Your credit score is one of the most important numbers in your financial life—it can determine whether you get approved for a loan, what interest rate you pay, and even whether you qualify for certain jobs or apartments. The good news? You don’t have to pay to monitor it.
Below are the best free credit score apps you can use in 2025 to stay in control of your financial health.
🔹 1. Sofi Credit Score & Insights
Bonus: Get $10 free when you sign up
Sofi offers one of the cleanest, easiest platforms to track your TransUnion VantageScore weekly—for free. It gives personalized tips to improve your score, and no credit card is required.
Why It’s Great:
- 100% free
- No impact on your credit
- Personalized score insights
- $10 bonus for new users
🟢 Best For: All-around credit tracking + bonuses
🔹 2. Credit Karma (Now Intuit Credit)
Credit Karma is one of the most popular free credit apps, now under the Intuit brand (maker of TurboTax). It gives you access to your TransUnion and Equifax credit scores along with real-time alerts and personalized recommendations.
Features:
- Free TransUnion & Equifax scores
- Credit monitoring & alerts
- Tools to simulate credit actions (like paying off a loan)
- No trial or payment ever
🟡 Best For: Users who want detailed credit breakdowns and alerts.
🔹 3. Experian CreditWorks / Experian App
Experian is one of the three major credit bureaus. Their app gives you your FICO Score 8 for free, which is the score most lenders actually use.
Features:
- Free monthly FICO score
- Optional paid upgrade for all 3 scores
- Identity theft monitoring
🟠 Best For: Those wanting their actual FICO Score, not just VantageScore.
🔹 4. Credit Sesame
Credit Sesame provides your TransUnion credit score along with tips to improve it. Their free plan also includes basic identity theft protection and personalized loan/credit card offers based on your credit profile.
Features:
- Free score + credit monitoring
- Identity theft insurance up to $50,000 (free plan)
- Real-time alerts and credit tips
🛡️ Best For: Budget-conscious users who want some identity protection.
🔹 5. Chase Credit Journey (Available to Everyone)
Even if you’re not a Chase customer, you can sign up for Chase Credit Journey and monitor your credit score for free. They use TransUnion VantageScore, with weekly updates.
Features:
- Free score updates weekly
- Score simulator tools
- Email alerts for changes
🔵 Best For: Non-customers who still want bank-level credit tools.
🔹 6. Mint (by Intuit)
Mint is known as a budgeting app, but it also gives you access to your credit score and history. It pulls your TransUnion VantageScore and provides some basic improvement tips.
Features:
- Free score tracking within the budgeting app
- Alerts for major changes
- Credit usage visualizations
💸 Best For: Users who want budgeting + credit tracking in one app.
🔹 7. Discover Credit Scorecard
You don’t need a Discover card to use this tool. Anyone can sign up to view their FICO Score from Experian for free.
Features:
- Free monthly FICO Score from Experian
- No account or card needed
- Secure and minimal setup
🟣 Best For: FICO Score tracking without being a cardholder.
🔚 Final Thoughts
You don’t need to pay to stay on top of your credit score. These free apps let you monitor, improve, and protect your credit without ever opening your wallet.
🔥 Our Top Picks:
- Best Overall: Sofi Credit Score & $10 Bonus
- Best for FICO Score: Experian or Discover
- Best for Beginners: Credit Karma
🛠️ Pro Tips to Boost Your Score:
- Keep credit utilization below 30%
- Pay all bills on time (even $5 late can hurt!)
- Don’t close old accounts unless absolutely necessary
- Limit hard inquiries
📣 Want to Start Now?
👉 Sign up for Sofi and get $10 to check your score
(No strings. Just better credit.)
