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Best Credit Score Monitoring Apps 2021

Whether you're trying to improve your credit or are worried about identity theft, credit monitoring apps can improve your financial health and give you peace of mind. We tried nine to find the best.

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Best Credit Score Monitoring Apps 2021
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Credit scores are an important part of personal finance, but they can be confusing. Luckily, there are many apps that help monitor your credit scores, alerting you to any changes and providing resources and tips for improving your credit.

We found that Credit Karma offered a robust free service with lots of resources and that WalletHub was another totally free option with great visuals. Experian was the best app for a credit bureau, and The Credit Pros is best for people who need to improve damaged credit. 

Our Pick

Best overall credit monitoring app

  • Make the most of your finances with your free credit scores and reports.
    4.8 Ratings 6M+ Reviews 10M+ Downloads
    Free Feature Rich Fresh 1M+ Reviews
    Free
    Free

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Credit Karma is a unicorn app: both free and incredibly feature-rich. The best value, hands down. 

Why we chose Credit Karma:

  • Totally free, with no upgrade options
  • Monitors credit scores from 2 of the 3 bureaus: TransUnion and Equifax. Daily score checks keep you apprised of any changes or suspicious activity
  • With tons of educational resources, Credit Karma can help you understand and improve your financial health.
  • Personalized offers with approval odds help you find credit cards, loans, and more that suit your individual situation.
  • The score simulator tool helps you understand the impact of different financial decisions.

Credit Karma is an incredibly useful tool for tracking, understanding, and improving your credit.

Read Credit Karma's Full Review
Runner Up

Best detailed credit reporting

  • WalletHub offers free credit scores and credit reports that update daily.
    4.7 Ratings 13K+ Reviews 100K+ Downloads
    Free Feature Rich
    Free
    Free

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A credit score app that helps you get a handle on the nitty gritty of your finances. 

Why we chose WalletHub

  • WalletHub is totally free.
  • Provides TransUnion credit score and report, as well as daily checks.
  • Detailed credit reports help you understand every aspect of your score.
  • Score simulator tool shows how different actions might impact your financial health
  • Well-designed graphics help you to fully comprehend your credit score using clear and informative charts and graphs.
  • Detailed views of your accounts help you prioritize payments.

If you're looking for a free credit monitoring app that helps you understand your credit, Wallet Hub is a solid choice.

Read WalletHub's Full Review
Also Groovy

Best official credit bureau app

  • Instantly increase your credit scores for free. Only with Experian Boost™!
    4.8 Ratings 2M+ Reviews 10M+ Downloads
    Free Feature Rich Fresh 1M+ Reviews
    Free
    Free In-App Purchases

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Experian is one of the three major credit bureaus. Their official app can help you understand and improve your score. 

Why we chose Experian:

  • Free Experian score and credit monitoring
  • A premium version ($20 per month) provides access to all three scores as well as identity theft protection.
  • The cheaper plus version ($9.99 per month) offers credit lock and some identity protection, but also only has the Experian score.
  • Clear visual displays help you understand your credit report.
  • If you're concerned about identity theft, the premium option includes identity theft insurance.
  • Bill negotiator tool can help reduce your payments -- and you only pay if the negotiation is successful. 

While we don't think the premium features are necessary for most people, the free version of Experian is a great way to keep track of that score.

Read Experian's Full Review
Also Groovy

Best for improving damaged credit

  • The Credit Pros credit repair service improves American’s credit scores.
    4.6 Ratings 894+ Reviews 10K+ Downloads
    Free Fresh
    Free
    Free

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If you need personalized help with your credit, whether you're trying to fix bad credit or don't have much credit history, The Credit Pros can help. 

Why we chose The Credit Pros:

  • With a $119 start-up fee followed by a $69 per month subscription, The Credit Pros is a significant investment.
  • The Credit Pros do all the legwork involved in getting negative items off your credit report.
  • Starting with an initial consultation, you get personalized assistance and are encouraged to ask your advisor about any new financial decisions.
  • Offers lots of tips and resources for building (or building back) credit.

 The price is high, but an improved credit score and help keeping it that way may be worth it for people with considerably damaged credit.

Read The Credit Pros' Full Review

Everything We Recommend

  • Our Pick
    From spotting identity theft to getting personalized loan and credit card recommendations. Ready to make financial progress?

    Check your free credit scores – Take a look at your free credit reports to learn what affects your credit score and how you can take control.

    Credit Karma Money™ Spend – A whole new kind of checking experience with no hidden fees,* two-day Early Payday,** and a daily chance to win Instant Karma™ cash reimbursements for debit card purchases.***

    Credit Karma Money™ Save – We’re making it easy to save with no fees, a high-yield savings rate and a monthly chance to win a $20,000 Instant Karma™ cash boost when you make a deposit.****

    Explore the Relief Roadmap – Connect with government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more.

