# ScoreMaster® vs CoolCredit

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.

Both are free to download. CoolCredit sells 3 in-app purchases, starting at $10.00 per month. ScoreMaster® asks for nothing beyond the download.

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.

ScoreMaster® ships an update every 3 months, CoolCredit every 11 days. The most recent releases landed on September 30, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | ScoreMaster® | CoolCredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (13 ratings)](https://appshunter.io/ios/app/scoremaster/id1587923347/reviews) | **[4.5 (53 ratings)](https://appshunter.io/ios/app/coolcredit/id6450412664/reviews)** |
| Number of ratings | 13 | **53** |
| Positive reviews | 0.0% of reviews | **71.4% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 11 days** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 31 MB | 167 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Cool Credit LLC](https://appshunter.io/developer/1693193731) |

## What reviewers say

### ScoreMaster®

[App page](https://appshunter.io/ios/app/scoremaster/id1587923347)

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

**In-app purchases:** none


### 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 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 September 30, 2026 and CoolCredit on October 2, 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.*