# WalletHub: Credit & Budgeting — user reviews > 404 indexed App Store user reviews of WalletHub by Evolution Finance, Inc., rated 4.84/5 from 9,995 ratings. - Source: https://appshunter.io/ios/app/wallethub-credit-and-budgeting/id1110552982/reviews - App overview in markdown: https://appshunter.io/ios/app/wallethub-credit-and-budgeting/id1110552982.md - Rating breakdown: 5★ 8,443 · 4★ 685 · 3★ 106 · 2★ 32 · 1★ 119 ## What do users think of WalletHub? Overall sentiment: positive **Pros** - 👍 Helpful and informative - 🚀 Accurate and fast updates - 🔒 Secure and reliable - 💡 Great credit monitoring tools - 👍 Easy to use and navigate - 🚀 Provides valuable insights **Cons** - 🐛 Occasional login/access issues - 🔒 Concerns about data privacy - 💡 Needs more customization options - 🐛 Inconsistent performance **Commonly reported bugs** - App crashes or freezes on some devices - Notifications not always working as expected **Most requested features** - Add phone support for inquiries - Expand credit report data sources - Improve credit score simulation tools - Provide more detailed credit analysis ## Newest reviews (19 of 404) ### 5/5 — Grateful *2026-08-02, version 2.1.1* I can always check my credit scores ### 5/5 — Quick look at my scores *2026-08-01, version 2.1.1* WalletHub was the OG before all the other credit apps, I still use it to check scores, progress, etc. ### 5/5 — Helping hand Hub *2026-07-25, version 2.1.1* I’m pretty impressed with WalletHubs services. They have a very easy to navigate app and helpful hints tips and tricks for budgeting and tracking your finances. ### 5/5 — Well organized *2026-07-22, version 2.1.1* Very easy to navigate and understand. ### 5/5 — WalletHub App Rocks! *2026-07-19, version 2.1.1* I absolutely live the rich financial planning features offered through the WalletHub App. It’s really rich with features and the capabilities are endless! Keep up the great work with this app. It’s truly an amazing financial app and I’ve used a bunch of them. This is my favorite!!!! ### 5/5 — Wallet hub *2026-07-19, version 2.1.1* I really enjoy using it it’s been on top of things I learned me when I need it to be alerted and just a wonderful app ### 5/5 — So helpful *2026-07-18, version 2.1.1* Really an amazing tool and very accurate ### 5/5 — Great service *2026-07-17, version 2.1.1* Great App ### 5/5 — Done *2026-07-17, version 2.1.1* Best app hands down ### 5/5 — Awesome credit tracker *2026-07-07, version 2.1.1* Keeps me updated on and credit issues and my credit score! Great tool to have!! ### 5/5 — Love the quick response *2026-06-25, version 2.0.0* Loving the wallet hub and quick responses ### 5/5 — Great App *2026-06-23, version 2.0.0* Does exactly what it says it does and a lot more. Seriously, just a great app. ### 5/5 — Awesome Service *2026-06-16, version 2.0.0* This is a must have service. Let’s me know what I need to know in time. ### 5/5 — great app *2026-06-16, version 2.0.0* so easy to stay in the know with my credit score. ### 3/5 — Bug when leaving app *2026-06-13, version 2.0.0* Awesome app it’s just that there is a bug where you are looking at loans or debt it gets stuck and the back button doesn’t work. It stays on that page unless you delete the app. Pls fix ### 5/5 — My credit *2026-06-11, version 2.0.0* Really nice accurate app ### 5/5 — Excellent *2026-06-03, version 2.0.0* WalletHub has been really amazing with keeping me up to date on my credit score and I can do to improve it. Highly recommend ### 5/5 — Helpful must-have *2026-06-02, version 2.0.0* Information provided to User that adds convenience to overseeing your credit ### 5/5 — Good *2026-05-31, version 2.0.0* Happy with my report ## Most critical reviews (10 lowest-rated) ### 1/5 — Vague Refund Policy *2026-06-26, version 2.0.0* WalletHub advertises their 30day refund guarantee in-app on the same feature page you’re shown when purchasing your subscription. However your in-app purchase cannot be refunded as the policy only works for directly purchased subscriptions (from their website I guess). This seems like a plainly deceitful tactic. ### 1/5 — Confusing *2026-03-23, version 2.0.0* App has a lot of potential. I’ve been using app for a few years but app seems to be getting worse. App will alert user with a number in the app that user has a notification. Opening the app doesn’t take the user to the notification. User has to click around and may or may not find the notification. Compared to other financial apps this one needs work and isn’t worth the paid version ias both my financial institutions are not supported by its third party. Additionally, they offer a 30 day money back guarantee but fail to state that if the sign up is paid through Apple you don’t. Account stays active for a year then stops putting the user out the $100 fee. Deceptive. There are better apps out there that support your bank, credit union are upfront about ‘30 day money back guarantee’ buyer beware. ### 1/5 — Fix bug *2026-02-18, version 1.19.12* Bug 2026 ### 1/5 — Terrible *2026-02-03, version 1.19.12* Spammy and won’t delete my account ### 1/5 — No customer service