Best Credit Boosting Apps: All You Need to Fix Your Credit

​​Credit Strong is another trustworthy platform that helps users build credit. It offers credit builder loans and provides users with a personalized game plan so they can see their progress and better monitor their score. Credit Strong is one of the few companies that give you the option to cancel your subscription at any time without any penalty.

Credit Strong provides a FICO 8 credit score from TransUnion, which is a model 90% of lenders use when making credit decisions. If you apply for Credit Strong, you don't have to worry about your score getting affected as there is no credit check and no hard inquiries.

If you wish to subscribe to Credit Strong, there are two options to choose from. There's a Subscribe 1000 plan with a $15 monthly fee and a Subscribe 2500 plan for $30 a month. Both of these plans are affordable and bundled up with useful features.

Both plans also include the possibility to customize your payment terms to be up to 120 months and the option to cancel your membership with no penalty. They both also include a one-time, non-refundable administrative fee of $15. However, there are differences in terms of APR.

The APR for the first plan is 13.50%, while it’s significantly lower if you decide to go with the Subscribe 2500 plan: 7.75%. 

If you ever encounter any issues with your membership, you can always get in touch with the customer service team. Credit Strong offers multiple support channels. You can reach out via phone Monday to Friday from 7 a.m. until 7 p.m., or via live chat Monday to Friday from 8 a.m. until 5 p.m. CST.

In case you need help outside these hours, you can submit a message through the contact form on the site or check out its extensive FAQ page.

Pros:

• Provides a FICO 8 credit score
• Has phone and live chat support
• Low monthly payments

Cons:

• No direct support on weekends
• A higher administrative fee than most competitors

Self is a financial services provider that launched in 2015. To this day, the company has served more than 2 million customers worldwide. Self offers a great variety of features to help users improve their credit scores. One of its key features is the ability to provide users with reports from all three credit bureaus.

This helps users get an all-inclusive picture of their credit situation and allows them to work on improving their scores. Additionally, Self also offers detailed credit monitoring, allowing users to track their progress and see how well they’re doing in terms of building credit. 

When it comes to pricing plans, Self offers four tiers:

• Small Builder costs $25 a month for 24 months and has an interest rate of 14.14%.
• Medium Builder costs $35 a month for 24 months with an interest rate of 14.70%.
• Large Builder costs $48 a month for 12 months and has an interest rate of 12.44%.
• X-Large Builder costs $150 a month for 12 months with an interest rate of 14.87%. 

Self offers a variety of pricing plans to fit the needs of different users. All these plans include a one-time, non-refundable administrative fee of $9, while the APR varies from 15.65% to 15.97%, depending on the plan. And if you change your mind at some point, you can pay off and close your account early.

However, by doing that, you may not be able to establish a 12- or 24-month payment history, and you might have to pay the early withdrawal fee of up to $5.

Self offers a few different ways of contacting customer support. You can do so by phone, email, or live chat.

Read our detailed Self Credit-Builder loan review

Pros:

• Affordable administrative fees and interest
• Excellent customer support
• No deposit required

Cons:

• Approval isn’t guaranteed
• Higher APR than some other apps

myFICO is a California-based credit monitoring service that started its journey back in 2001. It offers a wide range of products, all of which are designed to help you improve your credit score. It provides FICO scores based on your Experian, TransUnion, and Equifax reports.

All myFICO plans are perfectly tailored and offer a FICO score simulator, educational resources, and unlimited access to your credit reports and scores.

myFICO offers both subscription plans and one-time reports. You can get a one-bureau credit report for $19.95, and if you wish to get a three-bureau report, you can do so for $59.85.

If you wish to go for a monthly subscription, there are three possibilities to choose from.

The Basic plan is the first option. It comes with a fee of $19.95 per month and includes:

• One-bureau coverage (Experian)
• Credit reports
• Updates each month
• FICO scores
• Scores for mortgages, auto loans, and more
• Score and credit monitoring
• $1 million identity theft insurance

Next, we have the Advanced plan, which offers all the features of the Basic plan, but with reports and scores from all three bureaus instead of one. However, unlike the previous plan, this one includes updates every three months. It also includes identity monitoring for a total monthly fee of $29.95.

The ultimate myFICO offering is the Premier plan. It's the most expensive option, with a monthly fee of $39.95, but it also comes with all the features of both previous plans, including complete three-bureau coverage with monthly updates.

To conclude, myFICO is perfect for those looking to build their credit from scratch or those who need to improve their credit score. And if you ever get stuck, the company's excellent customer service team is always there to help.

