Comparison

Credit.com vs ScoreMaster®

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

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.

Highlights
  • 24/7 Credit Monitoring
  • Credit Reporting Error Removal
  • Integrated Money Manager
  • Online Privacy Protection
  • Fraud Insurance
  • Credit Score Alerts
  • 3-Bureau Credit Report Comparison
Read full description

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

Credit.com4 screens
ScoreMaster®3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
Credit.com versus ScoreMaster®: the parameters behind the verdict, then further details
ParameterCredit.comScoreMaster®
PriceFreeFree
Rating4.7 (7.2K ratings) — better2.5 (13 ratings)
Positive reviews33.0% of reviews — better0.0% of reviews
Number of ratings7.2K — better13
Update frequencyEvery 2 months — betterEvery 3 months
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS1313.0
Further details — not scored
Size12 MB31 MB
Age rating4+4+
DeveloperCredit.comConsumerDirect Inc

Customer experience

Credit.com

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

ScoreMaster®

All ratings13 ratings
Positive30.8%
Neutral7.7%
Negative61.5%
Written reviews5 reviews
Positive0.0%
Neutral20.0%
Negative80.0%

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

None

Credit.com

No in-app purchases

None

ScoreMaster®

No in-app purchases

Questions

Is Credit.com free?
Credit.com is free to download, with no in-app purchases.
Is ScoreMaster® free?
ScoreMaster® is free to download, with no in-app purchases.
Which has better reviews, Credit.com or ScoreMaster®?
Credit.com is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while ScoreMaster® averages 2.5 from 13 ratings.
Do Credit.com or ScoreMaster® have ads?
Both Credit.com and ScoreMaster® show ads.
Which is updated more often, Credit.com or ScoreMaster®?
Credit.com ships an update every 2 months, and ScoreMaster® every 3 months. Most recently, Credit.com was updated on September 22, 2026 and ScoreMaster® on June 7, 2026.

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