Comparison

Experian® vs Zenfi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Experian®

Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

Highlights
  • Free credit report and FICO Score
  • Experian Boost to raise FICO Score
  • Credit monitoring and alerts
  • Marketplace for financial products
  • Bill negotiation and subscription cancellation
  • Experian CreditLock for identity theft protection
Features
Read full description

Get your Experian Credit Report and FICO® Score with a free membership—no credit card needed! Apply for credit cards and loans labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not approved^^. You could save an avg of $1,007/year on car insurance^^^. Chat with the Experian Virtual Assistant™. With a paid membership, you could save an avg of $721 with Bill Negotiation & Subscription Cancellation**and get an advance with Experian Cash™ powered by Brigit^.    GET STARTED FOR FREE ■Experian Boost®ø Raise your FICO® Score* using bills you already pay - cell phone, utilities, streaming services and eligible rent payments ■Credit monitoring  Stay informed if accounts are opened in your name, or new inquiries appear on your Experian credit report ■Marketplace^  Compare credit card, personal loan or car insurance quotes matched to your credit profile ■Financial health assessment#  Take a survey and get suggested actions to improve your overall financial health and see what steps you could take to improve it   PREMIUM BENEFITS   ■Bill Negotiation & Subscription Cancellation**   You could save time and up to $721 when we negotiate and cancel your bills  ■Experian CreditLock***  Protect against identity theft by locking your Experian credit file. Get real-time alerts if someone applies for credit in your name while locked  ■Experian Cash™ powered by Brigit##  Get a $25-250 advance when you need it most TERMS   See experian.com/legal for Terms of Use Agreement, Privacy Policy, Marketplace Licenses & Disclosures, Insurance State Licenses and Insurance Carrier Partner Details.   øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.   *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.   **Results will vary. Not all bills or subs eligible. Savings not guaranteed. $721 avg. est. savings w/ 1+ negotiation & 1+ cancelation. Paid membership w/connected payment account(s) req’d. See experian.com for details.  ***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences at Experian.com  ##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.    ^^Applying for cards and loans labeled ‘No Ding Decline™’ won’t hurt your credit scores if you aren’t initially approved. Initial approval will result in hard inquiry, which may impact your credit scores.    ^^^Results will vary and some may not see savings. Average savings of $1,007 per year for customers who switched and saved.   #Results may vary. The financial health assessment is for informational purposes only and is not intended to provide financial, legal, tax, or other advice.  ^Experian Cash™ is powered by Brigit. Not all users will qualify. Depending on eligibility, advances range from $25–$250.  Express delivery is optional and a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. You are not required to enroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advance with a free Experian membership. Terms apply.  ©2026 Experian. All rights reserved. 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.

About

Zenfi

Understand your credit report and score for free. Access your SAT fiscal information, monitor transactions, and receive personalized tips to improve your financial health. Take control of your money with this comprehensive financial tool.

Highlights
  • Free credit report consultation
  • Understand and improve credit score
  • Access SAT fiscal information
  • Monitor income and expenses
  • Personalized financial tips
  • Identity theft alerts
Features
Read full description

Zenfi es una aplicación gratuita que te permite consultar y comprender tu reporte de Buró de Crédito, score de crédito y tu información del SAT. • Consulta y comprende tu reporte de buró gratis Zenfi te ayuda a interpretar la información de tu reporte de Buró de Crédito. Descubre qué tan puntual eres y has sido con tus pagos, qué porcentaje de tus créditos utilizas, los años de experiencia que tienes manejando créditos, cuántas cuentas o créditos tienes activos, cuántas consultas tienes en buró en los últimos 12 meses y cuántas alertas de robo de identidad hemos detectado. • Conoce y mejora tu score de crédito Con Zenfi es posible consultar tu score de crédito sin dañarlo y sin costo alguno. Además, con base en tu información reportada en buró, te revelamos puntualmente qué estás haciendo bien y qué debes mejorar. Recibe tips personalizados que te ayudarán a mejorar tu calificación de manera progresiva y entérate de cuáles son las variables que tienen un impacto más importante en tu score crediticio. • Accede a tu información fiscal más fácil y desde tu celular Zenfi te ayuda a conocer y comprender tu información fiscal del SAT. Consulta tu régimen y obligaciones fiscales, así como tus datos de facturación. Descarga fácilmente tu Constancia de Situación Fiscal y Opinión de Cumplimiento. Monitorea tus facturas, tanto enviadas como recibidas, y configura notificaciones para facilitar su seguimiento. • Monitorea y controlar tus transacciones Zenfi te ayudará a llevar el control de todos tus ingresos e egresos. Podrían identificar cuánto gasta por mes y por categoría para que lleves un mejor control de tus finanzas. • ¿Qué es Zenfi? Zenfi es la primera aplicación de salud financiera en México. Nuestro objetivo es ayudar a las personas a mejorar su relación con el dinero proporcionándoles herramientas que les permitan comprender, diagnosticar y mejorar su situación financiera. • ¿Zenfi es seguro? Sabemos que tu información es muy importante, por eso nos aseguramos de proteger tus datos mediante conexiones SSL de 128-bits o superior. Asimismo, tu información se encuentra protegida conforme a lo establecido en nuestro aviso de privacidad, por lo que nunca compartimos ningún dato a terceros sin tu autorización. Política de Privacidad: https://www.zenfi.mx/privacy-policy Términos y condiciones: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Experian®4 screens
Zenfi4 screens

