Here are the 10 Credit Repair Apps (Android & iOS).
Contents
10 Credit Repair Apps (Android & iOS)
1. Credit Karma – Free Credit Scores & Reports
• Check your free credit scores – Take a look at your free credit reports to learn what affects your credit score and how you can take control.
• Credit Karma Money™ Spend – A whole new kind of checking experience with no hidden fees,* two-day Early Payday,** and a daily chance to win Instant Karma™ cash reimbursements for debit card purchases.***
• Credit Karma Money™ Save – We’re making it easy to save with no fees, a high-yield savings rate and a monthly chance to win a $20,000 Instant Karma™ cash boost when you make a deposit.****
• Explore the Relief Roadmap – Connect with government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more.
• Free ID monitoring – We help you spot potential identity theft and give you tips for keeping your personal information safer.
• Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports.
• Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying.
• Credit card choices – Browse great credit card offers based on your unique credit profile.
• All things auto – Tune up your auto loan, save on car insurance, see open recalls and find vehicle records.
• Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter.
• Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile.
• Credit Karma Tax® – Filing your 2020 state and federal tax returns with the IRS is 100% free from start to finish, plus you’ll get our Maximum Refund Guarantee**, Audit Defense*** and dedicated support.
• Search unclaimed money – See if any of the more than $40 billion in unclaimed money has your name on it.
Join more than 100 million members and get all these features, and more, for free. Download the Credit Karma app now.
DISCLAIMER
Banking services provided by MVB Bank, Inc., Member FDIC.
*Third-party fees may apply.
**Compared to standard electronic deposit. Early access is dependent on timing of payor’s submission.
***NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#instant
****NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#savings-instant
*****If you receive a larger federal tax refund amount or owe less in federal taxes using the same Tax Return Information when filing an amended return through another online tax preparation service, then you may be eligible to receive the difference in the refund or tax amount owed up to $100 (minimum $25) in the form of a gift card from Credit Karma Tax®. For details and eligibility, see https://www.creditkarma.com/tax/programterms#1.
******For details and eligibility, see https://www.creditkarma.com/lp/audit-defense-terms/. Exclusions apply.
$2781 provided in the Credit Karma Tax phone screen image is the average 2018 Federal tax refund based on data provided by the IRS. $2973 is the average 2018 State tax refund in CA based on data provided by the CA Department of Revenue.
Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at https://www.creditkarma.com/about/mortgage-licenses.
Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | California loans arranged pursuant to a California Financing Law license.
Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).”
2. CreditRepair
Features:
-View your total items removed
-View your current Creditor interventions
-View your current Credit Bureau Challenges
-View your current credit alerts
Security:
Just like with your online member account, sign in with your secure credentials and your personal information is protected”
3. Experian – Free Credit Report
See what's helping or hurting your FICO® Score, learn how your credit report impacts your FICO Score and interact with your credit in a completely re-imagined way. Always be in the know with credit monitoring and alerts that notify you when key changes to your Experian Credit Report & FICO Score occur.
Plus, take advantage of Experian CreditMatch™*** to find better credit cards and apply with confidence thanks to matches based on your FICO® Score.
KEY FEATURES:
FREE FICO® SCORE* and EXPERIAN CREDIT REPORT
• Track your FICO Score and see which financial behaviors are helping or hurting.
• Better understand the kind of information lenders see – like credit accounts, inquiries and public records.
• Automatically updates every 30 days upon sign-in.
EXPERIAN BOOST**
• Connect your accounts to increase your FICO® Score instantly.
• Look better to lenders and save money by qualifying for better rates and offers.
EXPERIAN CREDITMATCH***
• See credit card matches based on your FICO® Score.
• Compare your best options and make your choice.
CREDITLOCK****
• Easily lock your Experian Credit File and guard yourself against identity theft with the touch of a button.
• Prevent unauthorized credit activity with real-time alerts if someone tries to apply for credit in your name while your credit file is locked.
CREDIT MONITORING & ALERTS
• Know when your FICO® Score changes, new accounts are opened in your name or new inquiries appear
on your credit report.
• Push notifications, when enabled, will send alerts directly to your device.
BILL NEGOTIATOR*****
• Upload your bills, and we negotiate for you. If we can’t, there is no charge.
ABOUT EXPERIAN®
Experian is the first company and credit bureau to offer online credit reporting services in the U.S. We empower consumers to manage and improve their financial status, while helping protect against fraud and identity theft.
