to help you improve your financial health, including credit monitoring, personalized recommendations, and access to financial education resources. Dovly is designed to be easy to use and understand, making it a great option for anyone who wants to take control of their credit.

Download: Android, iOS

Dovly - AI credit engine, Credit repair, Credit monitoring
  • Tags:
  • AI Credit Engine
  • Free Credit Repair
  • Credit score monitoring

Application information:

Downloads 217652
Features Dovly is an AI credit builder that helps you build credit without the need for a credit card or loan.
Pros Build credit without a credit card or loan, Easy to use, Great for people with bad or no credit.
Cons Can take time to see results, May not be the best option for people who need to build credit quickly.

Comments and Reviews from users:

Farida Tashtoush: “I created an account and was able to do a dispute, but towards the end the app seems to freez. I tried few things like sign out all the way and I even tried to uninstall the app only to be unsuccessful again. I do see many people in the reviews are having issues with your app as well, including a frozen screen. Would you please assist us on fixing this issue? Thank you in advance! :)” – 3/5 in Play Store

Uber Account: “I been with Dovly for 3 months now. I am on the premium plan. The premium plan is suppose to dispute all 3 credit bureaus. However, the only bureau that is being disputed is transunion. Negative items and incorrect address have been deleted, so the service works. My concern is why pay for premium price when only one credit bureau is being disputed? Also, for some reason I have been kicked out of the app and I am no longer able to log back in. None of the links work.” – 4/5 in Play Store

16. CoolCredit

CoolCredit Icon

Real-time credit monitoring, Unlimited DIY credit repair


Cost: Free, Premium (39.99)

CoolCredit is a mobile app that helps you check your credit score and get personalized recommendations on how to improve it. It offers a free credit report and score, as well as personalized credit monitoring and alerts. CoolCredit also provides access to credit repair tools and resources, and can help you dispute inaccurate information on your credit report. With CoolCredit, you can stay on top of your credit health and take steps to improve your score.

Download: Android, iOS

CoolCredit - Real-time credit monitoring, Unlimited DIY credit repair
  • Tags:
  • Real-time monitoring
  • DIY Credit Repair
  • Unlimited Expert Advice

Application information:

Downloads 31719
Features DIY credit repair and score boosting tools, including credit report monitoring, score tracking, personalized recommendations, and dispute assistance.
Pros Easy to use, comprehensive features, personalized recommendations.
Cons May not be as effective as working with a professional credit repair company, requires consistent effort and time to see results.

Comments and Reviews from users:

MANISH KUMAR: “Wow!! Amazing apps... user interface is intuitive and easy to navigate. I didn't need additional knowledge to understand how it works. Everything is neatly organized, making it a breeze to track my progress.” – 5/5 in Play Store

Sudhir Kumar: “Cool Credit is a game-changer for credit management. This app offers a seamless way to create credit disputes with credit bureaus, simplifying the process and potentially improving your credit score. Its user-friendly interface and prompt dispute resolution make it an essential tool for anyone looking to take control of their credit profile. Cool Credit is a must-have for financial empowerment.” – 5/5 in Play Store

17. PebbleScore

PebbleScore Icon

Credit score monitoring, Credit report access, Personalized credit repair


Cost: PebbleScore Free (Free), PebbleScore Premium ($9.99/month)

PebbleScore is a mobile app that helps you check your credit score and get personalized recommendations on how to improve it. It's free to download and use, and it provides you with a detailed breakdown of your credit report, including your credit score, payment history, and outstanding debts. PebbleScore also offers tips and advice on how to improve your credit score, and it can help you track your progress over time. With PebbleScore, you can stay on top of your credit health and make informed decisions about your financial future.

Download: Android, iOS

PebbleScore - Credit score monitoring, Credit report access, Personalized credit repair
  • Tags:
  • Credit Score Tracking
  • Personalized recommendations
  • Credit Report Monitoring

Application information:

Downloads 14883
Features PebbleScore helps you repair your credit history and access low-interest loans.
Pros Helps repair credit history, Access to low-interest loans
Cons Monthly fee, Not a substitute for professional credit counseling

Comments and Reviews from users:

Sunday Adeowu: “Great app I must say! I am giving it a 4 star for now because I am not yet sure if the app can help with immediate repair of credit score to enable you qualify for a loan immediately too” – 4/5 in Play Store

Philip Nyako: “Through this app , I was able to know my credit well being. And how to go about repairing my credit score” – 5/5 in Play Store