WalletHub 17+

Credit Score, Report & Alerts


Designed for iPad

    • 4.8 • 8.3K Ratings
    • Free



WalletHub is the first app to offer 100% free credit scores, WalletScores, and full credit reports updated daily. Plus, get personalized tips for how to save money and improve both your credit score and your WalletScore. Download this award-winning app and reach top WalletFitness®.

Sign up for a free WalletHub account to get:
• 100% free credit scores, updated daily
• A clear plan for improving your credit score
• The all-new WalletScore to give you a holistic picture of your financial health
• Free credit reports, updated daily
• 24/7 credit monitoring to warn you of identity theft and fraud
• Savings alerts so you can repay your debt faster and avoid overpaying on your credit cards and loans
• Your custom-built debt payoff roadmap

2,000+ News Mentions, Including:
• The Wall Street Journal
• The New York Times
• The Washington Post
• Yahoo Finance
• MSN Money
• Forbes

Frequently Asked Questions:

Q: Is WalletHub Really Free?

A: Yes, it’s 100% free, and we’ll never even ask you for a credit card number.

Q: Will Using WalletHub Hurt My Credit?

A: Not at all. It’s only a “soft” inquiry when you check your latest credit report and score through WalletHub. So WalletHub can only help your credit as a result.

Q: Why WalletHub?

A: While there are a number of places to get a free credit score and free credit report, WalletHub is the first free credit score app to offer daily updates, a clear action plan for credit improvement, and your WalletScore. Your WalletScore gives you insight into your overall financial performance, which you won’t find on other apps that just look at your credit. We’ll also give you a personalized debt payoff plan to help you maximize your savings and get out of debt faster.

Q: What Is A WalletScore?

A: WalletScore is an innovative tool that tells you how financially healthy you are, based on your:
Credit: This category measures your creditworthiness, which impacts your ability to borrow at a good price when you need to.
Spending: This category measures your ability to comfortably pay off your expenses and debt, to ensure you are living within your means.
Emergency Preparedness: This category measures your ability to handle a financial emergency, considering your savings, insurance policies, etc.
Retirement: This category measures your ability to retire at a reasonable age with sufficient funds from your income sources, investment accounts and other assets.

Q: How Will WalletHub Save Me Money?

A: Whether you have excellent credit or bad credit, WalletHub will automatically hunt for better deals so you’ll never get taken advantage of. 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. A strong credit rating will help indirectly with potential employers and landlords, too.

Beyond your credit score, WalletHub’s WalletScore will help you save money in the long run by giving you the tools to improve your emergency preparedness, spending habits and retirement planning.

Q: 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 keeps a round-the-clock watch on your TransUnion credit report and will notify you whenever there is an important change. In addition to email alerts, you can also customize your WalletHub account to receive SMS alerts, which most credit monitoring services don’t provide. This will give you the chance to quickly confirm the accuracy of credit-report changes and, if necessary, start sorting out any problems before they really get out of hand.

What’s New

Version 1.12.7

The award-winning WalletHub app is regularly updated to help you reach top WalletFitness® with features like your free credit score, WalletScore, and credit report.

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!

Ratings and Reviews

4.8 out of 5
8.3K Ratings

8.3K Ratings

Sm@rtC00ki3 ,

Helps To Keep Me Updated on my Score

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.

Gilwilpro ,

Why I Appreciate WalletHub!

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!!!

WendyAngel915 ,

Best Company Ever!

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!!!!! 😃🙌🏻👍🏻

App Privacy

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

You Might Also Like