Privacy Policy: https://usa.experian.com/login/#/publicPrivacyPolicy
Terms & Conditions: https://usa.experian.com/login/#/publicTermsAndConditionsFree
*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8 or another type of credit score altogether. To learn more: https://www.experian.com
**Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.
***Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states. See experian.com for details.
****Experian CreditLock is a separate service from Security Freeze:
https://www.experian.com/freeze/center.html. To learn more about the differences between CreditLock and Security Freeze, please visit: https://www.experian.com/blogs/ask-experian/whats-the-difference-between-
freezing-or-locking-my-credit/
*****Bill Negotiator – Results may vary. Some may not receive negotiated discounts or savings. Learn more: https://www.experian.com/consumer-products/bill-negotiator.com
© 2021 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures.”
4. Credit Sesame
Here is what you can expect in addition to your monthly updated FREE credit score check:
• New! Sesame Cash – A zero-fee, first-of-its-kind mobile bank account that lets you manage your cash and credit in one app. Qualify to earn rewards like free, daily credit score refreshes.
•
Free Credit Report Card – We'll break down your credit score and show you what's impacting your credit.
•
Cash Back Offers – Earn up to 15% cash back on eligible purchases at over 5,000 retailers with Cash Back Offers from Sesame Cash.
•
Free Credit Strategy – Once you know where you stand, we'll give you a custom action plan to take control of your credit.
• Free Credit Alerts and Monitoring – Free 24/7 credit monitoring with early identity theft warnings and fraud detection
• My Borrowing Power – Get personalized recommendations for the best credit cards, mortgage rates, and refinance options.
•
Free ID Theft Protection – You're always protected with credit and ID theft protection insurance up to $1 million.
• Our Robo Credit technology helps us provide customized, tech-driven recommendations so you can make the most of your finances.
We help you answer questions such as:
-What is my credit score?
-How can I check my credit score?
-How can I better manage my credit?
1000's+ news mentions, including:
• The Wall Street Journal
• The New York Times
• NBC’s TODAY Show
• CNN Money
• CNBC
Testimonials:
“”It gives me a detailed look at my finances and makes suggestions on what I can do to make it better.”” – Adriana
“”If you are trying to buy a new house, Credit Sesame is the place to start.”” – Daniel
“”It’s like having an assistant that keeps track of credit and debt.”” – David
“”I feel so much less stress, and more optimism about our future.”” – Jesse
Subscription options
– Subscriptions are monthly.
– Sesame Pulse gives you daily credit score + monthly credit report
– Sesame Platinum gives you daily credit score + 3 Bureau report + more
– Your subscription will be charged to your credit card through your iTunes account.
– Your subscription will automatically renew unless cancelled at least 24 hours before the next renewal date.
– Manage your subscriptions in Subscription Settings after purchase.
– No subscription is necessary for general Credit Sesame app use.
For more information:
– Terms of Use: https://www.creditsesame.com/legal-docs/terms-of-use/
– Privacy Policy: https://www.creditsesame.com/legal-docs/privacy-policy/”
5. Mint: Personal Finance & Money
Mint is the free money manager and financial tracker app that brings together all of your finances. Plan ahead! From account balances and budget planners to tracking expenses and debt payments, all your money management is now in one place.
ALL YOUR MONEY IN ONE APP
Track transactions & account balances
Monitor your monthly expenses
Control spending with our money spending tracker
Receive bill reminders
Connect your cash, credit cards, loans, track investments etc with just one tap!
MONITOR YOUR CASH FLOW
Mint is your personal finance manager – it helps you track expenses, transactions, monthly budgets, account balances, subscriptions, expenses and taxes. We calculate your net worth and spending trends and help you with your budget plan. We’ll help manage subscriptions and notify you when prices go up.
SPEND SMARTER AND SAVE MONEY WITH PERSONALIZED MINTSIGHTS™
Take a deep dive into your accounts and uncover new ways to use this savings app and reach your money goals. Alerts will improve your budgeting & spending habits. Use our money tracker to get a quick view of your finances, account balances, credit score, bills and more.
BETTER BUDGETING, MONEY MANAGEMENT & EXPENSE MONITORING
Make every dollar count with our free budget app. Get a smart expense budget based on your spending on day 1. Mint provides budgeting tips & advice to help you save for your financial goals. Plus, keep tabs on your balances with our budget tracker. We’re here to make expense tracking simple.
