8 Best Credit Score Apps of 2026

Experian is the only bureau here that gives a FICO Score on its free plan. The $0 tier needs no credit card and shows your Experian credit report next to your FICO Score 8, along with the factors that move it. Experian Boost, included on every plan, lets you add on-time payments for utilities, phone, streaming, rent and insurance to your Experian file. The paid ladder is easy to read: Core at $4.99 a month adds industry FICO Scores for mortgage, bankcard and auto lending, a FICO Score Simulator and up to $100K in identity theft insurance. Plus at $14.99 adds money tools such as Experian Cash advances of $25 to $250 and up to $500K of insurance. Premium at $24.99 adds Equifax and TransUnion reports with FICO Scores and up to $1M of insurance. The main limit is that full three-bureau coverage costs $24.99 a month, and the free plan watches only one bureau.

Intuit Credit Karma is the free pick for watching two bureaus at once. Its free credit score page says checking your scores costs $0.00 and only needs an account, and it shows both your TransUnion and Equifax scores with the factors behind them. Those scores use VantageScore 3.0, which ranges from 300 to 850, so they will not match the FICO Score a mortgage lender pulls. Credit Karma sends a notice when either score changes and uses thousands of data attributes, including 20+ versions of your credit score, to estimate Approval Odds for cards and loans. Extra tools include a free Credit Builder plan, Credit Spark for turning everyday bills into credit history, and Cards Optimizer for picking which linked card to use. The site says it is paid by third-party advertisers, so product offers sit next to your score. Our pricing check from this location could not load the page in plain HTML, so the price row is marked pending.

Capital One CreditWise gives anyone a FICO Score 8 for free, whether or not they bank with Capital One. You need to be 18 or older with a Social Security number that matches a TransUnion credit profile. Once enrolled you see your FICO Score 8 and TransUnion credit report, and CreditWise alerts you when a new inquiry, a delinquent account or another notable change appears on your TransUnion or Experian report. Dark web monitoring tells you if your Social Security number or email address turns up online, and the Credit Simulator and Life Events Simulator show how actions could move your score. The iOS and Android apps support biometric login, and Capital One says the service uses 256-bit TLS encryption. The gaps are breadth: there is no Equifax data, no full Experian report and no paid upgrade for three-bureau scores or identity theft insurance. For a free FICO Score with two-bureau alerts, it is hard to beat.

WalletHub stands out for update frequency: its free credit score page promises a score updated daily with no credit card, no trial and no commitment. The free account also includes full credit reports, 24/7 credit monitoring, a TransUnion credit report lock and a step-by-step plan for improving your score. Beyond credit, WalletHub folds in budgeting, spending insights, net worth tracking, subscription management and a debt payoff plan, so it can double as a light money app. Premium costs $7.99 per month billed annually and, per WalletHub's comparison table, supports 5 authorized users. It runs on the web, Apple and Android. Treat the rival comparisons on its page as WalletHub's own claims, and note that the score is not a FICO Score. Like most free apps here, it earns money from card and loan offers, which appear throughout the dashboards.

NerdWallet's credit score is part of a broader money app rather than the main event. When you sign up you get a free credit score and credit report information, updated weekly, with NerdWallet providing your VantageScore 3.0 from TransUnion data. NerdWallet says there is no credit card required and no cost, and checking uses a soft inquiry so it does not hurt your score. Alerts flag changes to your report, and the app explains how you are doing on the factors that influence the score most. In the same dashboard you can see cash flow, net worth, debt and upcoming payments, which is the main reason to choose it over a pure credit app. NerdWallet also suggests credit cards that fit your profile, which is how it earns money. The limits are clear: one bureau, weekly rather than daily refreshes, and a score model that lenders may not use.

TransUnion's own free account gives you data straight from the bureau. The free subscription includes daily refreshes of your TransUnion credit report and VantageScore 3.0, credit monitoring, and alerts for critical report and score changes. You also get score factor grades, recommendations on where your score could go, goals based on your credit profile and a debt-to-income analysis. A practical plus is access to the TransUnion Service Center, where you can manage a credit freeze, a dispute or a fraud alert without leaving the account. TransUnion offers mobile apps for iOS and Android and says no credit card is needed to sign up. Card offers come through Bankrate's CardMatch tool. The trade-off is scope: one bureau and a VantageScore rather than FICO. The TransUnion site blocked our plain HTML price check from this location, so the price row is marked pending.

myFICO is FICO's own consumer service and the one to pick when the exact score version matters. The free plan covers one bureau, Equifax, with FICO Score 8 updates every month and no credit card required. Basic at $19.95 a month switches to Experian coverage and adds FICO Scores for mortgages, auto loans and more, a FICO Score 8 simulator, up to $1 million identity theft insurance and 24x7 identity restoration. Advanced at $29.95 covers all three bureaus with updates every 3 months and adds identity monitoring. Premier at $39.95 covers three bureaus every month and adds a simulator for FICO Score 2 and 4, the versions used by mortgage lenders. That last feature is the reason house hunters pay. The costs are real: myFICO is the most expensive app on this list, subscriptions renew monthly, and FICO states that refunds are not available after you cancel.

Kikoff is on this list for people whose real problem is a thin or damaged credit file. Instead of only showing a score, it opens a Kikoff tradeline that it reports to Equifax, Experian and TransUnion. Basic costs $5 a month, reports a $750 tradeline, includes a weekly credit report and adds rent reporting to Equifax and TransUnion. Premium at $20 a month raises the tradeline to $2,500, adds 3-bureau credit reports and scores, and adds bill reporting and spending tracking. Ultimate at $35 a month reports a $3,500 tradeline and adds $1M identity theft insurance and personal data protection. Kikoff says sign-up takes minutes with no credit check, promises no hidden fees or interest and offers a 45 days money back guarantee. It warns that your bank may charge fees when Kikoff debits your account. Because there is no free plan, people who only want to see a score should use a free app above.