Verdict

The call

The clearest difference is ratings volume: Experian® at 2.7M against Zenfi's 639. Experian® also leads on chart position (#31 vs unranked) and update cadence (weekly vs fortnightly). Zenfi's advantage is review sentiment (75% vs 61%). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Experian® sells 6 in-app purchases, starting at $4.99 per month and Zenfi sells 8 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Experian® against 4.9 for Zenfi. That said, the two scores are not equally well evidenced: Experian® has 2.7M ratings behind it against 639, so its average is the more settled of the two. Written reviews are what separate them: 61% of Experian®'s written reviews are positive against 75% of Zenfi's.

UpkeepUpdate frequency

Experian® ships an update weekly, Zenfi fortnightly. Both last shipped on September 28, 2026.

Scorecard4 real differences · 7 level
Experian® versus Zenfi: the parameters behind the verdict, then further details
ParameterExperian®Zenfi
PriceFreeFree
Rating4.8 (2.7M ratings)4.9 (639 ratings) — better
Positive reviews61.2% of reviews75.0% of reviews — better
Number of ratings2.7M — better639
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#31 — better—
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.4 — better
Further details — not scored
Size234 MB85 MB
Age rating4+12+
DeveloperExperianZenfi Tecnologias, S.A.P.I. de C.V.

Customer experience

Experian®

All ratings2,708,122 ratings
Positive97.3%
Neutral2.0%
Negative0.7%
Written reviews1,778 reviews
Positive61.2%
Neutral5.2%
Negative33.6%

Zenfi

All ratings639 ratings
Positive98.0%
Neutral0.6%
Negative1.4%
Written reviews8 reviews
Positive75.0%
Neutral12.5%
Negative12.5%

Bugs and requests

Experian®

Reported bugs

3 issues
  • Repeated disconnection of bank accounts
  • Inability to view current credit report
  • Inconsistent credit score updates

Requested features

4 requests
  • More frequent credit report updates
  • Integration with other credit bureaus
  • Improved dispute resolution process
  • Customizable credit monitoring alerts

Zenfi

Not enough reviews yet to summarise bugs or requests.

In-app purchases

6 purchases

Experian®

Subscriptions6
  • Experian CreditWorks℠ with Trial7 Days trial$4.991 Month
  • Experian CreditWorks℠$4.991 Month
  • Experian CreditWorks℠ with Trial7 Days trial$9.991 Month
Show 3 more
  • Experian CreditWorks℠$9.991 Month
  • Experian CreditWorks℠ with Trial7 Days trial$19.991 Month
  • Experian CreditWorks℠$19.991 Month
8 purchases

Zenfi

Subscriptions6
  • SAT Plus$1.991 Month
  • SAT Plus$3.991 Month
  • Buró Plus$4.991 Month
Show 3 more
  • SAT Plus$19.991 Year
  • SAT Plus$39.991 Year
  • Buró Plus$49.991 Year
One-time2
  • Reporte de Buró$1.99
  • Reporte de Buró$2.99

Questions

Is Experian® free?
Experian® is free to download, with in-app purchases available.
Is Zenfi free?
Zenfi is free to download, with in-app purchases available.
Which has better reviews, Experian® or Zenfi?
Zenfi is rated higher. Experian® averages 4.8 out of 5 from 2.7M ratings, while Zenfi averages 4.9 from 639 ratings.
Do Experian® or Zenfi have ads?
Neither Experian® nor Zenfi shows ads.
Which is updated more often, Experian® or Zenfi?
Experian® ships an update weekly, and Zenfi fortnightly. Most recently, Experian® was updated on September 28, 2026 and Zenfi on September 28, 2026.

Other comparisons