Your credit score impacts which financial products you will be qualified for and how much you’ll pay to use these products. Given this, it’s important that you keep track of your credit score. Fortunately, it’s not too difficult to do this – there are a number of credit score tracking sites that let you monitor your score in real-time. Some of these sites are free, while others are paid. Here are our top picks of credit tracking apps.
CreditSesame
This free credit tracking service helps you monitor your credit score in real-time. You also get to manage your loans and credit in one place.
Experian
You can check your credit report for free through Experian – the best part about this site is that you get to view a refreshed copy of your credit report once every 30 days.
TransUnion
This company offers unlimited updates to credit scores and reports generated by TransUnion. You can also monitor all 3 of your credit reports every day, and you get email alerts if your report registers any critical changes. You can access TransUnion’s credit tracking services for free for a 7-day trial period, after which you will need to pay $19.95 per month.
CreditKarma
The best part about using CreditKarma is that you get easy access to read credit reports and personalized score insights – for free!
MyLendingTree
MyLendingTree helps you access a number of its resources for free. Individuals who have poor credit scores can also apply for loans through the website. The best part is that there are zero upfront fees.
Do You Need to Use a Credit Tracking Service?
Yes, everyone should make use of free credit score tracking services. If you are actively working on rebuilding your credit score, looking to apply for an auto or mortgage loan in the near future, or your personal information has recently been compromised, you should, ideally, use a paid credit tracking service.
Paid credit tracking services send you real-time alerts when any changes have been made to your credit reports and regular updates of your credit score. This helps you take the right steps to improve your credit.