# CoolCredit vs MCG DIY

The clearest difference is update cadence: CoolCredit at every 11 days against MCG DIY's every 6 weeks. MCG DIY's advantage is iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases 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 and MCG DIY sells 1 in-app purchase, starting at $29.99 per month. Whichever you choose, the download price is not the number that matters.

CoolCredit ships an update every 11 days, MCG DIY every 6 weeks. The most recent releases landed on November 7, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | CoolCredit | MCG DIY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (53 ratings)](https://appshunter.io/ios/app/coolcredit/id6450412664/reviews)** | — |
| Number of ratings | **53** | — |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 11 days** | Every 6 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 174 MB | 53 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Cool Credit LLC](https://appshunter.io/developer/1693193731) | [My Credit Guy, Inc](https://appshunter.io/developer/1714942800) |

## What reviewers say

### CoolCredit

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

This app helps users improve and manage their credit health. It offers personalized credit score boosting, repair for negative issues, real-time monitoring, and expert guidance to empower users financially.

**Highlights:** Credit score boosting, Credit report repair, Real-time credit monitoring, Expert credit guidance, Educational courses, Community engagement

**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 |


### MCG DIY

[App page](https://appshunter.io/ios/app/mcg-diy/id6471234823)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $29.99 | per month |


## Frequently asked questions

### Is CoolCredit free?

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

### Is MCG DIY free?

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

### Do CoolCredit or MCG DIY have ads?

Neither CoolCredit nor MCG DIY shows ads.

### Which is updated more often, CoolCredit or MCG DIY?

CoolCredit ships an update every 11 days, and MCG DIY every 6 weeks. Most recently, CoolCredit was updated on November 7, 2026 and MCG DIY on October 27, 2026.

---

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