Best Build Credit Score Apps

4.8😊(340K ratings)

Free

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Build credit and grow savings with a secured credit card or credit builder account. This tool helps establish better financial habits and offers a path to credit with no initial credit check. Report rent, utility, and cell phone payments to credit bureaus.

What We Love

🚀 Helped build credit quickly
👍 Easy to use and understand
💰 Saves money while building credit
🆙 Boosted credit scores significantly
🤝 Responsive and helpful customer service

Room to Improve

🐛 Inconsistent autopay issues
⚠️ Unexpected account closures
💸 Fees and interest charges
🕰️ Slow payout process after loan completion
🤔 Misleading or unclear policies

Ava: Build Credit Fast by Ava Finance, Inc.

Save Money with Lower Interest

Strong Contender

4.9😐(51K ratings)

Free

Build a stronger financial future by establishing positive credit history. This tool offers an easy and effective way to improve your credit score over time, with quick results and transparent pricing. Start your credit journey in under five minutes.

What We Love

💳 Helps build credit
🆙 Increases credit score
🔍 Transparent about process
💰 Affordable monthly cost
🧭 Easy to use app
🗓️ Reports to credit bureaus
🧠 Innovative credit building concept

Room to Improve

🔒 Strict identity verification
🔀 Inconsistent bank account linking
🤖 Poor customer service
💸 Misleading pricing information
💳 Limited credit usage
🔍 Lack of transparency on credit limit usage

Credit Sesame: Grow Your Score by Credit Sesame, Inc.

Manage, Track & Build Credit

Worth Considering

Save, Spend & Grow Your Credit

4.8😐(436K ratings)

FreeIn-App Purchases

#45in Finance

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This app helps you manage and improve your credit score and overall financial health. It provides tools to track your credit, understand its impact, and find personalized offers for financial products. It aims to empower users to make smarter financial decisions and achieve their credit goals.

What We Love

💳 Helpful for managing credit and financial health
📊 Provides detailed credit report updates
💡 Offers personalized tips for improving credit score
🔒 Provides identity theft protection and monitoring
💸 Offers free credit score check
🚀 Helped increase credit score significantly

Room to Improve

💤 Slow credit score updates
📧 Frequent and excessive email notifications
🤑 Pushes credit card applications aggressively
🤔 Inaccurate credit score reporting compared to other sources
🔐 Potential data breach and unauthorized transactions
💰 New fees for low-activity accounts

More Build Credit Score apps to explore

Intuit Credit Karma

Financial summary and credit score trackingPersonalized credit card and loan recommendationsInsurance offer comparison

Manage your finances, track spending, and get personalized credit offers. Access banking services, simplify tax preparation, and build credit history with bills you already pay. Offers identity protection and bill negotiation for subscribers.

Kikoff: Build Credit Quickly

(7.8M)

freemium

Grow & Monitor Your Credit

Build credit historyMonitor credit scoreReport rent and bills

This app helps you build and monitor your credit score quickly and affordably. It reports to all three major credit bureaus, allowing you to improve your credit history with regular payments. You can also track your score and dispute errors directly within the app.

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Neu Money: Build Your Credit

Build Credit, No Credit Needed

Credit builder card for new U.S. credit usersOption for 0% APR or no annual feeFast application and quick decision

This app offers a credit-building card designed for individuals new to U.S. credit, including students and immigrants. It provides options for 0% APR or no annual fee, with a simple application process and transparent terms. Build your credit history with on-time payments and enjoy benefits like cash back rewards.

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Credit Score Tracker & Builder

Check & Grow your Score

Credit Score AssessmentRetake Assessment AnytimeCredit Score Simulation

Understand, track, and improve your credit score with this educational tool. It offers simulations and visual insights to help you learn about credit factors and build better financial habits.

(2)

Your credit score, simplified

Capital One CreditWise

Free FICO Score 8 accessTransUnion credit reportDark web alerts

Monitor your credit score and report for free. Get insights into factors affecting your score, receive alerts for suspicious activity, and simulate financial decisions to understand their impact.

ScoreCare:Credit Score Check

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Credit score & Insights

Becca's: Smart Credit Builder

(0)

Score Tracking & Monitoring

Automated credit bureau reportingAI-powered credit guideCredit score and report monitoring

Build your credit history easily, even with no prior credit. This app automates payment reporting to major bureaus and offers an AI guide for credit questions. Track your progress and manage your financial future with simple, affordable monthly payments.

(63)

Seen Mobile - Build Credit

Spend, Track & Build Credit

Manage Seen Mastercard accountTrack balance and transactionsSchedule and manage payments

Manage your credit card, track spending, and build your credit history. This app offers features like digital card access, autopay, and card locking for enhanced financial control and security. It reports payment history to major credit bureaus to help users improve their credit score.

(35K)

Arcane: Build Credit. Quick.

Grow & Track Your Credit Score

Report rent and bill paymentsBuild credit historyFree credit score access

This app helps you build credit by reporting your on-time rent and bill payments to credit bureaus. It offers a free credit score and monitoring, with optional paid features to accelerate progress by adding past payment history.

(3)

freemium

Build: Credit Building

by PRG Ventures, Inc.

Build credit historyReport to Equifax & TransUnionBuild accumulated savings

Build your credit history and financial health with a credit builder account. Make payments to build savings and report your history to major credit bureaus. No hard credit pull or prior credit needed to start improving your financial future.

Credit Score and Grades

Free credit score and report summaryTrack credit score changesPersonalized insights for financial improvement

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 with in-app purchases

(7.2K)

Ryezing

by Ryezing

Review credit reportsIdentify inaccuraciesDispute credit items

This app helps you understand and improve your credit score. You can review your credit report, dispute inaccuracies, and access tools to build stronger credit over time. It aims to make credit improvement simple and accessible.

(5)

Boom - Build credit with rent.

Build & track your credit.

Report rent payments to credit bureausBuild credit historyTrack credit score progress

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.

free with in-app purchases

(1.3K)

Credit Rating and Credit Check

Prefect your credit rating

Credit score components explainedUnderstanding credit historyHow to get credit reports

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.

(1)

Understand & Improve Credit

Credit Score Education

myFICO - Credit Score Tracking

(0)

Monitor & Report Credit Scores