Comparison

Credit.com vs Zenfi

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

Head to head
About

Credit.com

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
Read full description

Discover the brand-new Credit.com app—now with a completely redesigned interface to make managing your credit simpler, smarter, and more secure. Check your credit score and report summary for free, track what’s impacting your credit, and get personalized insights to help you build a stronger financial future. Updates every 14 days let you see how your score changes over time, while our tools and resources give you actionable steps to improve. Best of all, using the Credit.com app won’t hurt your score, and your data is protected at every step by industry-leading security. TRACK YOUR SCORES • Get your free credit score and credit report snapshot • Monitor updates every 14 days to stay on top of changes • Spot potential fraud or identity theft early • Watch your score history to see your progress GET PERSONALIZED OFFERS • See which credit cards, loans, or other products you’re more likely to qualify for • Compare offers matched to your unique credit standing—before you apply With a refreshed design, intuitive navigation, and trusted tools, the Credit.com app makes it easier than ever to take control of your credit.

About

Zenfi

Understand your credit report and score for free. Access your SAT fiscal information, monitor transactions, and receive personalized tips to improve your financial health. Take control of your money with this comprehensive financial tool.

Highlights
  • Free credit report consultation
  • Understand and improve credit score
  • Access SAT fiscal information
  • Monitor income and expenses
  • Personalized financial tips
  • Identity theft alerts
Features
Read full description

Zenfi es una aplicación gratuita que te permite consultar y comprender tu reporte de Buró de Crédito, score de crédito y tu información del SAT. • Consulta y comprende tu reporte de buró gratis Zenfi te ayuda a interpretar la información de tu reporte de Buró de Crédito. Descubre qué tan puntual eres y has sido con tus pagos, qué porcentaje de tus créditos utilizas, los años de experiencia que tienes manejando créditos, cuántas cuentas o créditos tienes activos, cuántas consultas tienes en buró en los últimos 12 meses y cuántas alertas de robo de identidad hemos detectado. • Conoce y mejora tu score de crédito Con Zenfi es posible consultar tu score de crédito sin dañarlo y sin costo alguno. Además, con base en tu información reportada en buró, te revelamos puntualmente qué estás haciendo bien y qué debes mejorar. Recibe tips personalizados que te ayudarán a mejorar tu calificación de manera progresiva y entérate de cuáles son las variables que tienen un impacto más importante en tu score crediticio. • Accede a tu información fiscal más fácil y desde tu celular Zenfi te ayuda a conocer y comprender tu información fiscal del SAT. Consulta tu régimen y obligaciones fiscales, así como tus datos de facturación. Descarga fácilmente tu Constancia de Situación Fiscal y Opinión de Cumplimiento. Monitorea tus facturas, tanto enviadas como recibidas, y configura notificaciones para facilitar su seguimiento. • Monitorea y controlar tus transacciones Zenfi te ayudará a llevar el control de todos tus ingresos e egresos. Podrían identificar cuánto gasta por mes y por categoría para que lleves un mejor control de tus finanzas. • ¿Qué es Zenfi? Zenfi es la primera aplicación de salud financiera en México. Nuestro objetivo es ayudar a las personas a mejorar su relación con el dinero proporcionándoles herramientas que les permitan comprender, diagnosticar y mejorar su situación financiera. • ¿Zenfi es seguro? Sabemos que tu información es muy importante, por eso nos aseguramos de proteger tus datos mediante conexiones SSL de 128-bits o superior. Asimismo, tu información se encuentra protegida conforme a lo establecido en nuestro aviso de privacidad, por lo que nunca compartimos ningún dato a terceros sin tu autorización. Política de Privacidad: https://www.zenfi.mx/privacy-policy Términos y condiciones: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Credit.com4 screens
Zenfi4 screens

Verdict

The call

The clearest difference is review sentiment: Zenfi at 75% against Credit.com's 33%. Zenfi also leads on ads (none vs shown) and update cadence (every 2 weeks vs every 2 months). Credit.com's advantage is in-app purchases (none vs 8) and ratings volume (7.2K vs 633). On price and monetization model 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. Zenfi sells 8 in-app purchases, starting at $1.99 per month. Credit.com asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Zenfi holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Credit.com has 7.2K ratings behind it against 633, so its average is the more settled of the two. Written reviews point the same way: 33% of Credit.com's written reviews are positive against 75% of Zenfi's.

UpkeepUpdate frequency

Credit.com ships an update every 2 months, Zenfi every 2 weeks. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

Scorecard8 real differences · 2 level
Credit.com versus Zenfi: the parameters behind the verdict, then further details
ParameterCredit.comZenfi
PriceFreeFree
Rating4.7 (7.2K ratings)4.9 (633 ratings) — better
Positive reviews33.0% of reviews75.0% of reviews — better
Number of ratings7.2K — better633
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13 — better16.4
Further details — not scored
Size12 MB85 MB
Age rating4+12+
DeveloperCredit.comZenfi Tecnologias, S.A.P.I. de C.V.

Customer experience

Credit.com

All ratings7,239 ratings
Positive93.0%
Neutral2.8%
Negative4.2%
Written reviews100 reviews
Positive33.0%
Neutral10.0%
Negative57.0%

Zenfi

All ratings633 ratings
Positive97.9%
Neutral0.6%
Negative1.4%
Written reviews8 reviews
Positive75.0%
Neutral12.5%
Negative12.5%

Bugs and requests

Credit.com

Reported bugs

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

Requested features

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

Zenfi

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Credit.com

No in-app purchases

8 purchases

Zenfi

Subscriptions6
  • SAT Plus$1.991 Month
  • SAT Plus$3.991 Month
  • Buró Plus$4.991 Month
Show 3 more
  • SAT Plus$19.991 Year
  • SAT Plus$39.991 Year
  • Buró Plus$49.991 Year
One-time2
  • Reporte de Buró$1.99
  • Reporte de Buró$2.99

Questions

Is Credit.com free?
Credit.com is free to download, with no in-app purchases.
Is Zenfi free?
Zenfi is free to download, with in-app purchases available.
Which has better reviews, Credit.com or Zenfi?
Zenfi is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while Zenfi averages 4.9 from 633 ratings.
Do Credit.com or Zenfi have ads?
Credit.com shows ads; Zenfi does not.
Which is updated more often, Credit.com or Zenfi?
Credit.com ships an update every 2 months, and Zenfi every 2 weeks. Most recently, Credit.com was updated on September 22, 2026 and Zenfi on September 23, 2026.

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