WalletHub is the first app to offer 100% free credit scores, WalletScores, and full credit reports updated daily. Plus, get access to best-in-class budgeting tools and a personalized plan to improve your credit score, pay off your debt, and save money. Download this award-winning app and reach top WalletFitness®.
Sign up for a free WalletHub account to get:
• Credit scores, updated daily
• Clear plan for improving your credit score
• Personalized budget
• Spending tracker
• WalletScore for a full picture of your financial health
• Credit card recommendations
• Loan recommendations s
• Full credit reports, updated daily
• 24/7 credit monitoring to warn you of identity theft and fraud
• Savings alerts so you can avoid overpaying
• Debt payoff roadmap
• Net-worth tracker
10,000+ News Mentions:
• The Wall Street Journal
• The New York Times
• The Washington Post
• CNBC
• Yahoo Finance
• MSN Money
• USA TODAY
• Reuters
• Fox News
• Many more
Frequently Asked Questions:
Q: Will Using WalletHub Hurt My Credit?
A: Not at all. Checking your credit via WalletHub creates a “soft” inquiry that does not affect your credit score in any way.
Q: Why WalletHub?
A: People love WalletHub for three main reasons: 1) we always put our customers first; 2) we make the complex simple; and 3) we offer a number of features that competitors lack, including our proprietary WalletScore and the combination of credit, budgeting, and identity theft protection tools all in one place.
Q: What Is A WalletScore?
A: WalletScore is an innovative tool that tells you how financially healthy you are, based on your:
Credit: Your creditworthiness impacts your ability to borrow at a good price when you need to.
Spending: Your ability to live within your means is key to your financial health.
Emergency Preparedness: You need to be able to handle a financial emergency with your savings, insurance policies, etc.
Retirement: Can you retire at a reasonable age with sufficient funds?
Q: How Will WalletHub Save Me Money?
A: WalletHub automatically hunts for better deals on financial products so that you can save money every day. And if your credit isn’t perfect, we’ll help you improve it, enabling you to save thousands each year on your credit cards, mortgage, auto loan, student loan, car insurance, and more.
Beyond your credit score, the WalletScore and net-worth tracker will help you improve your overall financial health. Our budgeting tools and spending insights also ensure your money is used for the things that matter the most.
Q: What Budgeting Methods Work on WalletHub?
You can use any major budgeting strategy on WalletHub, from envelope budgeting to zero-based budgeting. The great thing about budgeting on WalletHub is that you can customize things to your preferences and easily switch between budgeting methods without losing any customizations.
Q: How Can WalletHub Help Me Improve My Credit?
A: WalletHub analyzes your latest credit score and report to identify your financial strengths and weaknesses. We then run a number of simulations to determine how different actions will impact your credit standing. Finally, we present you with a customized credit-improvement plan, along with a comprehensive credit scorecard.
Q: How Does 24/7 Credit Monitoring Work?
A: WalletHub’s free credit monitoring will notify you whenever there is an important change on your TransUnion credit report. In addition to email alerts, you can also customize your WalletHub account to send SMS alerts, which most services don’t provide.
Q: Is WalletHub a Good Mint Replacement for Budgeting?
Yes, WalletHub provides all the features people love about Mint plus more, so give it a try and let us know what you think!
As I said, you won’t find another site that gives you daily updates for free. TransUnion themselves offers that for $20 or so a month, it’s free here, and it updates not just your score but the report data as well, and breaks it all down for you pretty well/gives a summary of what you’re doing well and what you can improve on, and generally is a decent resource for every bit of data one has in their credit report. They also help you find and sort cards that are a decent match for your credit score and based on the type of card. It’s one of 3 must have credit apps for me, and for most would be fine as their only/primary credit score resource. The app works well/quickly/smoothly unlike Credit sesame who used to offer daily updates too, but credit sesame is complete trash now and not worth the space on your phone/time it takes to load the site. Credit karma was the hands down best, & still has the best app & website experience in my opinion & the benefit of giving both TransUnion and Equifax scores, it updates weekly. Free Credit Score dot com has an app too, they were bought by Experian & it’s now free & gives you your actual Experian FICO score, that’s the only real free online FICO score I think, definitely for Experian at least. Anyhow so I use Credit karma for TransUnion & equifax, & free Credit score/Experian app for Experian scores, & WalletHub for daily updates, and that has me covered for all 3 Credit buereau’s, you can’t really ask for much more.
