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8 Best Credit Score Apps in 2022

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Summary of 8 Best Credit Score Apps in 2022



Credit scores


Learn more


Credit Karma

Our rating
Credit scores
TransUnion, Equifax


on Credit Karma's website

Why we like it

We like that Credit Karma is 100% free and yet, offers premium features better than many paid credit score services. Credit Karma doesn’t offer any paid subscriptions because all the premium features of their credit tracking service are apart of your free Credit Karma account.


  • Get 100% free credit scores from Equifax and TransUnion
  • Get alerted when there are important changes on your credit reports with free credit monitoring
  • Credit scores are updated weekly
  • Great mobile app
  • Get personalized tips to help improve your credit score
  • Offers a variety of other services including savings account, free tax filing, and more


  • Recommendations may tempt you to open unnecessary credit cards and loans

Experian CreditWorks

Our rating
Credit scores
FICO®, Experian, TransUnion, Equifax


Up to $24.99/mo
on Experian's website

Why we like it

You have the choice between CreditWorksSM Basic, which is free, or CreditWorksSM Premium, which is $24.99/mo. For most people, the basic plan will suffice. The basic plan gives you your Experian credit score and will also give you Experian and FICO® Score monthly credit reports.


  • Free FICO credit score from Experian
  • Free monthly Experian credit reports
  • Free one-time dark web scan
  • Free one-time identity scan for your child
  • Free credit monitoring
  • Easily submit and track Experian credit report disputes online


  • The price of the premium plan is a bit high
  • The free plan only gives you access to one credit score


Our rating
Credit scores
FICO®, Experian, TransUnion, Equifax


Up to $39.95/mo
on myFICO's website

Why we like it

myFICO makes it easy to understand your credit with FICO Scores, credit reports, and alerts from all three bureaus. FICO® Scores are the only credit score used by 90% of top lenders. Although myFICO doesn’t offer any free plans, their paid plans come packed with incredible features such as $1 million identity theft insurance.


  • Get access to all three credit scores from the major credit bureaus
  • Get 28 FICO® Scores, including mortgage, auto, and credit versions
  • Credit monitoring and alerts
  • $1M identity theft insurance


  • There is no free plan available
  • Premium plans are expensive


Our rating
Credit scores


on TransUnion's website

Why we like it

TransUnion does not offer free credit scores or reports, so if you are looking for a free option, you should look elsewhere. However, if you are wanting more than a free credit score, the premium subscription comes packed with great features such as identity theft insurance, credit monitoring and theft alerts, and more.


  • Credit scores and reports updated daily
  • Instant email alerts when someone applies for credit in your name
  • Lock and unlock your TransUnion and Equifax credit reports
  • Credit monitoring and alerts
  • Up to $1M identity theft insurance
  • Has a free service called TrueIdentity


  • The premium plan is expensive
  • Only have access to credit score and report from TransUnion


Our rating

4.4 / 5

Credit scores


on CreditWise's website

Why we like it

CreditWise is backed by Capital One and is completely free to use. Get access to features such as credit monitoring, dark web scans, and automatic alerts from two of the three credit bureaus—all for free.


  • Free credit score from TransUnion
  • Free TransUnion credit report
  • Get alerted if your social security number or email address is found on the dark web
  • Personalized suggestions to help improve your credit score
  • TransUnion credit score updated weekly
  • Great mobile app for Apple and Android


  • Only have access to one credit score

A complete guide to choosing the best credit tracking app

Your credit score can be the deciding factor for many important decisions in your life. For example, if you want to open a new credit card, buy a house, or buy a car, you’ll need good credit to lock in the best rates. But how can you know if your credit is good?

That’s where credit tracking apps come into play. With most credit score site, you can check your credit scores completely free. Some websites, such as Credit Karma, even give you access to free credit reports.

Credit reports have traditionally only been available for free once per year through Federal programs such as Additional reports would have cost you a one-time payment of up to $30 or more. You now have access to these same reports whenever you want them—and for free.

We’ve evaluated the top credit score apps and sites and have ranked them here. We also offer advice on how to utilize a credit score app to help boost your credit score.

Let’s get started.