MANAGE BILLS LIKE NEVER BEFORE
Track bills and your financial goals alongside your account balances. Get monthly bill reminders to end late fees. Plus, you can track expenses to help you reach your financial goals sooner.
STAY FOCUSED ON YOUR FINANCIAL GOALS
Set custom financial goals in our budgeting app and get actionable tips tailored to you. With our money management advice and budget calculator, you can see and celebrate your progress. Mint is your refund tracker that checks your status when you file with Turbotax.
CRYPTOCURRENCY IS NOW SUPPORTED IN MINT
If investing in crypto is part of your financial strategy you can connect your account in Mint to see your full financial portfolio. Supported by the platforms; Binance, Blockfi, Coinbase, Coinbase Pro, GEMINI, Kraken, Paypal and Robinhood.
HOME LOANS WITH ROCKET MORTGAGE AND MORE
Apply for home loans with our partner, Rocket Mortgage. We’ll pre-fill your app with Mint data so you can easily apply for a new mortgage or refinance. Plus, get money-saving offers from our partners. This includes credit cards, investment savings, loans, & more.
STAY SECURE
We’re serious about keeping your account safe and are constantly improving our security measures. See more here: https://www.mint.com/how-mint-works/security#toc
*based on all-time app downloads
FROM INTUIT INC.
Mint is part of a suite of financial tools that include TurboTax®, QuickBooks®, QuickBooks Self-Employed™, and ProConnect™.
To learn how Intuit works to protect your privacy, please visit https://security.intuit.com/index.php/privacy
By installing or using Mint, you agree to our Terms: https://mint.intuit.com/terms.
Mint currently connects to US and Canadian financial institutions only.”
6. myFICO
90% of top lenders use FICO® Scores– do you know yours? Get your FICO Score, from FICO. And don’t worry– checking your own credit will not hurt your score. Compare your FICO Scores and credit reports from all 3 bureaus—Experian, TransUnion, and Equifax—side-by-side and get the right credit score for your goal.
Although they may look the same, other credit scores can vary as much as 100 points from your FICO Score. With myFICO, you can view and monitor your FICO Scores and credit reports right from your fingertips. You'll get alerts on your Android device when changes are detected.
Features
• FICO® Scores – Check your FICO Scores while on the go, including versions used in mortgage, auto and credit card lending
• Insights – Learn how your credit history affects your FICO Scores
• FICO Score Simulator – Explore how different actions could affect your FICO Scores
• Alerts – Monitor your credit and identity
• Reports – Instantly access your credit reports and credit data
• Score History Graph – Track your FICO Score 8 over time
• Credit Education – Explore videos and educational content to learn about credit and FICO Scores
• Fast and secure login with fingerprint, face or other biometric (on supported devices) plus 2-Step Verification option
Certain features are available only with eligible myFICO subscriptions. Learn more at www.myfico.com.”
7. Credit360
Nowadays, it is essential to have a good credit score. The status of your credit rating will have a massive effect on your future financial endeavors, as it directly affects financial institutions will have in you when they lend you money. A bad credit score can mean your loans don't get approved or you don't get the loan amount that you desire.
CREDIT REPAIR SOLUTIONS & THE ROLE OF CREDIT360
Thankfully, there exist Credit360 credit repair solutions. To raise your credit score, you need to start rebuilding credit and fixing your bad credit problem, but unfortunately, it consumes a lot of time, money and effort.
This is where Credit360's Credit Repair & Credit Fix solutions come with first-class results. We are credit rebuilding experts and our dedication to your credit score repair success is seen by our results. We offer credit solutions, credit checks, reports, and credit score management tools with our all-in-one app. Whether you want to boost your personal credit or business credit rating, our app will come in extremely handy for all your needs!
CREDIT REPAIR IS LEGAL
Credit Repair is legal because of the law – The Fair Credit Reporting Act. The FCRA gives you the right to dispute any items on your credit report. 76% of all credit reports contain inaccuracies. Our services come with a Cancel Anytime Policy and Money Back Guarantee. We will also systematically dispute all of your negative items with the credits bureaus. You can track your credit repair progress 24/7 on our online portal.
A BETTER CREDIT SCORE = MORE OPPORTUNITIES FOR GROWTH
Credit360 really gives you and your business a new life – a fresh lens for financial institutions to see it from, and to make a better judgement for your creditworthiness. With more credit, you have access to more opportunities and room for growth. Why limit your personal or business growth due to credit inaccuracies?