Helps To Keep Me Updated on my Score
Sm@rtC00ki3
There are no changes to the review I previously wrote(see below). I’m looking forward to how the app communicates the change to the FICO scoring model impacts an individual. Hopefully they are prepared because scores may decrease for some and increase for others. Regardless, I anticipate this app to continue with its stellar performance. I love this app! I cannot speak to the accuracy of the score when it comes to how different lenders will grade you, but at the very least you get an understanding of your strengths and weaknesses. For me, I have been battling to get my credit utilization under control, which I would have not thought about until using this app. The report analysis gives you enough corrective suggestion, if you receive a low grade, to develop a plan to course correct your credit behaviors. Not to mention there are alerts that describe when items added, or removed, as well as, credit limit changes. This is better than checking your credit report annually, which is still something you want to obtain so you can see your payment history and other pertinent data related to your credit file. Again, I love this app!!!!
Developer Response
Thank you for your feedback! We'd love to keep you updated with our newest features before we release them to the public. If you're interested, please email us at vip@wallethub.com.
Why I Appreciate WalletHub!
Gilwilpro
I feel what WalletHub does is provide a real world interpretation of what is happening with my credit. Unfortunately, their assessments are limited by what the three main bureaus provide. Those scores are not necessarily up to date. And because of that, what you see is not an absolute representation of where you actually are. In other words, it’s a glorified guess! Armed with that understanding, I believe WalletHub considers that and give a score that best represents where you are. When I learned that the three bureaus are actually owned by the companies that grant you credit... What’s wrong with that picture? It allows them to charge interest rates that are governed by your credit score, by the very bureaus they own. I don’t know who owns WalletHub, but hats off to them. I appreciate what they do! I love how they show me how I compare with others in my age and income groups. That alone helps you to appreciate that whatever steps you are taking to improve your credit, gives you a sense of where you are. I only wish they would grab another bureau or two to add to those score comparisons. Otherwise, bravo!I gave them 4 stars because their scoring is tied to forces beyond their ability to control. Once they become a principal bureau, and control their ability to score based upon their ideology...I will give them 5 stars!!!
Best Company Ever!
WendyAngel915
I am a subscriber to every single credit reporting agency. Have been for years. I’m a stickler about my excellent credit and like to stay on top of it. I have NEVER had a late payment. So....one day I get a notification from Wallet Hub. It says it notices I have a credit card that is missing a monthly payment. I was like hmmmm...I don’t think so, but I clicked the provided link and it told me exactly which credit card. Upon my investigation I did in fact forget to make my payment. I immediately called my credit card company and told them I guess doe to the hectic holidays I just overlooked it. They reversed the late fee and said they understood and the important thing is that it was only a day or two late. Important!: did any of the other credit reporting apps bring this to my attention? NO! Which in all honesty is something I didn’t expect. This situation could have turned out a lot worse if it was not for Wallet Hub swiftly bringing this oversight to my attention. Talk about an amazing feature???!!!! Love it!!!! Thanks guys for making Wallet Hub the absolute best at monitoring credit!!!!! 😃🙌🏻👍🏻
The award-winning WalletHub app is regularly updated to help you reach top WalletFitness®, and it includes your free credit score, WalletScore, and credit report, along with budgeting tools and a net-worth tracker. In this version, we've included a number of improvements, bug fixes, and new features. Please email us your feedback at help@wallethub.com. We're listening!
Version 2.0.0
The developer, WalletHub, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Search History
Browsing History
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Evolution Finance, Inc.
Size
104.1 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPad Requires iPadOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English
Age Rating
18+
18+
This app has an age rating of 18+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
