# Experian® vs Upwardli

The clearest difference is review sentiment: Experian® at 61% against Upwardli's 13%. Experian® also leads on rating (4.8 vs 2.8) and ads (none vs shown). Upwardli's advantage is in-app purchases (none vs 6) and iOS requirement (13.0 vs 17.0). On price and device support there is nothing between them.

Both are free to download. Experian® sells 6 in-app purchases, starting at $4.99 per month. Upwardli asks for nothing beyond the download.

Experian® holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: Experian® has 2.7M ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 61% of Experian®'s written reviews are positive against 13% of Upwardli's.

Experian® ships an update weekly, Upwardli every 6 months. The most recent releases landed on September 27, 2026 and June 5, 2026 respectively.

## The numbers

| Metric | Experian® | Upwardli |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.7M ratings)](https://appshunter.io/ios/app/experian/id1087101090/reviews)** | [2.8 (14 ratings)](https://appshunter.io/ios/app/upwardli/id1586372881/reviews) |
| Number of ratings | **2.7M** | 14 |
| Positive reviews | **61.2% of reviews** | 12.5% of reviews |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 6 months |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Best chart rank | **#29** | — |
| Size | 234 MB | 18 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Experian](https://appshunter.io/developer/1087101089) | [Upward Financial Inc.](https://appshunter.io/developer/1586372883) |

## What reviewers say

### Experian®

[App page](https://appshunter.io/ios/app/experian/id1087101090)

**Currently charting:** #29 Top Free · Finance, #43 Top Grossing · Finance (US App Store)

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:** Apple Wallet

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Experian CreditWorks℠ with Trial | $4.99 | per month |
| Experian CreditWorks℠ | $4.99 | per month |
| Experian CreditWorks℠ with Trial | $9.99 | per month |
| Experian CreditWorks℠ | $9.99 | per month |
| Experian CreditWorks℠ with Trial | $19.99 | per month |
| Experian CreditWorks℠ | $19.99 | per month |

**What reviewers like**

- 🚀 Accurate credit score monitoring
- 👍 Helpful credit improvement tips
- 🔒 Secure credit report access
- 💡 Useful Experian Boost feature
- 🚀 Convenient credit tracking

**What reviewers complain about**

- 🐛 Inaccurate credit score reporting
- 🔒 Poor customer service and support
- 💰 Overpriced premium subscription
- 🐛 Buggy app performance
- 🔒 Difficult to cancel subscription

**Reported bugs**

- Repeated disconnection of bank accounts
- Inability to view current credit report
- Inconsistent credit score updates

**Requested features**

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


### Upwardli

[App page](https://appshunter.io/ios/app/upwardli/id1586372881)

This app helps newcomers to U.S. financial services build their credit score and get approved for financial products. It offers personalized plans and instant pre-approvals, making financial progress accessible.

**Highlights:** Personalized credit action plans, Instant pre-approvals for financial services, Guidance on best credit card and bank options, Explanation of key financial terms, Tailored for immigrants and visa holders

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Experian® free?

Experian® is free to download, with in-app purchases available.

### Is Upwardli free?

Upwardli is free to download, with no in-app purchases.

### Which has better reviews, Experian® or Upwardli?

Experian® is rated higher. Experian® averages 4.8 out of 5 from 2.7M ratings, while Upwardli averages 2.8 from 14 ratings.

### Do Experian® or Upwardli have ads?

Upwardli shows ads; Experian® does not.

### Which is updated more often, Experian® or Upwardli?

Experian® ships an update weekly, and Upwardli every 6 months. Most recently, Experian® was updated on September 27, 2026 and Upwardli on June 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*