Best 700 Credit Apps

167+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated August 2026

Whether you're new to 700 credit or looking for an upgrade, our curated collection of 167+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top 700 Credit Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1700Credit700CreditFree3.3★ (8)NoNoMay 2026
2Capital One CreditWiseCapital One CreditWiseFree4.8★ (309K)YesNoAug 2026
3Lexington Law - Credit RepairLexington Law - Credit RepairFree4.8★ (109K)YesNoAug 2026
4Self - Credit Builder & CardsSelf - Credit Builder & CardsFree4.9★ (327K)NoNoAug 2026
5myEquifaxmyEquifaxFree4.8★ (41K)NoNoAug 2026
6Grow CreditGrow CreditFree4.8★ (10K)NoNoAug 2026
7Atlas - Rewards Credit CardAtlas - Rewards Credit CardFree4.7★ (263K)NoNoAug 2026
8Dave: Credit, Cash & Money AppDave: Credit, Cash & Money AppFree4.8★ (882K)NoNoAug 2026

Top Picks for 700 Credit

700Credit#1

700Credit by ODE

Editor's Choice
💰 Finance
3.3(8 ratings)
Free
700Credit screenshot 1
700Credit screenshot 2
700Credit screenshot 3

This app provides car dealerships with instant access to customer credit information and leads submitted through their website. It allows for quick responses to potential buyers, speeding up the sales process and facilitating more closed deals.

Capital One CreditWise#2

Capital One CreditWise by Capital One

Your credit score, simplified
Strong Contender
💰 Finance
4.8😐(309K ratings)
FreeAds
Capital One CreditWise screenshot 1
Capital One CreditWise screenshot 2
Capital One CreditWise screenshot 3
Capital One CreditWise screenshot 4
Capital One CreditWise screenshot 5
Capital One CreditWise screenshot 6

Monitor your credit score and report for free. Get alerts for suspicious activity, understand factors affecting your score, and simulate financial decisions to see their potential impact. Tools are provided to help you manage and improve your credit health.

What We Love

  • 👍 Helpful for credit monitoring
  • 🚀 Comprehensive features
  • 💡 Useful credit simulator
  • 🔒 Secure app

Room to Improve

  • 🐛 Inaccurate credit score reporting
  • 🐛 Delayed credit updates
  • 🐛 Inconsistent credit score information
Lexington Law - Credit Repair#3

Lexington Law - Credit Repair by Progrexion, IP

Credit Repair, Score & Reports
Worth Considering
💰 Finance
4.8😐(109K ratings)
FreeAds
Lexington Law - Credit Repair screenshot 1
Lexington Law - Credit Repair screenshot 2
Lexington Law - Credit Repair screenshot 3
Lexington Law - Credit Repair screenshot 4
Lexington Law - Credit Repair screenshot 5

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

What We Love

  • 🚀 Removed negative items
  • 🚀 Improved credit scores
  • 👍 Helpful and professional staff
  • 👍 Comprehensive credit repair services

Room to Improve

  • 🐛 Slow progress or no results
  • 💰 Expensive monthly fees
  • 🔒 Difficult to cancel or get refunds

More 700 Credit apps to explore

4
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Build credit for a credit card
Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
💰 Finance
(327K)
free with in-app purchases
5
myEquifax
myEquifax
myEquifax
Start your credit journey
Free

Access your Equifax credit report and score updates monthly at no cost. Track your progress, set goals, and receive personalized AI-driven insights to improve your credit. Optional paid plans offer enhanced credit monitoring and identity protection.

Monthly Equifax credit report updatesFree credit score trackingAI-powered credit improvement plan
💰 Finance
(41K)
free with in-app purchases
6
Grow Credit
Grow Credit
Grow Credit
Pay Phone Bills & Build Credit
Free

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus
💰 Finance
(10K)
free with in-app purchases
7
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Earn cash back. Build credit.
Free

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

High approval ratesBuild credit historyAutomatic savings up to 10%
💰 Finance
(263K)
free with in-app purchases
8
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Get Paid Early, No Hidden Fees
Free

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early
💰 Finance
(882K)
freemium
9
Credit Tracking
Credit Tracking
Credit Tracking
Customer Monitoring Hub
Free

Monitor your credit restoration progress, including credit score changes, disputed items, and deletions. Easily submit essential documents and messages to manage your credit journey.

