Best Build Credit Score Apps

4.9😊(337K ratings)

Free

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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.

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

Kikoff: Build Credit Quickly by Kikoff Inc.

Grow & Monitor Your Credit

Strong Contender

4.9😊(279K ratings)

Free

#49in Finance

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Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

What We Love

🚀 Credit score boost
💳 Affordable credit building
👍 Easy to use
📈 Positive payment history
🆙 Improved credit utilization

Room to Improve

🐛 Billing and account issues
🔒 Lack of customer support
⚠️ Negative impact on credit score
💰 Misleading about loan/credit offerings

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

#52in 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

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Manage credit card accountTrack spending and transactionsBuild credit history

Manage your credit card account, track spending, and build your credit history. This app helps you establish or repair credit by reporting your payment activity to major credit bureaus. Take control of your finances with features like digital card access, autopay, and card locking.

(Re)build your credit!

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Credit score trackingAutomatic bureau reportingAI credit guide

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(24)

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Build credit historyReported to major credit bureausCredit builder account

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(15)

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Monitor & Report Credit Scores

View FICO ScoresCompare credit reportsMonitor credit changes

Access and monitor your FICO Scores and credit reports from all three major bureaus. Understand how your credit history impacts your scores and explore potential changes with a simulator. Receive alerts for detected changes and access educational content to improve your credit.

(52K)

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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.