    Free ID monitoring – We help you spot potential identity theft and give you tips for keeping your personal information safer.

    Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports.

    Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying.

    Credit card choices – Browse great credit card offers based on your unique credit profile.

    All things auto – Tune up your auto loan, save on car insurance, see open recalls and find vehicle records.

    Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter.

    Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile.

    Credit Karma Tax® – Filing your 2020 state and federal tax returns with the IRS is 100% free from start to finish, plus you’ll get our Maximum Refund Guarantee**, Audit Defense*** and dedicated support.

    Search unclaimed money – See if any of the more than $40 billion in unclaimed money has your name on it.

    Join more than 100 million members and get all these features, and more, for free. Download the Credit Karma app now.

    DISCLAIMER
    Banking services provided by MVB Bank, Inc., Member FDIC.
    *Third-party fees may apply.

    **Compared to standard electronic deposit. Early access is dependent on timing of payor’s submission.

    ***NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#instant

    ****NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#savings-instant

    *****If you receive a larger federal tax refund amount or owe less in federal taxes using the same Tax Return Information when filing an amended return through another online tax preparation service, then you may be eligible to receive the difference in the refund or tax amount owed up to $100 (minimum $25) in the form of a gift card from Credit Karma Tax®. For details and eligibility, see https://www.creditkarma.com/tax/programterms#1.

    ******For details and eligibility, see https://www.creditkarma.com/lp/audit-defense-terms/. Exclusions apply.

    $2781 provided in the Credit Karma Tax phone screen image is the average 2018 Federal tax refund based on data provided by the IRS. $2973 is the average 2018 State tax refund in CA based on data provided by the CA Department of Revenue.

    Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at https://www.creditkarma.com/about/mortgage-licenses.
    Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | California loans arranged pursuant to a California Financing Law license.
    Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).
    Cost
    Free
    Free
    In-App Purchases
    No
    No
  • Runner Up
    WalletHub is the first app to offer 100% free credit scores and full credit reports that update on a daily basis. WalletHub also provides a personalized plan for saving money and improving your credit score. Download this award-winning app and reach top WalletFitness®.

    Sign up for a free WalletHub account to get:
    • Free credit scores, updated daily
    • A clear plan for improving your score
    • Free credit reports, updated daily
    • 24/7 credit monitoring to warn you of identity theft and fraud
    • Savings alerts so you can repay your debt faster and avoid overpaying on your credit cards and loans
    • Your custom-built debt payoff plan


    2,000+ News Mentions, Including:
    • The Wall Street Journal
    • The New York Times
    • The Washington Post
    • CNBC
    • Yahoo Finance
    • MSN Money
    • Forbes


    Frequently Asked Questions:

    Q: Is WalletHub Really Free?

    A: Yes, it’s 100% free, and we’ll never even ask you for a credit card number.


    Q: Will Using WalletHub Hurt My Credit?

    A: Not at all. It’s only a “soft” inquiry when you check your latest credit report and score through WalletHub. So WalletHub may only help your credit as a result.


    Q: Why WalletHub?

    A: While there are a number of places to get a free credit score and free credit report (or at least a free trial) – from Credit Karma to Capital One’s Credit Wise – WalletHub's credit score app offer daily updates and a clear action plan. We’ll also give you personalized credit-improvement tips and help you maximize your savings as well as minimize your debt.


    Q: Does The WalletHub App Include All WalletHub Features?

    A: No, for the full WalletHub experience and accessibility features please use our website at https://wallethub.com


    Q: How Will WalletHub Save Me Money?

    A: Whether you have excellent credit or bad credit, WalletHub will automatically hunt for better deals so you’ll never get taken advantage of. And if your credit isn’t perfect, we’ll also help you improve it, enabling you to save thousands each year on your credit cards, mortgage, auto loan, student loan, car insurance and more. A strong credit rating will help indirectly with potential employers and landlords, too.


    Q: Can WalletHub Help Me Improve My Credit?

    A: WalletHub analyzes your latest credit score and report to identify your credit strengths and weaknesses. We then run a number of simulations to determine how different actions will impact your credit standing. Finally, we present you with a customized credit-improvement plan, along with a comprehensive credit scorecard. You can check it out on your account’s Credit Analysis page.


    As your credit score improves, WalletHub will also give you personalized tips about which credit cards offer the highest approval odds and the most savings.


    Q: How Does 24/7 Credit Monitoring Work?

