# Credit.com vs ScoreMaster®

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.

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.

## The numbers

| Metric | Credit.com | ScoreMaster® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.2K ratings)](https://appshunter.io/ios/app/creditcom/id871022793/reviews)** | [2.5 (13 ratings)](https://appshunter.io/ios/app/scoremaster/id1587923347/reviews) |
| Number of ratings | **7.2K** | 13 |
| Positive reviews | **33.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 12 MB | 31 MB |
| Requires iOS | 13 | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Credit.com](https://appshunter.io/developer/871022796) | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) |

## 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


### ScoreMaster®

[App page](https://appshunter.io/ios/app/scoremaster/id1587923347)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*