WalletHub review

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.

Who it is for

people who want daily score updates and budgeting in one app

Price

Free plan; Premium from $7.99 per month billed annually.

$7.99 per month, billed annually
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Free credit score and full credit reports with daily updates
• 24/7 credit monitoring
• TransUnion credit report lock
• Budgeting, spending insights, net worth and subscription tracking
• Premium lists up to 5 authorized users

Strengths and weaknesses

• Strength: No credit card, trial or commitment for the free plan
• Strength: Daily score updates on the free tier
• Strength: Adds budgeting and debt payoff tools in the same app
• Weakness: Score is not FICO
• Weakness: Comparison claims about rivals on its page are WalletHub's own
• Weakness: Many tools push card and loan offers

Key facts

• Free plan: Yes
• Premium: $7.99 per month billed annually
• Update frequency: Daily, per WalletHub
• Platforms: Web, Apple, Android

Where it ranks

WalletHub is No. 4 in our Best Credit Score Apps verdict.