Tracking your credit score used to involve writing letters and requesting information by mail and until a few years ago, you actually had to pay to see your own credit report! Today, while it is still no one’s idea of a fun time, tracking your credit score can be quick, easy and free. Here’s a simple rundown of nine apps that can help you monitor your credit score.
This app from Capital One allows you to check your TransUnion credit score as often as you like. It also monitors the Dark Web and will alert you if it finds your email address or Social Security number so that you can take action to prevent identity theft. This app is free to anyone, you don't need to be a Capital One customer.
This well-known free credit monitoring app allows you to see your scores from Equifax and TransUnion. One interesting feature of Credit Karma is that it will make suggestions to save you money based on your credit activity. For example, if your credit score has improved, Credit Karma might suggest you look into refinancing your mortgage because you will now qualify for a lower interest rate.
Credit bureau Experian has developed its own app for checking your credit score. Your score updates every 30 days. The Experian app will also show you how your credit usage impacts your score and suggest credit cards that are the best match for your credit situation.
Credit Sesame will show you your TransUnion credit score, and it also has a system to give you letter grades to help you understand which aspects of your credit report are good and which you can improve on. This free app has a unique feature that predicts the amount of credit that may be available to you based on your current credit report.
While most of the apps on our list update your credit score on a weekly or monthly basis, WalletHub updates daily. If you are focused on improving your credit, this app does a good job of making personalized suggestions that will raise your score.
If you are looking for a more complete personal financial management tool, Mint may be the way to go. In addition to helping you track your credit score, Mint can connect with your accounts at most major financial institutions. This way, you can track your bank accounts and investments too.
This app from Lending Tree provides you with your credit score, updated every 30 days, and shows you what has changed from month-to-month about your credit report. This app also uses information from Kelley Blue Book and your auto loans to estimate how much equity you have in your vehicles.
Credit.com’s free app to track your credit score will break down the details of what goes into your credit score and how you are doing in those areas. This app also shows you how your credit score stacks up with the rest of the country and your state.
There is beauty in simplicity, and NerdWallet rounds out our list of the best credit score-tracking apps because it has a simple interface and is easy to use. This app updates your credit score every seven days.