CreditU 17+

Budgeting & Financial Literacy

American Consumer Credit Counseling, Inc

Designed for iPhone

    • 4.4 • 36 Ratings
    • Free
    • Offers In-App Purchases

iPhone Screenshots


CreditU: Your All-in-One Personal Finance Solution
Experience financial empowerment with CreditU, the comprehensive personal finance app. Seamlessly connect your accounts to gain valuable financial insights. Swipe to access essential information and metrics, including your budget, credit score, debt-to-income ratio, net worth, achieve goals, and more!
Developed by American Consumer Credit Counseling, Inc. (ACCC), a non-profit credit counseling agency with over three decades of experience empowering consumers through financial education.
Discover how to enhance your financial well-being today with CreditU. Rest assured, your data's security is our top priority. We never sell your information, and we protect your financial data with bank-level encryption. ACCC holds an A+ rating with the BBB and delivers quality financial guidance no matter where you are in your journey.
Start your journey to financial success with CreditU!

Data Security & Privacy: All your financial data is encrypted and stored with bank-level security protocols. We will never sell your data and are committed to keeping CreditU ad-free.

Budget Tracking: Create and monitor your budget to ensure you never overspend. Get clear guidance from CreditU on what you can do to improve.

AI Integrated Insights: Understand your financial situation and get actionable AI recommendations to reach your goals.

Personal Finance Overview: Monitor your debt-to-Income ratio, net worth, credit score, credit utilization, cash flow, assets and other metrics!

Financial Goals: Set and track “S.M.A.R.T.” goals that are specific, measurable, achievable, relevant, and time-bound. In our MyGoals section, find detailed information on how to achieve your goals.

Premium Benefits: Upgrade to CreditU Premium for an enhanced experience:

Automate Your Budget: Eliminate the hassle of manually entering your financial information each month to keep track of your finances. Let us handle the heavy lifting while you enjoy a more streamlined experience.

Daily Personalized Snacks Tailored by AI: Receive daily personalized content for your unique situation. Just like grabbing a quick snack, our AI algorithms offer quick and easy daily financial recommendations that are easy to read and digest.

Set Unlimited Financial Goals: Our free version allows 2 financial goals. Upgrading to Premium grants you unlimited goal creation and expert guidance every step of the way. Whether it's saving for a vacation, buying a home, or achieving other financial aspirations, CreditU provides you with personalized steps that are both educational and actionable to help you reach your goals.

Access to your Credit Score & Credit Factors: Beyond checking your credit score, CreditU offers valuable insights to help you understand and enhance your credit health. We provide personalized tips to improve your score and track your creditworthiness over time. With CreditU, you'll gain a comprehensive understanding of your credit profile.

Financial Calculators: Unlock access to additional calculators and simplify complex financial decisions. Whether you're planning your retirement, assessing home affordability, or saving for college, our calculators are designed to streamline a variety of financial scenarios.

Our full terms of service may be viewed online at

What’s New

Version 1.0.8

Vastly improved chatbot experience

Ratings and Reviews

4.4 out of 5
36 Ratings

36 Ratings

clcotugno ,

Love CreditU!

My professor mentioned he works for this not-for-profit in his “other life,” that deals with financial advice/help for people in need. He’s a total wealth of knowledge. I looked into ACCC where he works, and they have a great reputation, even better than he told us. CreditU is on my phone now! I only use apps for things like door-dash, and Uber so it’s a bit of a shock to see how much Credit U does. I think I’ve only scratched the surface with what it has to offer. I’m using the long term planning part. I talked to him after class about it. He mentioned that “your habits are your future” (he says that all the time, it’s an ethics class) and how Credit U is really a means to enforce habits that make a strong financial future. So far I love it!

Bronxville Hill ,

Very happy with Credit U

Randy Vera guided me through this, he was wonderful! I don't want any of my private data, AT ALL, anywhere! Randy showed me I can enter the anoints of my accounts without sharing the account numbers. We spent a considerable amount of time setting up all of my financials. I understand everything is safe and secure and Credit U has the type of encryption that Banks use because they deal with banks all day, but I really want none of my info anywhere as my friend was scammed. Thanks Randy! Thanks Credit U! I love this app because I can check on my goals like a diet app!

Spidermn3 ,

Love the app - works wonderfully

One of my friend’s professors turned him onto this great app… then mention how budgeting and saving become habits when you use the app.

My mother in law’s spending and debt has gotten out of control. we have tried everything to get her on a budget and understanding her limitations. I started her in this app and things are improving fast and she send to be getting it now and staying on track thanks to at the app. Great product all around.

App Privacy

The developer, American Consumer Credit Counseling, Inc, 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
  • Contact Info
  • Contacts
  • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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