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Up Credit - Personal Finance

Up Credit - Personal Finance

Credit Score & Report

530 ratings
27 reviews
💰 Finance

Archived App

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • October 1, 2021
  • July 27, 2023

Features

Developer

Up Credit Inc
✨Promote your app ✨
Up Credit - Personal Finance screenshot #1 for iPhone
Up Credit - Personal Finance screenshot #2 for iPhone
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Up Credit - Personal Finance screenshot #4 for iPhone
Up Credit - Personal Finance screenshot #5 for iPhone
Up Credit - Personal Finance screenshot #6 for iPhone
Up Credit - Personal Finance screenshot #7 for iPhone
Up Credit - Personal Finance screenshot #8 for iPhone
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Reviews summary↘︎
⭐27
Reviews↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦w/o updates
Updates frequency↘︎
🖼️Get Icon
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About

Monitor your credit score and access detailed reports from major bureaus. Receive personalized tips and manage your accounts in near real-time to improve your financial health. Gamified features make building credit engaging.

✓Credit Score monitoring
✓Detailed Credit Reports (Equifax, Experian, TransUnion)
✓Live Account Management
✓Custom Credit Plans
✓Gamified Credit Building (badges, points)
✓Relevant, non-intrusive ads
Show original description

What users say

Summarized from real user reviews of Up Credit. Based on 530 reviews and a 4.6/5 average, it highlights the 6 positives and 9 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to use and intuitive interface
  • 📊Clear credit score presentation
  • 💡Helpful credit improvement recommendations
  • 🎯Simple and straightforward design
  • 📱Accessible Equifax credit reports
  • ✨Informative and comprehensive credit information

Negative things

  • 🐛Persistent loading screen issues
  • 💸Misleading subscription model (claims 'free forever')
  • 📧Excessive spam emails with non-functional unsubscribe
  • 🔌App crashes and freezes frequently
  • ⏳Unresponsive customer support
  • 🚫Login and credential validation failures
  • ❌Report generation hangs indefinitely
  • 🔐Forced paywall for basic access
  • ⚠️Beta waitlist issues preventing app access
See all reviews

What's New in Up Credit

7.2.0

July 27, 2023

Improved Plan Items Bug Fixes

User reviews

Most RecentHighest RatedLowest Rated

NOT WORKING LOADING SCREEN FOREVER SCAM

SCAM AS OTHER REVIEW HAS SAID. REPORTING TO MY BANK!!!

This app has stopped working after one or two times of giving you information. This has been going on for the last several weeks. It has a loading screen that never fully loads. You pay for a subscription of $1.00 a month and you get nothing. You get no credit scores, no information. It does send you spam e-mail. I do not recommend until they FIX.
Show more
ANGELIVXXXANGELIVXXX

Update

App needs an overall update to the in app services as i myself cannot open my report from experian

Thanks,
what-?-what-?-

NOT WORKING LOADING SCREEN FOREVER

This app has stopped working after one or two times of giving you information. This has been going on for the last several weeks. It has a loading screen that never fully loads. You pay for a subscription of $1.00 a month and you get nothing. You get no credit scores, no information. It does send you spam e-mail. I do not recommend until they FIX.
Show more
ANGELIVXXXANGELIVXXX

Cu

Apps seems to help. Out fine maybe needs an update .
what-?-what-?-

Total scam.

It’s impossible to even login to this app any more without paying a subscription fee even though the website says “Free forever!” Trying to login on the site just goes to a blank page no matter what browser you use. They don’t respond to emails. The support number listed will immediately hang up on you no matter option you select. No way to even change a password or delete your account now. This is a SCAM.
Show more
CuthpasteCuthpaste
See 22 more reviews

User experience

🐞

Reported Bugs

9 issues

Loading screen never completes

Bug

App crashes on login after credential entry

Bug

Report generation stuck on 'Generating Report' screen

Bug

Quiz questions run off-screen during registration

Bug

Phone number not recognized during registration

Bug

Invalid credentials error loop

Bug

Blank page on website login

Bug

App becomes unresponsive after updates

Bug

Beta capacity full with excessive waitlists

Bug
✨

Requested Features

5 requests

Historical credit score tracking (month-to-month comparison)

Feature

Improved help documentation and feature tutorials

Feature

Better credit improvement task guidance

Feature

Functional unsubscribe/email preference management

Feature

Overall app stability update

Feature

FAQ

What does Up Credit do?

Up Credit helps you monitor your credit score, access detailed credit reports from Equifax, Experian, and TransUnion, and provides personalized tips for improving your credit. It also offers features for managing your accounts in near real-time.

What are the key features of Up Credit?

Key features include checking your credit score, viewing detailed credit reports from three major bureaus, managing all your credit accounts from one place, and receiving custom plans tailored to your financial needs. It also incorporates gamified elements like badges and points to make building credit more engaging.

Is Up Credit free to use?

The app offers a free tier with access to basic credit score information and reports from Equifax. Premium users can upgrade to get reports from Experian and TransUnion, commonly referred to as a 3-bureau credit report. Advertisements are present but designed to be relevant and non-intrusive.

Which credit bureaus does Up Credit use?

Up Credit pulls basic user information from Equifax. For a more comprehensive view, premium users can upgrade to access credit reports from Experian and TransUnion, providing a 3-bureau credit report.

How does Up Credit help me improve my credit?

The app provides insights into the factors affecting your credit score and offers tailored credit plans designed to guide you toward a better score. It also allows you to monitor your credit report for changes and manage your accounts effectively to avoid missing due dates.