# myEquifax vs Substrack

The clearest difference is price: myEquifax at Free against Substrack's $0.99. myEquifax also leads on ratings volume (50K vs 2) and chart position (#68 vs unranked). Substrack's advantage is update cadence (daily vs every 3 weeks) and rating (5.0 vs 4.8). On ads, in-app purchases, device support and iOS requirement there is nothing between them.

myEquifax is free to download; Substrack costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Substrack holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: myEquifax has 50K ratings behind it against 2, so its average is the more settled of the two.

myEquifax ships an update every 3 weeks, Substrack daily. The most recent releases landed on October 17, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | myEquifax | Substrack |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Rating | [4.8 (50K ratings)](https://appshunter.io/ios/app/myequifax/id6502468755/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/substrack-sub-tracker/id6758184745/reviews)** |
| Number of ratings | **50K** | 2 |
| Positive reviews | 47.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Daily** |
| Monetization | **Free with in-app purchases** | Paid |
| Best chart rank | **#68** | — |
| Size | 147 MB | 27 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Equifax](https://appshunter.io/developer/347634123) | [Orbit Space Studio LLC](https://appshunter.io/developer/1799808126) |

## What reviewers say

### myEquifax

[App page](https://appshunter.io/ios/app/myequifax/id6502468755)

**Currently charting:** #68 Top Free · Finance (US App Store)

Access your Equifax credit report and score updates monthly at no cost. Track your progress, set goals, and receive personalized AI-driven insights to improve your credit. Optional paid plans offer enhanced credit monitoring and identity protection.

**Highlights:** Monthly Equifax credit report updates, Free credit score tracking, AI-powered credit improvement plan, Score goal setting, Dark WebScan for identity protection, Credit monitoring alerts

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient credit monitoring
- 🚀 Easy to use app layout
- 🔒 Secure login experience

**What reviewers complain about**

- 🐛 Login issues and inability to create an account
- 🔍 Difficulty finding credit freeze/unfreeze functionality
- 🚫 Limited app functionality compared to website

**Reported bugs**

- Login button not working
- Greyed out login button

**Requested features**

- Credit freeze/unfreeze functionality within the app
- Dispute filing capability


### Substrack

[App page](https://appshunter.io/ios/app/substrack-sub-tracker/id6758184745)

Effortlessly track all your recurring subscriptions in one place. Understand your monthly and yearly spending by category and identify areas to save money. This app offers a clean interface and strong privacy features, working offline without requiring an account.

**Highlights:** Easy subscription tracking, Automatic cost calculation, Spending by category, Minimalist UI, Offline functionality, Fort Knox privacy

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is myEquifax free?

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

### Is Substrack free?

Substrack costs $0.99, with no in-app purchases.

### Which has better reviews, myEquifax or Substrack?

Substrack is rated higher. myEquifax averages 4.8 out of 5 from 50K ratings, while Substrack averages 5.0 from 2 ratings.

### Do myEquifax or Substrack have ads?

Neither myEquifax nor Substrack shows ads.

### Which is updated more often, myEquifax or Substrack?

myEquifax ships an update every 3 weeks, and Substrack daily. Most recently, myEquifax was updated on October 17, 2026 and Substrack on October 10, 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.*