Best Personal Credit Tracker Apps

Ava: Build Credit Fast

Save Money with Lower Interest

Free

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

TransUnion®

Your scores, reports & offers

Free

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.

Capital One CreditWise

Your credit score, simplified

Free

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.

VIVA Finance: Personal Loans

Borrow Money & Credit Tracking

Free

This app helps employees build and access better credit. Track your credit score, monitor loan information, and receive personalized recommendations to unlock savings and improve your financial future.

Credit.com

Credit Score and Grades

Free

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.

Kikoff: Build Credit Quickly

Grow & Monitor Your Credit

Free

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.

myEquifax

Start your credit journey

Free

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.

NerdWallet: Smart Money App

Track, Save & Invest

Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Lexington Law - Credit Repair

Credit Repair, Score & Reports

Free

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.

Arcane: Build Credit. Quick.

Grow & Track Your Credit Score

Free

Build your credit score by reporting rent and bill payments. Securely link your bank account to automatically detect eligible expenses. Accelerate progress with past payment history reporting for a one-time fee.