Best Credit Lock Apps

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated October 2026

Looking for free credit lock apps? 20 of our 249+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Credit Lock Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1TransUnion®TransUnion®Free4.6★ (39K)NoNoOct 2026
2Experian®Experian®Free4.8★ (2.7M)NoYesOct 2026
3myEquifaxmyEquifaxFree4.8★ (51K)NoNoOct 2026
4LifeLock IdentityLifeLock IdentityFree4.8★ (196K)YesYesOct 2026
5Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.8M)NoNoOct 2026
6myFICO - Credit Score TrackingmyFICO - Credit Score TrackingFree4.8★ (52K)NoNoOct 2026
7Capital One CreditWiseCapital One CreditWiseFree4.8★ (310K)YesNoOct 2026
8Kikoff: Build Credit QuicklyKikoff: Build Credit QuicklyFree4.9★ (278K)NoNoOct 2026

Top Picks for Credit Lock

TransUnion®#1

TransUnion® by TransUnion

Your scores, reports & offers
Editor's Choice
💰 Finance
4.6😞(39K ratings)
Free
#93in Finance
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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.

What We Love

  • 🚀 Lightning-fast load times
  • 🔒 Robust security features
  • 👍 Useful credit monitoring

Room to Improve

  • 🐛 Frequent login issues
  • 💰 Expensive subscription
  • 🔍 Inaccurate credit information
  • 📞 Poor customer support
  • 🔑 Password management problems
Experian®#2

Experian® by Experian

Control Your Credit & Finances
Strong Contender
💰 Finance
4.8😐(2.7M ratings)
FreeIn-App Purchases
#31in Finance
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Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

What We Love

  • 🚀 Accurate credit score monitoring
  • 👍 Helpful credit improvement tips
  • 🔒 Secure credit report access
  • 💡 Useful Experian Boost feature
  • 🚀 Convenient credit tracking

Room to Improve

  • 🐛 Inaccurate credit score reporting
  • 🔒 Poor customer service and support
  • 💰 Overpriced premium subscription
  • 🐛 Buggy app performance
  • 🔒 Difficult to cancel subscription
myEquifax#3

myEquifax by Equifax

Start your credit journey
Worth Considering
💰 Finance
4.8😞(51K ratings)
Free
#68in Finance
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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.

What We Love

  • 👍 Convenient credit monitoring
  • 🚀 Easy to use app layout
  • 🔒 Secure login experience

Room to Improve

  • 🐛 Login issues and inability to create an account
  • 🔍 Difficulty finding credit freeze/unfreeze functionality
  • 🚫 Limited app functionality compared to website

More Credit Lock apps to explore

FAQ about Credit Lock

What are the best credit lock apps for iPhone?
TransUnion® tops our credit lock apps ranking as of October 2026, with a 4.6-star average from 39K App Store ratings, and it's free to download.
Yes — 20 of the top credit lock apps we rank are free to download, including TransUnion® and Experian®.
TransUnion® has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 249+ credit lock apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.