Best Credit Lock Apps

249+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated November 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 (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Experian®: Credit Score & moreExperian®: Credit Score & moreFree4.8★ (2.7M)NoYesNov 2026
2TransUnion®TransUnion®Free4.6★ (39K)NoNoNov 2026
3myEquifaxmyEquifaxFree4.8★ (54K)NoNoNov 2026
4LifeLock IdentityLifeLock IdentityFree4.8★ (197K)YesYesNov 2026
5myFICO - Credit Score TrackingmyFICO - Credit Score TrackingFree4.8★ (52K)NoNoNov 2026
6Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.8M)NoNoNov 2026
7Self - Credit Builder & CardsSelf - Credit Builder & CardsFree4.8★ (340K)NoNoNov 2026
8Capital One CreditWiseCapital One CreditWiseFree4.8★ (311K)YesNoNov 2026

Top Picks for Credit Lock

Experian®: Credit Score & more#1

Experian®: Credit Score & more by Experian

Loans, Cards, Save & Protect
Editor's Choice
💰 Finance
4.8😐(2.7M ratings)
FreeIn-App Purchases
#27in Finance
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Access your credit report and FICO Score for free. Get personalized credit card and loan offers, monitor your credit, and improve your financial health. Premium features include bill negotiation and cash advances.

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
TransUnion®#2

TransUnion® by TransUnion

Your scores, reports & offers
Strong Contender
💰 Finance
4.6😞(39K ratings)
Free
#96in 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
myEquifax#3

myEquifax by Equifax

Start your credit journey
Worth Considering
💰 Finance
4.8😞(54K ratings)
Free
#72in 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?
Experian®: Credit Score & more tops our credit lock apps ranking as of November 2026, with a 4.8-star average from 2.7M App Store ratings, and it's free to download.
Yes — 20 of the top credit lock apps we rank are free to download, including Experian®: Credit Score & more and TransUnion®.
Experian®: Credit Score & more has no ads and offers in-app purchases, according to its App Store listing as of November 2026.
We track 249+ credit lock apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.