Your credit score plays an important role in the type of financing for which you are eligible, how much you can borrow, and what kind of rates you will get. In some cases a bad credit score means you have a higher interest rate; in others, you could get declined completely for a car loan or mortgage. That’s why it’s of utmost importance to know where you stand. Have a look at our list of the best iPhone app for finding out your credit scores.
The best iPhone apps for monitoring credit scores
11 Jan 2017, by Cherry Mae Torrevillas
Solve the credit mystery by getting to know your credit. Credit Karma is the free, secure, and easy way to stay current about the state of your all important credit. This clever app provides money-savvy users with free credit reports, credit scores, and daily credit monitoring. Features include at-a-glance overview of all accounts, credit cards, and loans. A forecasting feature provides tips for boosting credit factors and even generates a range scenarios for debt reduction and the corresponding credit score improvement. Unbelievably, this app even boasts a dispute feature, which users can tap to deal with any errors on a credit report.
- Free, secure, and easy
- At-a-glance overview of all debt and credit products
- Forecasting feature for debt reduction and credit score improvement
- Dispute feature
- Daily credit monitoring
Access your Experience Credit Report via this app. Get your information very quickly and at any time you want. View and better understand your credit report, it’s updated every 30 days, monitor changes to your credit, get notifications when changes occur, easily monitor credit or creditors, see how your credit usage impacts your overall score and more. This app is designed for users who really need to monitor their overall credit most likely to make a purchase or qualify for a loan. There are numerous in-app purchases for various subscription options.
- Monitor and view your Experian credit report
- Get notifications when changes occur to your credit
- View how your credit usage impacts your credit score
- Credit report updates every 30 days
- In-app purchase for various subscription options
The key to the world of adulting is building and maintaining a healthy credit score. The Lenny app is the easy and free way for millennials to harness technology toward this all-important consumer goal. More than just an informational tool, the Lenny app helps to build credit the old-fashioned way: by letting you (instantly) borrow money. Funds are at users’ complete disposal, and come with rates as low as 7.9% APR. The real magic happens when users pay back in full at the end of the billing cycle, which is monthly, thereby generating a 0% APR. (Late payment is even forgiven once a year!) Value added features include credit score improvement tips and proprietary metrics that account for educational background to offer custom rates. Initial credit lines of $500 are offered based upon GPA.
- Millennials can build or improve credit score instantly
- Users can borrow and pay back money
- Interest rates matched with GPA
- Use funds for any purpose
- Pay back on time pay no interest
Elegance and ease of use are the hallmarks of the Prosper Daily App. Even if a mantra won’t get you prosperity, this handy little personal finance tool is a premium tool for a budget price (it’s free). Prosper by keeping track of your daily spending using custom analytics, or by simply using the built-in categories. The intuitive interface shows what you’re spending on and where. A daily credit score feature makes it easy to keep the big picture in view as you work toward your larger financial goals. Also included is premium identity theft protection to keep your info safe and to help catch fraudulent charges fast.
- Premium tool for a budget price (FREE)
- Provides customization of analytics
- Daily credit score
- Identity theft protection
- Intuitive interface
The feature that sets Credit.com apart is expert guidance matched to users’ individual circumstances. Complete with money-saving recommendations, the app is the perfect marriage of money savvy and tech savvy. Credit.com includes the ubiquitous free credit score, but what sets it apart is the detailed explanation for score changes. Swipe further and you can see short-, medium-, and long-term view of your debt usage. Take immediate steps to repair your credit by reviewing the recommended action steps. The app is free so the price is definitely right for a money management app, particularly if debt reduction is your goal.
- Free credit score
- Explains score changes
- Overview of debt usage
- Recommends steps to repair credit
- Free app for monitoring credit scores
Review your credit score on iPhone or iPad with Scores To Go, by accessing any of the three national credit agencies. The app offers notifications when your scores update, giving you instant access to the most up to date information about your money picture. Keep an optimistic outlook by viewing the elegant ScoreTracker screen, which graphs your progress. You can also check how your score compares with other Americans by state or age group. Along with daily credit monitoring, you’ll get access to a Dispute Centre giving you the power to influence your credit reports. Knowing where you stand financially is the first step to control over your money, and Scores To Go will equip you further with credit facts and tips to help steer your money ship towards wealth.
- Credit facts and tips
- Comparison feature
- ScoreTracker graph feature
- Access to Dispute Centre
- See your credit score on any of the three national credit agencies
An app that’s been written about extensively in the business and money press, Credit Sesame is a feature packed platform for more than just reviewing your credit score and credit report. The app includes credit monitoring and identity protection, and the peace of mind of bank level encryption. The app makes personalized recommendations as to credit cards, mortgage and refinance rates, as well as offering a Home Buying Power feature which calculates how much home you can afford. Monitor your total debt or plan to grow an emergency fund, and let the app suggest the best return on deposit investments.
- Credit Score and Credit Report
- Identity protection and bank level encryption
- Personalized recommendations
- Monitor total debt
- Free iPhone app for monitoring credit scores
CreditReporter is the premier mobile application for Dun & Bradstreet Credibility Corp. whose products include CreditSignal, CreditAlert, CreditMonitor and Credit Builder. CreditReporter is the only mobile app for anytime, anywhere monitoring of business credit. Get current Scores and Ratings, including a delinquency predictor and credit limit recommendations. Instant alerts advise when your score has changed or when someone has pulled your credit. It features easy access to a company’s PAYDEX score, which ranks timeliness of a company’s historical payments to vendors.
- Anytime and anywhere monitoring of business credit
- Delinquency predictor
- Credit limit recommendations
- Instant alerts score changes
- PAYDEX score
The quintessential credit app, myFICO Mobile is the mobile app for myFICO.com users. The FICO score is the universal language of credit health, and the only barometer you need for assessing your financial health. The app includes this all-important FICO score number, as well as analysis and educational content. View credit reports from one or all three bureaus. Users can keep tabs on their credit identity with the Identity analysis report & Identity monitoring, and report any suspected identity theft. Get alerts when major changes are made, or when one of your accounts has a balance change.
- FICO score
- Credit reports
- Identity monitoring
- Alerts when major changes
- Free iPhone app for monitoring your credit score