Invest in professional credit score repair services with Credit360. We promise you won't be disappointed with us. We are Credit360 – 360° degrees of credit repair solutions.
So, what are you waiting for? Download Credit360 right now and give you or your business a new life!
If you liked Credit360 Credit Repair – Bad Credit Score Fix, we would love to see a 5-star rating from you! We thank you for using our services and hope that we continue to be of service to you in the future as well. In case of any questions or support, please contact us at customerservice@credit360.biz. We’ll be happy to help!
www.credit360.biz
8. Debit & Credit
• All Accounts in One App
Keeping financial records was always a bit of a hassle. But now you can actually enjoy it. See all your accounts in one place and switch between them with one simple touch.
• Super Fast
Creating a new transaction now takes a matter of seconds. It has never been easier with gestures and other features that we developed for you. And we will never require you to make dozens of unnecessary taps to accomplish simple tasks.
• Locations (Geotagging)
Shopping frequently at the same place? Save its location to record expenses even faster. You can also get a list of saved payees sorted by distance.
• Budgets & Scheduled Transactions
Do you want to budget expenses on a particular category? No problems. Do you plan to make a transaction in the future and want to be reminded about it? Consider it done.
• Financial Plans
Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth.
• Reports
We believe in clean, crisp reports that are easy to read and understand. See where and what do you spend your money on. Other types of reports are available too.
• iCloud Sync
We will never ask you to create an account or provide any personal details. All data is stored in iCloud, it is not available to anyone except you.
• Shared Accounts
Do you want to share some of your accounts with someone else? No problems, you can share selected accounts via iCloud while keeping other accounts private. Great for managing family finances!
• Bank reconciliation mode
Sometimes we all need extra help to keep our accounts in shape. You can easily reconcile your accounts with bank statements in the app to eliminate any disparities.
• Importing data
We know how important it is to be able to import transactions from your financial institutions. That’s why we support CSV, QIF, QMTF, OFX and QFX files. And you can also choose which particular transactions to import from a file, something that not all financial apps know how to do.
• Color Themes
Eight color themes are available for selection in the app settings in case if you want to customize your experience.
• Watch App
Create new transactions on the go with the Apple Watch app. You can also check your budgets and pay scheduled transactions with it.
• Powerful features
Split categories, pending transactions, URL schemes, file attachments, transaction tags, Siri, Touch ID and Face ID support, printing reports and saving them as PDF files – all those and many other features are at your disposal when you need them.
• Mac version of the app
You can download macOS version of the app on the Mac App Store. It has even more features and syncs fast with the iOS companion via iCloud.
Some features are limited to premium version subscribers. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at http://debitandcreditapp.com/privacy-policy-with-terms.html.
In case of any questions please don’t hesitate to contact support@debitandcreditapp.com.”
9. Credit.com
Monitor what’s impacting your score and track your improvement. With the Credit.com app, you can easily monitor where you stand, manage your credit and get personalized resources to make smarter financial decisions. Using the app won’t hurt your score and our technology team works hard to ensure that your data is secure during each step of your signup and when using your Credit.com account.
KEY FREE FEATURES:
TRACK YOUR SCORES
• Check your free credit score and look out for signs of fraud or identity theft
• Updates are made every 14 days so you can monitor your improvement
• Watch your score change over time and see what is impacting your score
BUILD YOUR CREDIT
• Understand what’s impacting your credit and learn how to build credit with a personalized action plans
• Access our interactive timeline to see how different actions could affect your target score
• Receive articles, videos and tips that are tailored to your unique credit situation
GET PERSONALIZED OFFERS
• See which credit card or loan you're most likely to qualify for— before you apply.
• Everything is personalized to your credit score and credit standing.
EXTRACREDIT PREMIUM FEATURES
ExtraCredit members unlock our premium features that take credit managing and monitoring to the next level—all in one easy-to-use app. $100 value. Cancel anytime.
• Build It – Build your credit history by reporting bills you’re already paying
• Track It – All three bureau reports: Experian, Equifax and TransUnion
• Guard It – Advanced monitoring, dark web scans, alerts & $1M ID theft insurance
• Reward It – Cashback rewards from select credit and loan offers
• Restore It – Exclusive savings with one of the leaders in credit repair. *Discounted access to a credit repair leader only available in certain areas.
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