# Experian® vs CoolCredit

The clearest difference is ratings volume: Experian® at 2.7M against CoolCredit's 53. Experian® also leads on rating (4.8 vs 4.5) and chart position (#28 vs unranked). CoolCredit's advantage is review sentiment (75% vs 61%) and iOS requirement (15.6 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Experian® sells 6 in-app purchases, starting at $4.99 per month and CoolCredit sells 3 in-app purchases, starting at $10.00 per month. Whichever you choose, the download price is not the number that matters.

Experian® holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Experian® has 2.7M ratings behind it against 53, so its average is the more settled of the two. Written reviews complicate that: 61% of Experian®'s written reviews are positive against 75% of CoolCredit's, so the app with the better star average is not the one people write more warmly about.

Experian® ships an update weekly, CoolCredit every 11 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Experian® | CoolCredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.7M ratings)](https://appshunter.io/ios/app/experian/id1087101090/reviews)** | [4.5 (53 ratings)](https://appshunter.io/ios/app/coolcredit/id6450412664/reviews) |
| Number of ratings | **2.7M** | 53 |
| Positive reviews | 61.0% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 11 days |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#28** | — |
| Size | 240 MB | 173 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Experian](https://appshunter.io/developer/1087101089) | [Cool Credit LLC](https://appshunter.io/developer/1693193731) |

## What reviewers say

### Experian®

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

**Currently charting:** #28 Top Free · Finance, #41 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


### CoolCredit

[App page](https://appshunter.io/ios/app/coolcredit/id6450412664)

This app helps you improve and manage your credit health by offering personalized ways to boost your score, repair negative issues, and providing real-time monitoring and expert guidance. It features a CreditBooster to positively impact your score and educational courses for financial literacy.

**Highlights:** Credit score boosting, Credit report repair, Real-time credit monitoring, Expert credit guidance, Financial education courses, Community support

**Features:** Apple Wallet, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| CoolCredit Pro | $10.00 | per month |
| CoolCredit Pro Monthly | $12.00 | per month |
| CoolCredit Pro Yearly | $96.00 | per year |


## Frequently asked questions

### Is Experian® free?

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

### Is CoolCredit free?

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

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

Experian® is rated higher. Experian® averages 4.8 out of 5 from 2.7M ratings, while CoolCredit averages 4.5 from 53 ratings.

### Do Experian® or CoolCredit have ads?

Neither Experian® nor CoolCredit shows ads.

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

Experian® ships an update weekly, and CoolCredit every 11 days. Most recently, Experian® was updated on October 25, 2026 and CoolCredit on October 24, 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.*