Credit.com vs ScoreMaster®
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
ScoreMaster®
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.
- 24/7 Credit Monitoring
- Credit Reporting Error Removal
- Integrated Money Manager
- Online Privacy Protection
- Fraud Insurance
- Credit Score Alerts
- 3-Bureau Credit Report Comparison
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Ready to take ownership of your credit, identity, money, and online privacy? ScoreMaster® is the place for you. Need credit score points fast? Our average user adds 61 points in their first 20 days! We even have a personalized plan to help you achieve your best score. And that means qualifying for lower-rate mortgage loans, car loans, credit cards – everything you want out of life – saving you thousands in interest. We also help you maintain your credit score, take your online privacy back, and more with our complete list of mobile-first features (see below). Features 24/7 Credit Monitoring: Catch mistakes or fraudulent activity on your credit reports. Action Buttons: Remove credit reporting errors, remove identity theft, and ask questions directly with your creditors. Money Manager: Handle all your online banking, credit cards, and investments in one place. PrivacyMaster®: Remove your private information from third-party websites and stop them from selling it (at the push of a button). $1 Million Fraud Insurance: Full coverage for your whole family, including pre-existing issues. Alerts: Receive alerts for suspicious activity, payments due, and credit monitoring events. 3B Report & Scores: A side-by-side comparison of how your credit report looks across the three major credit bureaus. Many providers can help you with one or two of these areas, but ScoreMaster® is the first to combine it all in one platform. Get started now!
Screenshots
Verdict
The clearest difference is rating: Credit.com at 4.7 against ScoreMaster®'s 2.5. Credit.com also leads on review sentiment (33% vs 0%) and ratings volume (7.2K vs 13). ScoreMaster®'s advantage is monetization model (ad-supported vs free with in-app purchases). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Credit.com holds the better App Store score, 4.7 against 2.5. That said, the two scores are not equally well evidenced: Credit.com has 7.2K ratings behind it against 13, 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 0% of ScoreMaster®'s.
Credit.com ships an update every 2 months, ScoreMaster® every 3 months. The most recent releases landed on September 22, 2026 and June 7, 2026 respectively.
| Parameter | Credit.com | ScoreMaster® |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (7.2K ratings) — better | 2.5 (13 ratings) |
| Positive reviews | 33.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 7.2K — better | 13 |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13 | 13.0 |
| Further details — not scored | ||
| Size | 12 MB | 31 MB |
| Age rating | 4+ | 4+ |
| Developer | Credit.com | ConsumerDirect Inc |
Customer experience
Credit.com
ScoreMaster®
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
ScoreMaster®
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Credit.com
No in-app purchases
ScoreMaster®
No in-app purchases