Monitor credit score progressTrack disputed itemsView item deletions
💼 Business
(75)
free
10
Dispute Beast: DIY Credit + AI
Dispute Beast: DIY Credit + AI
Dispute Beast: DIY Credit + AI
AI-Powered Credit Repair App
Free

This AI-powered finance app empowers users to take control of their credit repair journey. It identifies negative items on credit reports, generates dispute letters, and facilitates mailing them to credit bureaus. Get personalized guidance and track your progress towards a better financial future.

AI-powered credit report analysisAutomated dispute letter generationIn-app mailing service
💰 Finance
(31)
ad-supported
11
Credit Rating and Credit Check
Credit Rating and Credit Check
Credit Rating and Credit Check
Prefect your credit rating
Free

Learn how to understand and improve your credit score. This app explains credit score components, credit history's influence, and how to obtain and interpret credit reports. Discover tools to repair and fix your credit.

Credit score components explainedUnderstanding credit historyHow to get credit reports
💰 Finance
(1)
free
12
Arcane: Build Credit. Quick.
Arcane: Build Credit. Quick.
Arcane: Build Credit. Quick.
Grow & Track Your Credit Score
Free

Build your credit score by reporting rent and bill payments. Securely link your bank account to automatically detect eligible expenses. Accelerate progress with past payment history reporting for a one-time fee.

Report rent and bill paymentsNo credit check requiredSecure bank account linking
💰 Finance
(4)
free with in-app purchases
13
Ava: Build Credit Fast
Ava: Build Credit Fast
Ava: Build Credit Fast
Save Money with Lower Interest
Free

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

Build positive credit historyCredit builder card for subscriptions and billsSave & Build Credit Account for savings and credit line
💰 Finance
(50K)
subscription
14
Boom - Build credit with rent.
Boom - Build credit with rent.
Boom - Build credit with rent.
Build & track your credit.
Free

This app helps renters build and track their credit history by reporting rent payments to all three major credit bureaus. Users can report ongoing and past rent payments, and monitor their credit score progress within the app. It offers a quick enrollment process and prioritizes data security.

Report rent payments to credit bureausBuild credit historyTrack credit score progress
💰 Finance
(1.2K)
free with in-app purchases
15
Zoom Credit
Zoom Credit
Zoom Credit
Creditele tale, sub control
Free
💼 Business
(0)
16
Credit Armor
Credit Armor
Credit Armor
Arm Your Score
Free
📊 Productivity
(0)
17
Premium Credit - eJourney
Premium Credit - eJourney
Premium Credit - eJourney
by Premium Credit Limited
Free

Upload identity documents and review loan details to support your loan application. Securely verify personal information, eSign terms, and submit required photos for processing. This app is for Irish residents who have already applied for a loan.

Secure login and personal detail confirmationReview loan detailsReview and eSign loan terms
💰 Finance
(1)
free
18
Ohere Credit
Ohere Credit
Ohere Credit
Build credit with your card
Free

Access fairer credit, build a credit score, and manage repayments with greater control. Apply for credit, get approved for a card with a starting limit, and spend now to repay later. Extend due dates for a fee and track your credit score to grow your limit.

Apply for creditCredit assessmentAccess Ohere card
💰 Finance
(3)
free
19
TransUnion®
TransUnion®
TransUnion®
Your scores, reports & offers
Free

Access your free credit scores and reports, monitor your credit for changes, and receive personalized offers based on your credit profile. Understand your credit health and plan for your financial future with daily refreshes and alerts.

Free credit scoresFree credit reportsFree credit monitoring
💰 Finance
(39K)
freemium
20
Sibb Credit
Sibb Credit
Sibb Credit
Family scores, kept private
Free
💰 Finance
(0)

FAQ about 700 Credit

What are the best 700 credit apps for iPhone?
700Credit tops our 700 credit apps ranking as of August 2026, with a 3.3-star average from 8 App Store ratings, and it's free to download.
Yes — 20 of the top 700 credit apps we rank are free to download, including 700Credit and Capital One CreditWise.
700Credit has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 167+ 700 credit apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
700Credit is a mobile application designed for car dealerships. It provides instant visibility into a customer's FICO score and credit profile, and allows dealers to receive and respond to leads submitted from their website.
The 700Credit app is compatible with iPhone, iPad, and iPod devices, as indicated by its availability on Apple's platforms.