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WalletHub – Free Credit Report, Score & Monitoring

By WalletHub

This app is only available on the App Store for iOS devices.


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

Sign up for a free WalletHub account to get:
• Free credit scores, updated daily
• Customized credit-improvement tips
• Free credit reports, updated daily
• Free 24/7 credit monitoring with alerts to warn you of identity theft and fraud
• Personalized savings alerts so you can repay your debt faster and avoid overpaying on your credit cards and loans

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 may 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 (or at least a free trial) – from Credit Karma to Capital One’s Credit Wise – WalletHub is the only free credit score app to offer daily updates and a clear action plan. We’ll also give you personalized credit-improvement tips and help you maximize your savings as well as minimize your debt.

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 also 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.

Q: Can WalletHub Help Me Improve My Credit?
A: WalletHub analyzes your latest credit score and report to identify your credit 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. You can check it out on your account’s Credit Analysis page.

As your credit score improves, WalletHub will also give you personalized tips about which credit cards offer the highest approval odds and the most savings.

Q: How Does 24/7 Credit Monitoring Work?
A: WalletHub’s free credit monitoring keeps 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.

User Testimonials:
“Awesome - better than CreditKarma!” - Eric L.

“I truly do love this app and I will never, ever use another one. Thanks WalletHub!” - Tracy C.

“Very handy and useful! I use it a lot!” – Barbara B.

“I do a quick credit check on WalletHub every day. I just love to see if my credit score has changed and learn from their credit experts. It’s my new financial advisor and credit tracker all in one.” – Sean C.

“Wallet Hub guided me through the credit repair process, helping me rebuild from very bad credit to pretty good credit that’s on its way to being in mint condition. Considering all the money I’ve saved with this free personal finance app, it’s an unbelievable value.” – Danielle B.

“If you need credit help, turn to WalletHub. They know their stuff and will save you money, whether you want to build credit, rebuild credit or perfect your rating.” – Kurtis M.

What's New in Version 1.0.5

We're constantly working to make WalletHub better for you. In this release, we've included a number of improvements, bug fixes and new features. Please email us your feedback at We're listening!


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Customer Reviews

Excellent app for managing finances

When a bad situation 2 years ago resulted in my bank closing my accounts and my near perfect credit score plummeted, I decided to give one of these free credit apps a try. I chose Wallethub because of its reviews and I’m extremely pleased with that decision. The initial registration info I needed to provide was very basic and noninvasive, and as a young 20s individual who had just taken loans out for school it has been such a resource for me. The layout of the app is simple and clean, and overall it really helped me see all of my debts wholly and gave me a better picture of my finances. I love the fact that I get my credit score updated monthly and the tools they offer for discovering new card options that apply to my situation. 5/5 stars - thank you guys for helping me rebuild my credit with less stress!


I’m not the most vigilant when it comes to finances. If I’m honest, I’m outright irresponsible when it comes to money. I rarely check my bank account (as it’s generally just a diary of poor decisions and food) so you can only imagine how much attention I give to my credit.
It’s shameful really.
But thank God for wallethub sending me a notification this morning about a suspicious inquiry on my report, literally within minutes of it being filed.
I was able to be proactive and remedy what ended up being fraudulent activity before it could spiral out of control.
I’ve never felt like such an adult 🤗Responsibility isn’t as bad when it’s automated.

Great for Free

Score is FAKO, not FICO, And that can be very different from your real credit score. So don't depend on this for your score. Just use it for the daily report updates to monitor things like potential fraud, new accounts and inquiries, credit limit increases, collections added to and removed from reports, etc.

I love that they automatically update your info if you get an alert during the day when you have already loaded your report that day. That's the best thing about this app.

I don't like that they provide FAKO and that it's only Transunion. But I suppose they have to charge if they offered all that.

WalletHub – Free Credit Report, Score & Monitoring
View in iTunes
This app is designed for both iPhone and iPad
  • Free
  • Category: Finance
  • Updated:
  • Version: 1.0.5
  • Size: 27.7 MB
  • Language: English
  • Seller:

Compatibility: Requires iOS 8.3 or later. Compatible with iPhone, iPad, and iPod touch.

Customer Ratings

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