Pros:

• Advanced reporting features
• User-friendly platform
• Comprehensive reports

Cons:

• A bit expensive
• The Basic plan covers only one bureau

Ava is a credit builder that offers various features to help users improve their credit scores. It offers a credit-builder card, and a credit building savings account in one mobile app, and features that allow for tracking your progress on the go.

These include monitoring your credit score, reporting to all major credit bureaus, and providing excellent customer support. Now, let's see how each feature helps improve your credit score.

Ava's Credit Builder card lets you pay for your online recurring subscriptions, including Netflix, Spotify, and many others which keeps utilization low and helps boost your credit score.

The card comes with no fees and no interest, and its credit limit starts at $2,500. All your Ava credit card payments are reported to all three credit bureaus every month, so you can see score progress within 30 days, provided you make on-time payments.

Ava's Savings Builder tool allows you to save money and build your credit score simultaneously. With it, you can set up a savings plan and make regular deposits into your account.

You can start with as little as $21 from each paycheck and boost your credit with each payment you make on time. After 12 months, you can access your savings and use them for anything you want.

The best thing is, there is no commission to be paid on the money you save, so it's a great way to improve your credit score while also saving for your future.

SavingsMonitor is another one of Ava's key advantages. As its name suggests, SavingsMonitor keeps track of how much money you've saved over time.

The built-in AI assistant will help you find the lowest interest rates and the best loans based on your criteria. If you have any additional inquiries, you can email Ava's customer support team, and they will get back to you within 24 hours.

The pricing is pretty straightforward. The monthly subscription fee is only $9, and there are no hidden fees or interest, making it affordable for everyone.

Pros:

• Multiple products to boost your score
• Transparent and affordable pricing
• Smart refinancing

Cons:

• No free plan
• Email support only
  

Credit Karma is a service that's been around for more than a decade. In that time, it has helped millions of people boost their credit scores and sort out their finances. It is also one of the few free options on the market, and it offers a wide range of features to its users.

The Credit Score Simulator feature displays all the moves that might trigger a change in your credit score, such as receiving a credit limit increase, paying your bills late, or getting a new loan. Credit Karma also offers interactive calculators for debt repayment and mortgage refinancing that can help you plan your finances better. 

Credit Karma’s free credit monitoring tool can help you spot any inconsistencies on your credit report and take immediate steps to address them. That's right - this tool, as well as all previously mentioned ones, is completely free.

This lender also offers a free identity monitoring feature with free alerts and updates to help you spot and stop identity theft. And if you need assistance filing taxes, there is the Credit Karma Tax service, which helps you file your taxes and get the maximum refund.

While it doesn't have as many features as some other providers on our list, Credit Karma is still an excellent choice for those looking to improve their credit score. It offers a wide range of useful tools, an intuitive mobile app for both Android and iOS devices, and an in-depth help center. And best of all, it won’t cost you a dime.

Pros:

• Free credit monitoring
• Free VantageScore
• Tax Service feature

Cons:

• A lot of ads
• Offers fewer features than some competitors

Now, if you know something about credit and credit scores, you’ve almost certainly heard of Experian. Experian is one of the three main credit reporting agencies in the United States. Experian was founded in 1993 and has since helped millions of people understand how credit scores work and how they can improve them.

Experian offers a wide variety of services, including its CreditWorks program. This program is designed to help users build or rebuild their credit history. 

There are two membership plans that you can choose from if you wish to join Experian's CreditWorks: CreditWorks Basic and CreditWorks Premium. 

CreditWorks Basic is completely free and monitors Experian credit reports. It includes:

• Monthly Experian credit report & FICO score
• Score tracking
• FICO score alerts
• Experian Boost

CreditWorks Premium costs $24.99 a month and monitors credit reports from all three bureaus. This plan includes all previously mentioned assets plus:

• Daily Experian credit report & FICO score
• Additional FICO scores
• FICO score simulator
• Experian CreditLock feature
• Dark web surveillance
• Identity theft insurance of up to $1,000,000
• US-based fraud resolution specialist
• Lost wallet assistance
• Identity theft monitoring & alerts

The Premium plan also has a seven-day free trial you can use to test out all of the features before committing to a paid membership. Both of these Experian CreditWorks plans are great for people who want to actively monitor their credit score and improve their credit history.

If you need help with anything, you can always rely on Experian's customer support team. In addition to this, the company also has a very comprehensive FAQ section that can answer most of your questions.

