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Best Credit Monitoring Apps in 2026

Use credit monitoring apps to follow credit information with services available on the web, Android, iOS, or via an API. Options here use free, freemium, or paid pricing models.

  1. 1

    YouTube

    Free plan AndroidAPIiPhone+1

    Pick YouTube for free video discovery, channel publishing, and a large set of creator and developer tools. It is also suitable for eligible creators seeking several monetization options.

    6.9 Free plan Visit site
  2. 2

    myFICO

    by FICO
    Free plan iPhoneAndroid
    6.2 Visit site
  3. 3

    CreditWise

    by Capital One
    Free plan iPhone
    6.1 Visit site
  4. 4

    Credit.com

    by Credit.com
    Free plan
    5.9 Visit site
  5. 5

    Credit Karma

    by Credit Karma
    Free plan
    5.8 Visit site
  6. 6

    Credit Sesame

    by Credit Sesame
    Free plan
    5.8 Visit site
  7. 7

    Experian Debt Collection Software

    Free trial Web

    Experian combines collection data, account monitoring and portfolio tools, with packages that can expand from data downloads to a full system.

    5.8 Pricing on request Visit site
  8. 8

    myEquifax

    by Equifax Inc
    Free plan
    5.7 Visit site
  9. 9

    WalletHub Credit Monitoring

    by WalletHub
    Free plan Android
    5.7 Visit site
  10. 10

    IdentityIQ

    Paid Web

    IdentityIQ combines identity monitoring with restoration, insurance, and device-security features.

    5.2 From $6.99/mo Visit site
  11. 11

    Aura Credit Monitoring

    by Aura Sub, LLC
    Paid
    4.7 Visit site
  12. 12

    Aura: Security & Protection

    by AURA GET INC
    Paid
    4.6 Visit site
  13. 13

    Kikoff: Build Credit Quickly

    by Kikoff Inc.
    Paid
    4.4 Visit site
  14. 14

    ScoreSense

    by ScoreSense
    Paid
    3.7 Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

Compare whether a free plan or trial fits your needs, what paid plans cost, and which platforms you need. If reading or changing code matters, check the software licence before choosing.

Questions

Are free credit monitoring apps available?

Yes. Credit.com, Credit Karma, Credit Sesame, CreditWise, myEquifax, and myFICO offer free plans.

Can I try a credit monitoring app at no cost?

Some services provide a free trial. Check the specific service for trial terms and any post-trial charge.

What does Aura Credit Monitoring cost?

Aura's Family plan costs $32 a month, and no free plan is listed.

Which platforms do these apps support?

The listed services cover web, Android, iOS, and API access. Check the individual service for its supported platform.

Are any options freemium?

Yes. myEquifax and myFICO use a freemium pricing model and list free plans.

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