Best Credit Score Apps for iPhone and iPad in 2022

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According to a recent survey of 410 Americans, about 30% of respondents reported not knowing their credit score. Since one's credit score is a determinant of eligibility for many financial products ranging from auto loans to mortgages to credit cards, it is worrisome that almost a third of people aren't actively monitoring their credit score. To help you stay on top of your credit score, we've found the best apps to help you keep track. The best part is that using these methods to check your credit score does not negatively affect your credit.

Not happy with your score? There are a number of relatively simple changes (opens in new tab) you can apply to your spending habits to help improve it.

Consumer favorite (opens in new tab)

Credit Karma

Usage of Credit Karma (CK) has really exploded after it entered the market many years ago. Users will receive credit reports from TransUnion and Equifax (2 of the major credit bureaus) completely free. CK will then use its data to make financial product offers to users, such as credit cards or personal loans. The financial institutions selling these financial products are the entities paying CK. Their app provides alerts for any sudden changes in your credit score, and you can even send a dispute to the credit bureau directly from the app.

The standard (opens in new tab)

myFICO

The FICO score has been generally known as the standard for consumer credit reports. However, while the app is free, you need a subscription to FICO, which starts at $29.95 per month. After a subscription, you'll see your FICO score from all three credit bureaus along with how it has changed over time. Push notifications will tell you if anything changes. Though there is a hefty price tag, the subscription and app will provide you all you need to know about your credit picture.