Overview: The Best free credit score software
- 1 Overview: The Best free credit score software
- 2 Number 1: Credit Karma
- 3 Number 2: Credit wise
- 4 Number 3: Mint
- 5 Number 4: Credit Sesame
- 6 Number 5: Credit.com
- 7 Number 6: myFICO
- 8 Number 7: WalletHub
- 9 Number 8: Experian by Creditworks
- 10 Number 9: TransUnion
- 11 Number 10: Onescore
- 12 FAQ
- 13 Conclusion
Number 1: Credit Karma
Credit Karma is a personal finance company that offers free credit scores, credit reports, and credit monitoring services to consumers. It also provides tools and resources to help consumers better understand and improve their credit, including personalized recommendations for credit cards and loans based on an individual’s credit profile.
Credit Karma works with Equifax and TransUnion, two of the three major consumer credit bureaus, to give you access to your free credit scores and free credit reports. Credit Karma’s scores are close to their actual FICO scores.
Checking your free credit scores on Credit Karma isn’t a one-time set-it-and-forget-it task. Your scores may be updated frequently as your credit history changes, so checking them regularly can help you keep track of important changes in your credit profile.
|Free credit scores and credit reports.||Only offers credit scores and credit reports from TransUnion and Equifax.|
|Daily credit monitoring and alerts.||Not all lenders report to Credit Karma.|
|Credit tools and resources to provide personalized recommendations.||Not a lender, can only recommend.|
Number 2: Credit wise
Credit Wise is a financial tool offered by Capital One that allows users to monitor their credit score and manage their credit health. It offers features such as credit score tracking, alerts for changes to your credit report, and personalized recommendations for improving your credit.
This app only focuses on monitoring your credit score and report, as opposed to some other apps that focus on other parts of your financial well-being.
|Free of cost.||Information is not comprehensive.|
|Credit score simulator feature.||Continuous alerts to change the report are too overwhelming.|
|CreditWise to keep your information secure, encrypted and protected.||No credit budding tools or resources.|
Number 3: Mint
Mint credit score app is a financial management tool that helps you track and improve your credit score. With this app, you can monitor your credit report, check for errors, and receive personalized recommendations for boosting your score.
Mint breaks down the basics of credit score and offers suggestions to improve it. It sends you updates on your credit score and account monitoring alerts, plus personalized advice.
|Easy to use.||No credit repair service.|
|Comprehensive credit report with personalized information.||Only credit score is free but other services are paid.|
|Budgeting tools.||Limited to certain credit bureaus.|
Number 4: Credit Sesame
Credit Sesame is a personal finance company that provides credit monitoring, credit score tracking, and other financial tools to help consumers manage their finances. It offers credit reporting monitoring and will alert you of changes to your credit report. It also offers identity theft insurance (up to $50,000) and fraud remediation assistance.
Credit Sesame has three paid plans: Advanced Credit, Pro Credit, and Platinum Protection. Plans start at $9.95/month.
|Free credit monitoring.||Access to only one credit score in the free plan.|
|$50k identity theft protection and restoration.||Advertisements|
|Free credit score tracking.||Upselling with additional financial products is annoying.|
Number 5: Credit.com
The Credit.com app is a financial management tool that allows users to track their credit score, monitor their credit reports, and receive personalized recommendations for improving their credit. Credit.com gives you access to your credit score from Experian, for free. You also get a personalized action plan which lets you track your debt and your payment history and their impacts on your score. It provides users with a comprehensive view of their credit, including their credit score, credit reports, and credit history.
|Personalized recommendations for improving credit (like paying off debt).||Credit score updates very frequently.|
|Free Experian credit score.||Unnecessary credit card and loan recommendations.|
|Real time monitoring and alerts with mobile app.||No real time customer support on the phone.|
Number 6: myFICO
myFICO is a credit score and credit report app developed by FICO, a leading provider of credit scoring models. The app allows users to monitor their credit scores and reports, and provides alerts and notifications for changes to their credit information. It also includes educational resources and tools to help users understand and improve their credit scores.
|Access to all three credit scores from the major credit bureaus.||No free plan available.|
|28 FICO® Scores, including mortgage, auto, and credit versions.||Premium plans are expensive|
|Credit monitoring and alerts.||Paid plans are limited to FICO scores.|
Number 7: WalletHub
WalletHub is a personal finance app that allows users to track their credit scores, credit card balances, and spending habits. It also offers tools to help users save money, such as a credit card reward calculator and personalized recommendations for credit cards.
WalletHub doesn’t offer any premium upgrades, that’s because all the premium features are available with a free WalletHub account.
|Credit card rewards calculator.||Potential security concerns.|
|100% free to use, no credit card required.||Only one credit score access.|
|TransUnion credit score updated daily.||Doesn’t offer a comprehensive view of finances.|
Number 8: Experian by Creditworks
|Product||Experian by Creditworks|
The Experian by Credit Works app is a credit monitoring and management tool that helps users track and improve their credit scores. With this app, users can view their credit reports, credit scores, and credit history, as well as receive alerts for any changes or potential fraud.
It offers two plans: CreditWorks Basic, which is free, or CreditWorks Premium, which is $24.99/mo. Mostly, 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.
|Easy to use and navigate.||Premium plan is expensive.|
|Provides detailed and accurate credit reports and scores.||Basic plan only give access to one credit score.|
|Has a fraud alert feature to protect against identity theft||Some users have reported issues with the app’s accuracy or reliability|
Number 9: TransUnion
TransUnion app is a useful tool for those looking to manage their credit and finances on the go. The TransUnion app is a financial management tool that allows users to track and monitor their credit score and credit reports.
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 with great features like identity theft insurance, credit monitoring and theft alerts.
|Convenient.||Subscription is very expensive.|
|Data security with encryption.||Only have access to credit score and report from TransUnion.|
|Credit scores and reports updated daily||Not available for all users.|
Number 10: Onescore
OneScore, a fintech app from the folks behind OneCard. The app helps keep track of your credit scores and gives an overview of your credit profile.
OneScore helps give you a complete 360-degree view of your credit profiles, right from your CIBIL score to a breakdown of your EMIs, repayment histories, and all the loans (via credit cards and BNPL products, along with bank loans) signed to your name—whether you’ve availed them or not.
The latest version of OneScore, you can get a bird’s eye view of all your credit & loan accounts under one tab. You can still check your Experian & CIBIL score for free while we share customized actions to help you build better credit history or credit record.
|Completely free.||Old interface was better in comparison to the new version.|
|No ads-ever.||Editing personal information like PAN card details is difficult.|
|Ability to connect with users’ bank accounts and credit cards.||Experience score is not updated regularly according to some users.|
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