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Best Sofi Free Credit Score Apps

248+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our sofi free credit score list covers 248+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Sofi Free Credit Score Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7★ (386K)NoNoAug 2026
2Self - Credit Builder & CardsSelf - Credit Builder & CardsFree4.9★ (322K)YesNoAug 2026
3myFICO - Credit Score TrackingmyFICO - Credit Score TrackingFree4.8★ (49K)YesNoAug 2026
4True Finance: Cash AdvanceTrue Finance: Cash AdvanceFree4.8★ (43K)YesNoAug 2026
5TransUnion®TransUnion®Free4.6★ (39K)NoNoAug 2026
6Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoAug 2026
7Capital One CreditWiseCapital One CreditWiseFree4.8★ (308K)YesNoAug 2026
8Kikoff – Build Credit QuicklyKikoff – Build Credit QuicklyFree4.9★ (259K)NoNoAug 2026

Top Picks for Sofi Free Credit Score

SoFi: Bank, Invest & Crypto#1

SoFi: Bank, Invest & Crypto by Social Finance, LLC

Online Banking & Investing
Editor's Choice
💰 Finance
4.7😐(386K ratings)
Free
#16in Finance
SoFi: Bank, Invest & Crypto screenshot 1
SoFi: Bank, Invest & Crypto screenshot 2
SoFi: Bank, Invest & Crypto screenshot 3
SoFi: Bank, Invest & Crypto screenshot 4
SoFi: Bank, Invest & Crypto screenshot 5
SoFi: Bank, Invest & Crypto screenshot 6

Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

What We Love

  • 🚀 Convenient all-in-one finance app
  • 💰 Competitive interest rates on savings
  • 👍 Intuitive and user-friendly interface
  • 📈 Integrated investment platform

Room to Improve

  • 🐛 Buggy and unreliable account management
  • 🕰️ Slow money transfer and withdrawal process
  • 💸 Unwarranted account freezes and fund holds
Self - Credit Builder & Cards#2

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

Build credit for a credit card
Strong Contender
💰 Finance
4.9😊(322K ratings)
Free
Self - Credit Builder & Cards screenshot 1
Self - Credit Builder & Cards screenshot 2
Self - Credit Builder & Cards screenshot 3
Self - Credit Builder & Cards screenshot 4
Self - Credit Builder & Cards screenshot 5
Self - Credit Builder & Cards screenshot 6

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

Room to Improve

  • 🐛 Inconsistent autopay issues
  • ⚠️ Unexpected account closures
  • 💸 Fees and interest charges
myFICO - Credit Score Tracking#3

myFICO - Credit Score Tracking by Fair Isaac Corporation

Get & Track Your Credit Report
Worth Considering
💰 Finance
4.8😐(49K ratings)
FreeAds
myFICO - Credit Score Tracking screenshot 1
myFICO - Credit Score Tracking screenshot 2
myFICO - Credit Score Tracking screenshot 3
myFICO - Credit Score Tracking screenshot 4
myFICO - Credit Score Tracking screenshot 5

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.

What We Love

  • 🚀 Keeps you updated on credit changes
  • 🔒 Provides accurate FICO scores
  • 👍 Helpful for home/car purchases
  • 💡 Useful credit monitoring and analysis tools

Room to Improve

  • 🐛 Inconsistent/inaccurate score reporting
  • 💰 Expensive subscription fees
  • 🔍 Lacks detailed credit information

More Sofi Free Credit Score apps to explore

4
True Finance: Cash Advance
True Finance: Cash Advance
True Finance: Cash Advance
Get, Earn, and Save Money
Free

Access instant cash advances, manage your budget with smart tools, and track your credit score. Earn extra income by playing games or taking surveys. Explore financial products from trusted partners.

Instant cash advances up to $150Smart budgeting and spending trackerEarn rewards by playing games and surveys
💰 Finance
(43K)
subscription
5
TransUnion®
TransUnion®
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.

Free credit scoresFree credit reportsFree credit monitoring
💰 Finance
(39K)
freemium
6
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
💰 Finance
(7.7M)
free with in-app purchases
7
Capital One CreditWise
Capital One CreditWise
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.

Free FICO® Score 8 accessTransUnion® credit report accessDark web alerts for identity theft
💰 Finance
(308K)
free
8
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Grow & Track 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.

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month
💰 Finance
(259K)
free with in-app purchases
9
myEquifax
myEquifax
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.

Monthly Equifax credit report updatesFree credit score trackingAI-powered credit improvement plan
💰 Finance
(37K)
free with in-app purchases
10
myCreditScore - Credit Check
myCreditScore - Credit Check
myCreditScore - Credit Check
Credit Score Tracker
Free

This app provides personalized credit scores and insights for users in Ghana. Track your score over time, receive alerts on changes, and view lender claims to understand your financial standing and support your financial goals.

View credit score and trendsGet personalized insightsReceive score change alerts
💰 Finance
(1)
free
11
Credit Rating and Credit Check
Credit Rating and Credit Check
Credit Rating and Credit Check
Prefect your credit rating
Free

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.

Credit score components explainedUnderstanding credit historyHow to get credit reports
💰 Finance
(1)
free
12
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(450K)
subscription
13
Credit Tracking
Credit Tracking
Credit Tracking
Customer Monitoring Hub
Free

Monitor your credit restoration progress, including credit score changes, disputed items, and deletions. Easily submit essential documents and messages to manage your credit journey.

Monitor credit score progressTrack disputed itemsView item deletions
💼 Business
(75)
free
14
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Borrow money, loans, advances
Free

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments
💰 Finance
(134K)
free with in-app purchases
15
Ai-Credit Score Coach
Ai-Credit Score Coach
Ai-Credit Score Coach
Boost Credit Score Fast
Free
💰 Finance
(0)
16
Ava: Build Credit Fast
Ava: Build Credit Fast
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.

Build positive credit historyCredit builder card for subscriptions and billsSave & Build Credit Account for savings and credit line
💰 Finance
(49K)
subscription
17
IDProtect® Score Tracker
IDProtect® Score Tracker
IDProtect® Score Tracker
by Econ-O-Check Corporation
Free
🌟 Lifestyle
(0)
18
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

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.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
19
Lexington Law - Credit Repair
Lexington Law - Credit Repair
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.

Personalized credit repairChallenge inaccurate negative itemsReal-time progress updates
💰 Finance
(109K)
free with in-app purchases
20
Credit Score Education
Credit Score Education
Credit Score Education
Understand & Improve Credit
Free
💰 Finance
(0)

FAQ about Sofi Free Credit Score

What are the best sofi free credit score apps for iPhone?
SoFi: Bank, Invest & Crypto tops our sofi free credit score apps ranking as of July 2026, with a 4.7-star average from 386K App Store ratings, and it's free to download.
SoFi: Bank, Invest & Crypto has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 248+ sofi free credit score apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The SoFi app allows users to manage their banking, invest in stocks and ETFs, buy and sell cryptocurrency, and track their credit score. It aims to consolidate various financial activities into a single platform, eliminating the need for multiple apps.
Key features include a fee-free checking account with early direct deposit, a high-yield savings account with organizational vaults, commission-free stock and ETF trading with fractional shares, the ability to buy/sell/hold over 25 cryptocurrencies, loan pre-qualification, and credit score monitoring.