    A: WalletHub’s free credit monitoring keeps a round-the-clock watch on your TransUnion credit report and will notify you whenever there is an important change. In addition to email alerts, you can also customize your WalletHub account to receive SMS alerts, which most credit monitoring services don’t provide. This will give you the chance to quickly confirm the accuracy of credit-report changes and, if necessary, start sorting out any problems before they really get out of hand.
    Cost
    Free
    Free
    In-App Purchases
    No
    No
  • Also Groovy

    Experian

    4.8 Ratings 2M+ Reviews 10M+ Downloads
    Get your FREE Experian Credit Report & FICO® Score* – anytime, anywhere! Checking your own report doesn’t hurt your credit, and there’s no credit card required. And now, for the first time, you can raise your FICO Score instantly with Experian Boost™**. You’ll get the credit you deserve for the utility, cell phone and streaming service payments you’re already making.

    See what's helping or hurting your FICO® Score, learn how your credit report impacts your FICO Score and interact with your credit in a completely re-imagined way. Always be in the know with credit monitoring and alerts that notify you when key changes to your Experian Credit Report & FICO Score occur.

    Plus, take advantage of Experian CreditMatch™*** to find better credit cards and apply with confidence thanks to matches based on your FICO® Score.

    KEY FEATURES:

    FREE FICO® SCORE* and EXPERIAN CREDIT REPORT
    • Track your FICO Score and see which financial behaviors are helping or hurting.
    • Better understand the kind of information lenders see – like credit accounts, inquiries and public records.
    • Automatically updates every 30 days upon sign-in.

    EXPERIAN BOOST**
    • Connect your accounts to increase your FICO® Score instantly.
    • Look better to lenders and save money by qualifying for better rates and offers.

    EXPERIAN CREDITMATCH***
    • See credit card matches based on your FICO® Score.
    • Compare your best options and make your choice.

    CREDITLOCK****
    • Easily lock your Experian Credit File and guard yourself against identity theft with the touch of a button.
    • Prevent unauthorized credit activity with real-time alerts if someone tries to apply for credit in your name while your credit file is locked.

    CREDIT MONITORING & ALERTS
    • Know when your FICO® Score changes, new accounts are opened in your name or new inquiries appear
    on your credit report.
    • Push notifications, when enabled, will send alerts directly to your device.

    BILL NEGOTIATOR*****
    • Upload your bills, and we negotiate for you. If we can’t, there is no charge.

    ABOUT EXPERIAN®
    Experian is the first company and credit bureau to offer online credit reporting services in the U.S. We empower consumers to manage and improve their financial status, while helping protect against fraud and identity theft.

    Privacy Policy: https://usa.experian.com/login/#/publicPrivacyPolicy
    Terms & Conditions: https://usa.experian.com/login/#/publicTermsAndConditionsFree

    *Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8 or another type of credit score altogether. To learn more: https://www.experian.com

    **Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

    ***Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states. See experian.com for details.

    ****Experian CreditLock is a separate service from Security Freeze:
    https://www.experian.com/freeze/center.html. To learn more about the differences between CreditLock and Security Freeze, please visit: https://www.experian.com/blogs/ask-experian/whats-the-difference-between-
    freezing-or-locking-my-credit/

    *****Bill Negotiator - Results may vary. Some may not receive negotiated discounts or savings. Learn more: https://www.experian.com/consumer-products/bill-negotiator.com

    © 2021 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures.
    Cost
    Free
    Free
    In-App Purchases
    No
    $4.99 - $19.99 per item
    The Credit Pros is a technology-enabled credit repair service focused on improving American’s credit profiles. Staffed by a team of experienced credit experts, The Credit Pros' helps clients to remove erroneous credit information and offers industry-leading personal finance training and advice. The Credit Pros offers free credit consultations in order to educate clients on how the credit system works and what proactive measures are needed to improve their credit.

    TheCreditPros Client App

    Key Features:

    CREDIT REPORT

    * TCP Clients get Transunion credit scores, reports, and real-time monitoring at no extra cost.
    * View your report and get Score Impact breakdown with actionable advice
    * Review recent changes to your profile through Transunion© credit monitoring
    * Track your credit score increase over time


    CREDIT REPAIR

    * Easily access all of your current credit disputes
    * Review pending items, recent wins, and dispute updates
    * Easily access all credit dispute documentation on your account


    CONTACT CENTER

    * Receive timely push notifications for all important changes
    * Upload documents and images directly from your phone’s camera
    * Schedule an appointment directly from your phone with someone on the TCP team
    * Need to update your payment info? Do it right from the phone


    TRAINING CENTER

    * Browse through cutting edge personal finance video content
    * Have a question? Our F.A.Q. gives timely credit advice in times of need


    Not a client yet? Visit https://thecreditpros.com for more information or call (800) 411-3050

    TheCreditPros
    Cost
    Free
    Free
    In-App Purchases
    No
    No
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The 411 from our Appventurer

Caroline Rothnie
Written by:

Caroline Rothnie

Best Credit Score Monitoring Apps 2021

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