The Best Apps to Improve Credit Score
There are a lot of and for good reason. Your credit score is a reflection of your financial history and stability and is used by banks, insurance agencies, rental agencies, and other institutions to determine your ability to pay your bills and debt. If your credit report has taken a lot of hits and your credit score is lower than you like, you might be interested in the best .
What Apps Can You Use to Improve Your Credit Score?
There are a variety of apps that can help you monitor your credit reports and improve your credit score.
|Lock & Alert from Equifax
|The Lock & Alert app from Equifax can help you protect against identity theft and fraud because it lets you lock and unlock your Equifax credit report. You get alerts every time the account is locked/unlocked, which means you'll know if someone else is accessing your account. While a credit lock is not the same and is not as secure as a credit freeze, it is easier to turn on and off and does offer some protection. This app only locks your Equifax credit report.
|The Experian app helps you track your Experian credit report and FICO score. It gives you an automatic update every 30 days, so you can continuously monitor your report. It can alert you to changes in your report, changes in your credit score, and even offers suggested credit cards.
Cost: Free. However, some features require a paid Experian account.
|The third credit bureau, TransUnion, offers an app that allows you to continuously check your credit score and credit report. The app offers instant alerts if there are changes, and you can use the Credit Lock Plus feature, which enables you to lock your TransUnion credit report. This feature helps you protect yourself against fraud and identity theft. There are financial tools that allow you to calculate the debt-to-income ratio and view public records, so you can get a good overview of your financial position.
Cost: Free for the app, but requires a paid TransUnion credit monitoring account
|This app lets you access your entire credit profile, including your credit score. It shows you where you stand in comparison to peers, how your score has changed, and why. You will also receive credit information, money-saving tips, and other information tailored to your score.
|Your FICO score is the most commonly used credit score, and this app allows you to monitor that score, as well as your credit reports. The app also provides a FICO Score Simulator, where you can see how your score could potentially change based on taking different actions.
Cost: Free for the app, but $20+ depending on the services you choose.
|Credit Karma pulls from two credit bureaus. You get access to TransUnion and Equifax consumer scores, which are based on VantageScore 3.0. The app will show you the actions that have contributed to your credit scores such as debt collections, payment history, and hard inquiries. You can review everything, and even dispute some things from the app. Credit Karma makes recommendations on actions you can take to potentially increase your credit score, as well as credit and loan offers. These offers are often partners/sponsored.
|The Self app is designed to help you track and build your credit. It may be particularly useful for individuals trying to establish credit or repair their credit reports. There are one- and two-year loan terms, but you do not get the money upfront like a traditional loan. Instead, the amount is deposited into a CD. You make regular payments on the loan, and then get access to the money (minus fees and interest). Self does not do a hard inquiry to open an account, so there is no negative impact on your credit report for opening the loan. Your payments are reported to the three credit bureaus, which will help build your credit. You also get free access to credit monitoring and your VantageScore, so you can keep an eye on your credit report progress.
Cost: Free, but requires a loan repayment of at least $25/month
How to Use Apps to Improve Your Credit Score
Using one or more apps to monitor your credit reports and attempt to improve your credit score can be beneficial.
- Download the desired app(s) from Google Play or iTunes store
- Create an account and sign up for any additional features that you want/need
- Check each app regularly to check for changes and updates
- Use the simulators and consider the app suggestions for improving your credit score.
Since each app offers different features, it can be useful to access each of them. But that means you may need to use several apps, which can be a bit of a hassle. You'll have to remember different account login and password information, remember which apps have which features, and potentially pay for a variety of features in the different apps.
What Can You Do If You Are Not Successful Using Apps to Improve Your Credit Score?
If you are using one or more apps, but do not see any noticeable improvements in your credit score, you have other options. You can try filing disputes, but this can be intimidating or time-consuming. You can pay for a financial advisor or credit repair agency to help you, but these options can also be time-consuming and may be costly. While it can be frustrating to try to improve your credit score yourself, there is an alternative solution.
Don't Just Use Apps to Improve Credit Score: Let DoNotPay Help You!
Cleaning up your credit report and improving your credit score can take a lot of time, energy, and maybe even money if you try to do it all yourself. Or, you can trust DoNotPay to help you.
How to clean up your credit report using DoNotPay:
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as a reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!
Why Should You Use DoNotPay?
DoNotPay is fast, easy, and successful! You could spend a lot of time and energy monitoring multiple apps, trying to understand their recommendations, and maybe even following their tips - but that means you'll likely be filing disputes, writing letters, and making phone calls. Or, you can let DoNotPay take the stress out of the process. We make it simple because you just need to give us some basic information, and we can handle the disputes and letters for you to help clean up your credit. Let DoNotPay take care of the process, so you can stop worrying about your credit.
DoNotPay Can Help You Repair Your Credit in Many Ways
DoNotPay can help you improve your credit score through many means:
- Dispute Credit Report
- Write Debt Validation Letters
- Remove Collections
- Write Credit Dispute Letters
- Remove Late Payments
- Remove Inquiries
What Else Can DoNotPay Do For You?
In addition to helping you repair your credit and boost your credit score, DoNotPay can help you with a variety of other issues, including:
Whatever your questions or concerns, DoNotPay has solutions!