Comparison

ScoreMaster® vs CoolCredit

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

Head to head
About

ScoreMaster®

Take control of your credit, identity, money, and online privacy. This app offers tools to improve your credit score, monitor for fraud, and manage your finances all in one place.

Highlights
  • 24/7 Credit Monitoring
  • Credit Reporting Error Removal
  • Integrated Money Manager
  • Online Privacy Protection
  • Fraud Insurance
  • Credit Score Alerts
  • 3-Bureau Credit Report Comparison
Read full description

Ready to take ownership of your credit, identity, money, and online privacy? ScoreMaster® is the place for you. Need credit score points fast? Our average user adds 61 points in their first 20 days! We even have a personalized plan to help you achieve your best score. And that means qualifying for lower-rate mortgage loans, car loans, credit cards – everything you want out of life – saving you thousands in interest. We also help you maintain your credit score, take your online privacy back, and more with our complete list of mobile-first features (see below). Features 24/7 Credit Monitoring: Catch mistakes or fraudulent activity on your credit reports. Action Buttons: Remove credit reporting errors, remove identity theft, and ask questions directly with your creditors. 
 Money Manager: Handle all your online banking, credit cards, and investments in one place. 
 PrivacyMaster®: Remove your private information from third-party websites and stop them from selling it (at the push of a button). 
 $1 Million Fraud Insurance: Full coverage for your whole family, including pre-existing issues. 
 Alerts: Receive alerts for suspicious activity, payments due, and credit monitoring events. 
 3B Report & Scores: A side-by-side comparison of how your credit report looks across the three major credit bureaus. Many providers can help you with one or two of these areas, but ScoreMaster® is the first to combine it all in one platform. Get started now!

About

CoolCredit

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
Read full description

Welcome to CoolCredit! CoolCredit is an innovative application designed to help individuals improve and manage their credit health. By offering personalized ways to boost credit scores, repair and remedy negative issues on credit reports, and supplement users with real-time credit monitoring and expert guidance, CoolCredit empowers users to take control of their financial future. Whether you're looking to repair your credit or optimize your financial standing, CoolCredit provides the resources and support you need for a brighter financial future. Why CoolCredit? CreditBooster: Boost Your Credit Health Quickly CoolCredit’s Booster Payment Plans offer a quick way to improve your credit health and a smart strategy that positively contributes to your credit score. Making timely payments gets users immediate positive traction with your credit score, providing a valuable path to improve one’s credit standing. The best part is it’s repeatable, allowing users an easy way to enhance their scores over time. In addition, purchasing the Credit Booster also unlocks “CoolCredit Courses”, which contain valuable educational material that you can use in your day-to-day life to improve your financial situation. This proactive approach allows you to see immediate impacts on your credit score and get on the path to great credit. Expert Assist Credit Repair options Expert Assist is available every step of the way for a small fee and greater peace of mind. Educational Resources: Empower Your Credit Score With the Right Knowledge We believe everyone deserves a chance to improve their financial health. Whether you're looking to boost your credit score or repair your credit history, our comprehensive credit education courses are designed to guide you every step of the way. Coupled with the Credit Booster payment option, CoolCredit’s courses help guide you toward sustained credit health for the future. Seamless User Experience and Rigorous Data Privacy Our long-term strategy ensures that you build a robust financial foundation, providing support and assistance throughout your journey. The app’s intuitive interface makes your credit repair journey a genuinely pleasant experience, while rest assured knowing that your personal information is protected with the highest level of encryption and privacy standards provided by CoolCredit. Join the CoolCredit Community Connect: Engage with a community of users who share your financial goals. Support: Our dedicated team is here to ensure your journey with CoolCredit is successful. Updates: We continuously improve our app with new features and updates, driven by user feedback and the latest in financial technologies. Ready to transform your credit score and unlock your financial potential? Download CoolCredit now and take the first step towards a brighter financial future. Your journey to credit confidence starts here! Download CoolCredit Today! Subscriptions will be renewed within 24 hours before the end of each period at the rate of your selected plan. Turn off auto-renewal anytime through iTunes. Privacy Policy:-https://www.coolcredit.com/privacy-policy/ Terms and Conditions:- https://www.coolcredit.com/terms-and-conditions/

Screenshots

ScoreMaster®3 screens
CoolCredit4 screens

Verdict

The call

The clearest difference is review sentiment: CoolCredit at 71% against ScoreMaster®'s 0%. CoolCredit also leads on rating (4.5 vs 2.5) and ads (none vs shown). ScoreMaster®'s advantage is in-app purchases (none vs 3) and iOS requirement (13.0 vs 15.6). On price and device support 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. CoolCredit sells 3 in-app purchases, starting at $10.00 per month. ScoreMaster® asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

CoolCredit holds the better App Store score, 4.5 against 2.5. Both are backed by a comparable volume of ratings — 13 and 53 respectively. Written reviews point the same way: 0% of ScoreMaster®'s written reviews are positive against 71% of CoolCredit's.

UpkeepUpdate frequency

ScoreMaster® ships an update every 3 months, CoolCredit every 11 days. The most recent releases landed on June 7, 2026 and September 15, 2026 respectively.

Scorecard8 real differences · 2 level
ScoreMaster® versus CoolCredit: the parameters behind the verdict, then further details
ParameterScoreMaster®CoolCredit
PriceFreeFree
Rating2.5 (13 ratings)4.5 (53 ratings) — better
Positive reviews0.0% of reviews71.4% of reviews — better
Number of ratings1353 — better
Update frequencyEvery 3 monthsEvery 11 days — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size31 MB159 MB
Age rating4+4+
DeveloperConsumerDirect IncCool Credit LLC

Customer experience

ScoreMaster®

All ratings13 ratings
Positive30.8%
Neutral7.7%
Negative61.5%
Written reviews5 reviews
Positive0.0%
Neutral20.0%
Negative80.0%

CoolCredit

All ratings53 ratings
Positive92.5%
Neutral1.9%
Negative5.7%
Written reviews7 reviews
Positive71.4%
Neutral0.0%
Negative28.6%

In-app purchases

None

ScoreMaster®

No in-app purchases

3 purchases

CoolCredit

Subscriptions3
  • CoolCredit Pro$10.001 Month
  • CoolCredit Pro Monthly$12.001 Month
  • CoolCredit Pro Yearly$96.001 Year

Questions

Is ScoreMaster® free?
ScoreMaster® is free to download, with no in-app purchases.
Is CoolCredit free?
CoolCredit is free to download, with in-app purchases available.
Which has better reviews, ScoreMaster® or CoolCredit?
CoolCredit is rated higher. ScoreMaster® averages 2.5 out of 5 from 13 ratings, while CoolCredit averages 4.5 from 53 ratings.
Do ScoreMaster® or CoolCredit have ads?
ScoreMaster® shows ads; CoolCredit does not.
Which is updated more often, ScoreMaster® or CoolCredit?
ScoreMaster® ships an update every 3 months, and CoolCredit every 11 days. Most recently, ScoreMaster® was updated on June 7, 2026 and CoolCredit on September 15, 2026.

Other comparisons