Pros:

• Free monthly Experian credit reports
• Premium plan includes daily reports
• Free plan available

Cons:

• The free plan only provides access to one credit score
• No online cancellation

SeedFi is a fintech company that offers a range of products and services, including credit monitoring and improvement. It provides all-round plans to help customers build credit and get immediate cash whenever necessary. Once they build credit, they can access better financial opportunities and qualify for loans with lower interest rates.

All SeedFi's products are split into two main bundles: Credit Builder Prime and Borrow and Grow. Credit Builder Prime works by targeting the most important factors that contribute to your credit score and providing you with tips to improve it.

You can open an account without any credit check and start saving right away. All you need to do is provide your personal information and set the amount you wish to save each month. 

The funds will then be deposited into a high-yield savings account that you can use for other purposes. If you decide to collect your savings at one point, be aware that they will be inaccessible until you reach $500. Once you reach that goal, you can collect that $500.

The Credit Builder Prime plan is a great solution, as it comes with no interest or fees and no hidden costs of any kind. 

Borrow and Grow, on the other hand, is designed for people who need cash right away but don't want to resort to traditional loans. With this product, you can get $300 to $4,000 in immediate cash in your bank account and $650 to $4,000 in savings waiting for you to finish paying off your loan. 

All things considered, SeedFi is an excellent choice for people looking for a comprehensive solution to their credit needs. The company offers a wide range of products and services, all of which are designed to help you improve your credit score. And if you need immediate cash, SeedFi has you covered as well.

Pros:

• No origination or prepayment fees
• User-friendly platform
• Reports payments to all three major credit bureaus

Cons:

• No free trial
• No joint accounts

Credit.com is a credit monitoring and reporting company that was founded in 1996. The company offers a wide variety of services, including its Credit Report Card program. This program is designed to help users get an idea of their credit score and understand what they can do to improve it.

You can download the free app or go for the ExtraCredit option. The free version is an excellent choice for those who want to monitor their credit score and get occasional alerts.

At the same time, ExtraCredit is perfect for people who want more detailed insights into their credit history. The monthly fee for the ExtraCredit plan is $24.99 and gives you access to some extra features, including:

• All three bureau reports: Experian, Equifax, and TransUnion
• 28 FICO scores
• Credit factor report card
• Rent reporting
• Identity theft protection
• Credit cards rewards
• Discounts to credit repair services

With ExtraCredit, you’ll get an insight into 28 of your FICO scores, including your Bankcard Scores, Auto Scores, and those used by mortgage lenders. It also provides full credit reports from each credit reporting agency and updates them monthly.

It allows users to review five key score factors that may affect their credit history. These include payment history, debt usage, credit age, account mix, and credit inquiries reported to each bureau. 

In terms of customer support, Credit.com has a comprehensive FAQ section that can answer most of your questions. The company also has an in-depth blog on its website that covers numerous topics related to credit and finances.

And if that doesn't help, you can submit your inquiry through the contact form or engage in a live chat with one of the website’s chatbots.

Pros:

• Comprehensive FAQ and blog section
• Monthly updates
• Identity theft protection

Cons:

• Free plan is pretty limited
• No phone support

TransUnion is one of the three major credit bureaus in the United States, and it offers total credit protection in one place. The company's history dates back to 1968, when the Union Tank Car Company founded it as its parent holding company.

Today, TransUnion has more than 8,000 global affiliates and is dedicated to helping customers take the right actions to achieve their financial goals.

TransUnion's CreditView Dashboard is a great way to keep track of your credit score and monitor any changes to your credit report. You can also see how you compare to other TransUnion users, which is a great way to gauge where you stand. The app also offers personalized recommendations on how to improve your credit score.

In addition, TransUnion offers a wide range of products and services for both individuals and businesses. It has an A+ rating with the Better Business Bureau, so you can be sure you're in good hands.

Some of TransUnion’s standout features include credit reports, credit monitoring, fraud protection, identity theft protection, and more. The company has a long history of assisting customers with their credit inquiries, and its products are some of the most comprehensive on the market.

When it comes to pricing, TransUnion offers a variety of plans to suit your needs and budget. The company's credit monitoring service starts at $24.95 per month, with the price increasing for additional features such as fraud protection and identity theft insurance.

All things considered, TransUnion is a great solution. With it, users can access their credit score, keep track of any changes to their credit report, and receive personalized recommendations on how to improve their credit rating.

Pros:

• Offers identity theft protection
• A+ rating with the Better Business Bureau
• TransUnion instant alerts

Cons:

• Pricey for some advanced features
• No free plan