4 Mobile Apps for Managing Your Credit

Man holding a smartphone and credit card
Photo: © Sawayasu Keith Tsuji

Many credit management apps have come and gone over the years, but these four apps have proven to be reliable mobile options for tracking and improving your credit score.

Credit Karma

The Credit Karma app has some helpful tools to help manage your credit, and they’re all available for free. You can access your credit score and report, and receive credit and identity monitoring alerts. You also receive details about factors affecting your credit score, suggestions to improve your credit score, and recommendations for credit products that can help you save money.


It’s important to note that the information provided is based on your TransUnion and Equifax report information, and the credit score is not a FICO score.

Other features of the app that aren't directly related to your credit but are helpful in overall financial management include free tax filing, the ability to search unclaimed money, and a savings account. You can open a Credit Karma Savings account quickly in the app and start earning a high-yield interest rate.

Cost: Free

Platform: Android, iOS, Online

Credit Sesame

Credit Sesame is another free credit score app. This one provides a monthly Experian credit score and credit monitoring, summarizes your monthly debt payments, and lists your total debt balances.

Compared to Credit Karma’s app, Credit Sesame’s features and functionality are limited. However, it does have some tools for homeowners, such as a home value estimate calculator and real-time savings advice on home loans.


Keep in mind the credit score you receive through Credit Sesame is not a FICO score.

Cost: Free

Platform: Android, iOS, Online

Debt Planner & Calculator with Banking Ledger

The Debt Planner and Calculator app by KickingLettuce Studios lets you organize and plan your debts and most importantly tells you how long will take you to get out of debt based on details about your debt and payment amounts. The app also now allows you to add your bank accounts and manage your banking ledgers.

The basic version of the app supports six debts, and it calculates debt repayment based based on four different strategies. For a one-time in-app purchase of $1.99, you can track unlimited debts, add unlimited bank accounts, access custom monthly payments, and turn off ads.

Cost: Free; $1.99 in-app purchase

Platform: Android

Mint: Personal Finance & Money

Intuit's Mint mobile app is does a lot more than credit management since it's more of an overall personal finance app. The app pulls your banking and credit card transactions and categorizes them so you can quickly and easily see where you’re spending money. You can receive bill reminders, spending and balance alerts, and notifications of bank fees.


Mint only reads your account information; the app can’t make transactions or move money from your account.

Cost: Free

Platform: Android, iOS, Online, Windows

Frequently Asked Questions (FAQs)

How do credit monitoring services work?

You can customize these credit monitoring apps to fit your needs, but in general, they work by performing soft checks on your credit score on a regular basis. Depending on your settings, you may get notifications when something notable happens on your credit report, such as a change to your credit score or unusual spending activity.

How do you cancel a credit monitoring service?

Canceling your account with a credit monitoring app is usually as easy as finding the "cancel" button in your account settings. In some cases, you may have to use the website to cancel your membership. If you can't find the online form to use, then you can call customer service and speak with a representative.

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  1. Google Play. "Credit Karma - Free Credit Scores & Reports."

  2. Apple. "App Store Preview: Credit Karma."

  3. Credit Sesame. "Credit Sesame Wherever You Go."

  4. Google Play. "Debt Planner & Calculator With Banking Ledger."

  5. Apple. "Mint: Personal Finance & Money."

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