How do credit score apps work?

Credit score apps all work similarly. They pull credit information directly from one or more of the three major credit bureaus and display that information for you in an easy to understand way.

Let’s use Credit Karma as an example. Credit Karma gives you both your TransUnion and Equifax credit scores. Contrary to popular belief, the credit scores that you see on Credit Karma (and most credit score websites) are the actual scores from the credit bureau, not just estimates.

Credit score apps pull your credit information directly from the major credit bureaus. This explains why credit monitoring apps will often ask for your Social Security number and other personal information. They use this information to match you up with your credit file.

It’s important to note that the credit scores that credit tracking sites give you will vary. What does this mean? It means that one site may only offer you your Equifax score, another your TransUnion score, and another your FICO score. Some sites may provide you all of your scores, usually if you pay for a premium subscription.

For example, CreditWise only gives you your TransUnion score. Meanwhile, a paid subscription at myFICO will provide you with all of your credit scores—FICO, Experian, TransUnion, and Equifax.

Why should I use a credit score app?

You should use a credit score app for the same reason you should be getting regular physical exams—to check your credit’s health. If there is an issue, you can quickly address it.

Even if you wish it weren’t the case, your credit score plays an important role in your life. It could be the deciding factor of something as simple as a credit card approval or something more serious like getting a job. Many employers will check your credit history and use that as a factor when deciding to hire you.

So what can you do about it? Check your credit score regularly using a credit score app. By keeping up with your score, you can be in the driver’s seat when you see changes to your credit file. What kind of changes might you ask?

For example, say you check your credit score for free using Credit Karma. One day you log in and find that your score has dropped from a 720 down to a 700—a 20 point drop. What happened?

You do some digging and discover that someone used your Social Security number to open a new personal loan. You can now quickly take the necessary steps to report the issue with the credit bureaus.

Using a credit score app not only helps you prevent yourself from identity fraud, but it can also serve as a reminder to continue being a good steward of your credit. By continually checking your score, you’ll end up subconsciously holding yourself accountable and wanting to improve it.

And what’s there to lose? Most credit tracking apps are free, anyway.

What is the best site to check your credit score for free?

Our top pick for the best credit score app goes to Credit Karma. We find that Credit Karma’s easy-to-use user interface and robust features beat any other competitor’s website. To top it off, Credit Karma is 100% free—they never ask you for a credit card number.

Which credit score app is most accurate?

Because most credit score apps pull your credit information directly from the credit bureaus, they will all be accurate. Therefore, the next question should be, which credit score app offers the most features, or at least the features you desire the most.

To answer this question, you must first decide on the type of credit score service you want to use. Do you only want a free credit score app, or would you be willing to pay for a premium service to get more features?

A premium credit tracking site, such as myFICO will always offer more features than a free website. For example, a subscription with myFICO comes packed with reports and scores from all three major credit bureaus, 28 FICO scores, $1 million identity fraud insurance, and 24/7 credit and identity monitoring, and more.

In contrast, a free credit score service such as Credit Sesame only includes your TransUnion credit score, no credit reports, and no premium features like fraud insurance.

If you want more features without having to pay a premium, you can use Credit Karma. Credit Karma gives you two credit scores for free, credit reports, credit monitoring, and more—all for free.

The Investor Post’s best credit score tracking apps recap

Frequently asked questions about credit score apps

What is credit monitoring?

Credit monitoring is a service that notifies you of changes to your credit report. The primary purpose of credit monitoring is to detect suspicious activity to guard against identity theft. Many banks, credit card companies, and credit score websites offer credit monitoring services for free.

Why should I monitor my credit score?

You should monitor your credit score to protect yourself against fraud or administrative errors made by credit bureaus. By getting notified early, you can quickly resolve any issues before they have any significant impact on your financial health.

Does checking your credit score lower it?

No, frequently checking your credit score will not have any negative impact on it. Instead, your credit score is affected by six main factors: payment history, credit utilization, derogatory marks, age of credit history, total accounts, and hard inquiries.

About the author

Joshua Mayo is the founder of The Investor Post, runs a self-branded YouTube channel, and is an avid investor and entrepreneur.

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