Everyone desires to have an impressive credit score but achieving this is not easy; it demands a great deal of hard work, grit, and focus. To make sure your credit history is impeccable, you will need to make bill payments on time always and maintain a low debt-to-credit ratio. These days there are user-friendly mobile apps that streamline work, and some of them can monitor your credit score to make sure you are on the right track. The apps are mostly available for free for both iOS and Android devices and can be downloaded in a matter of minutes. Not only will these financial tools monitor the credit score, but they will also show you ways to boost it.
We have compiled a comprehensive list of the top credit boosting apps that can help you maintain a good credit score:
1. Experian:
This is a mobile app for credit monitoring designed to track the credit report and the FICO scores. You can get an updated credit report after 30 days. Experian happens to be one of the top 3 credit bureaus, and the Experian app is their free app. You can also access features like the Experian Boost that will enable you to improve your existing credit scores. You can get alerts every time there is a change to the score or your credit report. It also offers credit card suggestions depending on the FICO score. This is a highly rated app for monitoring credit profiles and advice on credit health changes, making it a reliable credit health app. The app is available on both Android and Apple devices. Pay for an Experian account using the Experian coupons, and get access to some additional features while also saving extra bucks.
2. Lexington Law:
This is one of the highly-rated apps to help repair credit. The tool helps you check your progress, and you can get access to credit reports from all important credit bureaus. You can find out ways to track your income, get updates on the existing disputes on your credit reports, learn about its money manager feature, and keep track of your budget, expenditure, and debts. Because you need a Lexington Law account subscription to use this app for raising your credit score, the Lexington Law promo codes can be of great help and provide huge savings.
3. Credit :
This is one of the most popular credit monitoring apps out there because, unlike other apps, you can benefit from its functionalities without paying a dime. The other apps require you to subscribe to their digital services. With Credit, you can view your complete credit profile and see how it relates to scores. So, you get an accurate idea of where you stand and how the credit score has changed. You can also obtain credit information as well as money-saving advice conforming to your existing score.
This app uses the Experian score for tracking your credit. Not only is it free but also rather easy to use. When a user signs up for Credit, he will be assigned a grade from credit.com. This could range from A+, which means the best, to F, which indicates the worst rating. It will evaluate multiple factors like debt usage, payment history, credit age, account mix, etc., to estimate credit score and your grade. There are visual aids built into the app that enable users to see how their scores are being calculated and how they can be increased. So, users can see what their credit mistakes are and find ways to fix these. Credit is available on both Android and iOS devices.
4. MyFico:
This app is completely free, but you need to have a myFICO account to get started. This will require a subscription, and the amount varies depending on the features you are looking for. Using this app, you may monitor your FICO score. There is a built-in FICO Score Simulator that shows how the score can improve with some concrete steps. You can get this app both on Android and Apple devices. Though free of cost, it can be listed as one of the best credit score apps of 2020.
5. Lock & Alert:
This is introduced by Equifax and allows you to lock and unlock the Equifax credit reports to keep them secure from frauds and thefts. If there is an instance of locking or unlocking, you will be immediately notified through an alert. So, you are always in control of what is happening. While the locking system is not as safe as the credit freeze, this feature gives you robust protection. It is also easy to maneuver, but the app will only work for the Equifax credit report. The app is user-friendly, free, and compatible with both Android and Apple devices.
6. TransUnion:
This is probably the best known for its refresh feature that lets you refresh the credit report and score every day so that you know exactly where you stand. You will be provided with instant alerts whenever there is a change. There is an exciting feature called Credit Lock Plus that allows you to lock the TransUnion reports, avoiding any fraud or theft. Besides, there is a Debt Analysis tool allowing you to estimate your debt-to-income ratio. It will also let you view all your public records. The app may be free, but users need to pay for a TransUnion account.
7. Score Sense Scores:
Score Sense Scores is a handy mobile app that will provide you with credit reports and scores from all the main credit bureaus. You can also receive daily alerts for any change to these reports and scores. With this app, you can access information about your credit cards that help you rectify the mistakes you may have made. You can then resolve these mistakes efficiently and quickly. The score tracking feature lets you see how your credit scores have changed over the months. You can also compare them with that of your peers. While the free app is available for both Apple and Android devices, you need a paid Score Sense account to use it.
8. Self:
This credit monitoring app will allow you to build and monitor your credit. It is ideally suited for people who have started creating a credit profile or for those that are seeking to rebuild their damaged credit scores. You can get loan terms of one or two years from Self. However, this loan amount gets transferred to a CD instead of being handed over to you upfront. You are then expected to make regular loan payments during the loan term and finally get the money in hand. While there is no inquiry into opening the account, your payments will be sent to all the 3 major credit bureaus. This helps to build your credit profile. While you are paying back your loan, you can access their free credit monitoring app and Vantage Score feature for tracking your progress.
9. Mint Money Manager:
This free debt-management app can be easily downloaded, and it will help you track your credit score seamlessly. It gives a lucid summary of ways in which you can boost your credit scores. To determine the score, the credit model used has been developed by Equifax. The Mint Money Manager app will also link your bank accounts, credit cards, and investments, thereby compiling all the financial information into a single all-inclusive Mint account. This account will then offer you a complete overview of your finances.This free debt-management app can be easily downloaded, and it will help you track your credit score seamlessly. It gives a lucid summary of ways in which you can boost your credit scores. To determine the score, the credit model used has been developed by Equifax. The Mint Money Manager app will also link your bank accounts, credit cards, and investments, thereby compiling all the financial information into a single all-inclusive Mint account. This account will then offer you a complete overview of your finances.
10. Credit Karma:
Credit Karma is a popular app for tracking credit scores. It is user-friendly, and you can register for an account in a matter of minutes. The app also updates and tracks your credit reports weekly. You can enjoy a feature that will break down all the factors that are contributing to your score. This insight allows you to understand how all your recent actions and past spending habits have affected the credit ratings, and information is presented in the Credit Karma report card. The app will monitor the scores from both TransUnion and Equifax, and the credit score that it tracks and provides is shown in the Vantage 3.0 scoring system and not the FICO credit scoring system that is the more commonly-used one.
11. Credit Sesame:
Using this credit monitoring app, users can access all their Experian scores for tracking their credit records. The Experian records are different from FICO records because of the difference in the scoring system. Using the Experian model, this app can build your credit history so that users can view their interest rates, the amount they owe, and their credit score. It provides refinancing solutions through the Lending Club feature that lets you pay off all high-interest debts. This uses a third-party app, but it is not imperative to use this feature for accessing the free services of Credit Sesame.
12. Credit Wise:
Launched by Capita One, this free app allows users to monitor their credit scores. You can use it without being an account holder by simply registering for a new account using Credit Wise. The app offers TransUnion scores and updates users weekly. A built-in credit simulator helps users simulate options to improve their scores.
So, without wasting any time, get yourself relevant coupons from Don’tPayAll and start building a good credit score!
