# Credit.com vs Experian®

The clearest difference is in-app purchases: Credit.com at none against Experian®'s 6. Credit.com also leads on iOS requirement (13 vs 17.0). Experian®'s advantage is ads (none vs shown) and review sentiment (61% vs 33%). On price, rating, monetization model and device support there is nothing between them.

Both are free to download. Experian® sells 6 in-app purchases, starting at $4.99 per month. Credit.com asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.7 for Credit.com against 4.8 for Experian®. That said, the two scores are not equally well evidenced: Experian® has 2.7M ratings behind it against 7.2K, so its average is the more settled of the two. Written reviews are what separate them: 33% of Credit.com's written reviews are positive against 61% of Experian®'s.

Credit.com ships an update every 2 months, Experian® weekly. The most recent releases landed on September 22, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | Credit.com | Experian® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.2K ratings)](https://appshunter.io/ios/app/creditcom/id871022793/reviews) | **[4.8 (2.7M ratings)](https://appshunter.io/ios/app/experian/id1087101090/reviews)** |
| Number of ratings | 7.2K | **2.7M** |
| Positive reviews | 33.0% of reviews | **61.2% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | — | **#32** |
| Size | 12 MB | 234 MB |
| Requires iOS | **13** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Credit.com](https://appshunter.io/developer/871022796) | [Experian](https://appshunter.io/developer/1087101089) |

## What reviewers say

### Credit.com

[App page](https://appshunter.io/ios/app/creditcom/id871022793)

Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.

**Highlights:** Free credit score and report summary, Track credit score changes, Personalized insights for financial improvement, Monitor for fraud and identity theft, View credit offer eligibility, Score history tracking

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Accurate and up-to-date information
- 👍 Easy to use and navigate
- 💡 Provides mortgage scores

**What reviewers complain about**

- 🐛 Login issues and app crashes
- 🔍 Limited credit report details
- 💸 Subscription required for full features

**Reported bugs**

- Unable to login or create an account
- App freezes or stops working after updates
- Inconsistent credit score updates

**Requested features**

- Fingerprint/biometric login
- More detailed credit report information
- Ability to dispute inaccuracies directly in the app


### Experian®

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

**Currently charting:** #32 Top Free · Finance, #38 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


## Frequently asked questions

### Is Credit.com free?

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

### Is Experian® free?

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

### Which has better reviews, Credit.com or Experian®?

Experian® is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while Experian® averages 4.8 from 2.7M ratings.

### Do Credit.com or Experian® have ads?

Credit.com shows ads; Experian® does not.

### Which is updated more often, Credit.com or Experian®?

Credit.com ships an update every 2 months, and Experian® weekly. Most recently, Credit.com was updated on September 22, 2026 and Experian® on September 28, 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.*