Best Credit Fixer Apps

4.9😊(281K ratings)

Free

#57in Finance

Kikoff: Build Credit Quickly screenshot 1

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This app helps users build and monitor their credit score quickly and affordably. It reports to all three major credit bureaus and offers features like rent and bill reporting. Plans start 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

Self - Credit Builder & Cards by Self Lender, Inc.

Secured Card & Score Tracker

Strong Contender

4.8😊(339K 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

Lexington Law - Credit Repair by Progrexion, IP

Credit Repair, Score & Reports

Worth Considering

Kovo - Fast Credit Builder

4.8😐(113K ratings)

FreeAds

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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
🤖 Automated/impersonal service

More Credit Fixer apps to explore

Grow Your Score & Earn Rewards

No credit check requiredReported to all 4 credit bureausEarn cash rewards

Build your credit score effortlessly with this finance app. It offers a credit builder program with no credit checks or hidden fees, reporting to all four major bureaus. Users can also earn cash rewards and access credit protection services.

Build Credit & Money: Dovly AI

(14K)

free

Fast fix: credit score boost

AI-powered credit disputesTransUnion credit score and reportCredit building products

This AI-powered app helps you build and fix your credit score, find hidden money, and plan your financial future. It offers AI-driven credit disputes, score tracking, and tools to identify forgotten subscriptions and fees. Achieve your financial goals faster with consolidated credit and money management.

(87K)

by Creditrepair.com, Inc.

CreditRepair

Updated user interfaceBiometric loginCustomized dashboard

Monitor your credit repair journey with a suite of tools designed to help you understand and improve your credit score. Track progress, view removed items, and manage creditor interventions directly from your mobile device.

Save Money with Lower Interest

(12K)

ad-supported

Ava: Build Credit Fast

Build positive credit historyCredit score improvementCredit builder card

Build a stronger financial future by establishing positive credit history. This app offers an easy and transparent way to improve your credit score, with features like a credit builder card and a savings account designed to help you achieve financial goals.

Your credit score, simplified

(51K)

free

Capital One CreditWise

Free FICO® Score 8 accessTransUnion® credit report accessDark web alerts for identity theft

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.

Start your credit journey

Monthly Equifax credit report updatesFree credit score trackingAI-powered credit improvement plan

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.

(53K)

Dispute Beast: DIY Credit + AI

AI-Powered Credit Repair App

AI-powered credit dispute letter generationDirect in-app mailing of dispute letters3-bureau credit report pulling

This finance app empowers users to repair their credit by identifying negative items, generating dispute letters, and mailing them directly to credit bureaus. It offers AI-powered guidance, credit report analysis, and educational resources to help users improve their scores.

Your scores, reports & offers

Free credit scoresFree credit reportsFree credit monitoring

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.

Seen Mobile - Build Credit

(39K)

freemium

Spend, Track & Build Credit

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.

Bright: Loans & Credit Builder

(35K)

free

AI Loan Asst > Credit & Loans

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

by Liberty Financial Solutions LLC

(286K)

subscription

Credit Repair Junkies

Sales pipeline trackingLead and customer managementInvoice creation

Streamline your credit repair business operations. Manage leads, customers, and sales pipelines efficiently. Communicate with contacts and generate invoices all from one intuitive platform.

This app helps individuals improve their credit scores by identifying and disputing negative items on their credit reports. It offers personalized dispute strategies, aggressive challenges to all three credit bureaus, and tools to track progress and manage your account securely.

Personalized dispute planAggressive 3-bureau challengesCredit report analysis

Credit repair on the go

by Elan Financial Services

Secure login with username/password, fingerprint, or Face IDView account balance, transactions, and available creditMake one-time payments and set up AutoPay

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

Manage your debt relief plan efficiently with instant notifications for settlement offers. Track deposits, balances, and savings, and stay updated on active settlements. Access your online dashboard for more resources.

Instant settlement offer notificationsReview and authorize offersView upcoming deposits and balances

Pay Phone Bills & Build Credit

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus

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.

(10K)

myFICO - Credit Score Tracking

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)