auto block *2025-11-03, version 1.19.12* This is the worst app I’ve ever had to deal with I tried syncing my accounts but they wouldn’t sync so I keep trying the they auto blocked my ip address so I can’t even cancel in a way to get my money back there is no phone number or any help just an email they never respond to the app throws up error saying it can’t update with no update available in the App Store this app Is complete trash avoid it ### 1/5 — Scam *2025-09-24, version 1.19.12* ⚠️ The Truth About “Free Credit Scores” & Card Offers A lot of people don’t realize this, but sites like WalletHub, Credit Karma, and others make money when you apply for credit cards through them. Every time you hit “Apply Now,” they get a commission from the credit card company. Here’s what they don’t tell you clearly: The score they show you is NOT your real score. Most of these sites show a VantageScore, but 90% of lenders use your FICO Score. Your “free score” could be off by dozens of points compared to what banks actually see. Applying for new cards usually lowers your score — at least at first. A hard inquiry knocks points off right away. A new account lowers the average age of your credit history. If the account just sits there unused, it doesn’t “build” anything. Why they push it so hard. Their business model depends on applications. The more you apply, the more money they make — even if it hurts your credit. ✅ What really builds credit long-term: Paying every bill on time. Keeping balances low (under 10% of your limit is best). Holding onto older accounts to build history. Limiting new applications to when you truly need them. Don’t let flashy “recommended cards” fool you into thinking you’re helping your credit when you’re really setting yourself back. Protect your credit like it’s an asset — because it is. ### 1/5 — Clunky, Stupid Settings *2025-07-27, version 1.18.8* App is extremely clunky and annoying to use, but, you know... Apple gonna Apple and promote this, as if it's actually worthy of a 4.8 Rating. Should be 3.9 ### 1/5 — Careful!! It’s a scam when buying. *2025-07-20, version 1.18.8* I bought the subscription for a year, and they didn’t activate my profile. I’ve sent many emails and they didn’t refund the money either. They want me to pay for another subscription so they can supposedly refund me the money on an Amazon gift card… they’re scammers. Be careful, don’t trust them. ### 1/5 — Confusing *2025-07-07, version 1.18.8* App has a lot of potential but isn’t very confusing. I’ve been using app for a few years but app seems to be getting worse. App will alert user with a number in the app that user has a notification. Opening the app doesn’t take the user to the notification. User has to click around and may or may not find the notification. Compared to other financial apps this one needs work and isn’t worth the paid version if the free one is user unfriendly. ### 1/5 — Charged me even after uninstalling *2025-05-12, version 1.18.8* Do not install this app or if you do be sure to cancel the subscription in your settings if you uninstall it. I installed it and uninstalled it immediately after seeing the annual fees but a month later they charged me as the subscription was added immediately upon installation. I could only cancel next year’s subscription fees. Lost the $50 for this year. ## Most praised reviews (10 highest-rated) ### 5/5 — IT JUST WORKS *2026-08-21, version 2.1.1* I’ve been using WalletHub for several years, it’s simply reliable ### 5/5 — Love this app legit *2026-08-21, version 2.1.1* I love this app works wonderfully ### 5/5 — President *2026-08-17, version 2.1.1* Always awesome experience! ### 5/5 — Premium App *2026-08-13, version 2.1.1* Collection agencies have 1 and only 1 goal. Get your money no matter what it takes. Types of accounts listed fraudulently, dates are changed to re-age your debt. If you dispute the info, they retaliate by destroying the credit you do have and the bureaus meant to protect you, help them. You need a company like WalletHub to watch your back so you can continue the daily grind just to feed your family. I trust nothing and damn near no one. I trust WalletHub to watch my credit, watch these unscrupulous agencies and watch your identity from being stolen and used. If I can trust them, so can you. They guarantee their services. Trust = WalletHub. ### 5/5 — ⭐️⭐️⭐️⭐️⭐️EXCELLENT! *2026-08-13, version 2.1.1* ⭐️⭐️⭐️⭐️⭐️EXCELLENT! ### 5/5 — Wallet Hun *2026-08-12, version 2.1.1* I am happy to write a review. Wallet Hub keeps me up to date. I look forward to hearing from them. ### 5/5 — Close to actual Scores *2026-08-11, version 2.1.1* The scores are generally right on point. I believe third party reports and points are also easier to read and understand if not easier to read and comprehend. ### 5/5 — Very satisfied *2026-08-09, version 2.1.1* The app notify about my credit score ### 5/5 — Great app and service *2026-08-09, version 2.1.1* No other app does this better. ### 5/5 — Great services *2026-08-02, version 2.1.1* On point with everything --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*