Credit Score Tracking Apps
A budget only tells half the story without knowing how spending and debt affect your credit score. These apps pull free scores from Equifax, Experian, or TransUnion, alert you to new inquiries or missed payments, and show which factors are dragging a score down or pushing it up.
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Free credit monitoring from TransUnion and Equifax with personalized recommendations for credit products tailored to your financial profile.
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Capital One's free TransUnion-based credit score and monitoring tool, available to anyone regardless of account status.
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Three-bureau credit monitoring and identity theft protection with $1M insurance
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Direct credit monitoring from Equifax with paid plans starting at $9.95/month
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Free FICO score tracking in mobile app from Experian with score change alerts
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The official FICO Score website providing access to real credit scores and reports used in lending decisions.
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Discover's free monthly FICO score from Experian data, available to everyone without requiring a Discover account.
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Direct credit monitoring from the bureau, with free TransUnion Credit Essentials and paid premium options
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Free credit monitoring with score alerts and personalized loan recommendations
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Free credit score monitoring with budgeting and subscription management tools
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Free business and personal credit monitoring with Dun & Bradstreet business data
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Free credit monitoring with VantageScore tracking and earned wage access features
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Credit builder with integrated score monitoring that reports to all bureaus
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Free credit score tracking tool integrated with broader financial comparison resources for credit cards, loans, and bank accounts.
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Credit builder and banking app reporting to all bureaus with alerts and tracking
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Three-bureau credit monitoring with dark web scanning and up to $1M identity theft insurance
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Free credit score tracking app using TransUnion data, paired with credit-building loan products and identity protection.
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Free credit score and full TransUnion report updated daily, bundled with WalletHub's broader personal finance tools.
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Norton-backed identity theft protection with three-bureau credit monitoring and up to $3M coverage
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Daily credit monitoring with dark web surveillance and up to $2M identity theft insurance
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Chase's free credit monitoring service using Experian data, open to both Chase customers and the general public.
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Real-time credit monitoring and identity theft protection with 60-day money-back guarantee
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Free identity protection with unlimited credit reports access and fraud alerts
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Three-bureau credit monitoring with 24/7 dark web monitoring and up to $2M recovery assistance
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Daily credit monitoring across all three bureaus with dark web scanning and $1M identity theft insurance
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Credit building card with in-app monthly credit score tracking from Experian
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Credit monitoring and analysis platform for tracking changes to credit files from all three bureaus
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AI-powered monitoring with automated dispute letters and three-bureau coverage
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Bill and rent reporting service that tracks positive payment history to build credit
Frequently asked questions
Do I need to be a customer of a specific bank to check my credit score?
No, many options on this list allow you to track your score for free without needing an existing account. For example, you can use CreditWise from Capital One or the Discover Credit Scorecard regardless of whether you have a bank account with them.
What is the difference between a free monitoring app and a paid service?
Free apps typically provide periodic score updates and alerts from specific bureaus. Paid services, like those offered by Equifax or Experian, may include more frequent monitoring, identity theft protection, or insurance coverage.
Can these apps help me improve my score rather than just showing it to me?
Yes, some tools offer more than just tracking. You can find apps that provide personalized product recommendations, credit building features that report to all bureaus, or insights into which factors are impacting your score.
Which credit bureaus do these services actually use?
The services use different data sources. Some focus on a single bureau like TransUnion or Equifax, while others provide three-bureau monitoring or specifically track your FICO score using Experian data.