Are Credit Score Apps Safe?

Written by Banks Editorial Team
2 min. read
Written by Banks Editorial Team
2 min. read

Are credit score apps safe? This is a common question that many people ask before they begin monitoring their credit scores online. Generally, a credit score influences your chances of securing a loan as well as the interest rates imposed by lenders when you have a debt. This means that credit score affects your major purchase choices – your house, your car, or even your education. It is, therefore, necessary to frequently monitor your credit score while also taking key steps to ensure that it is improved. This can be achieved by using a safe credit score app with reliable features. We recommend utilizing the below tool to check your credit score:

Credit Score Apps

Experian Boost is a free service that allows you to add eligible, on-time payments to your credit report, potentially increasing your credit score.

Which Credit Score Apps Are Safe?

Ok, so are credit score apps safe? Several lenders and creditors urge you to frequently monitor your scores free of charge. Depending on the type of credit card used, one is able to view their scores every month. Banking institutions may even email their customers to view their credit scores online, some of which are educational scores while others are FICO scores. Some of the best credit score apps use iOS and Android, and because of their safety, you are encouraged to use them frequently.

Still unsure if credit score apps are safe? The safest credit score apps are those accessed through reliable and credible sources. Since the passage of the Fair and Accurate Credit Transactions (FACTS) in 2013, consumers have been able to use the site AnnualCreditReport.com to monitor their credit scores. The app is considered secure and has an SSL encryption. Several creditors and lenders have also come up with credit score apps over the years to help customers manage their credit scores. The three credit bureau agencies – Experian.com, Equifax.com, and TransUnion.com have safe credit score apps with well-maintained security features, although some of the apps do not offer free credit reports.

To get more information on the security and safety of credit score apps, you can contact the three major credit bureaus (Equifax®, Experian®, and TransUnion®) or you can sign up for an online tool to check, monitor and improve your credit score.

Credit Score Apps

Experian Boost is a free service that allows you to add eligible, on-time payments to your credit report, potentially increasing your credit score.

Which popular credit score apps are safe? With the knowledge that credit score apps from trusted sources are safe and secure, it is important to highlight the key credit score apps that are commonly used. Credit Karma is one of the most popular credit score apps used by many people. With the app, you can easily create an account even without sharing your credit card numbers. In addition, you have the opportunity to update your scores weekly via a “soft pull” to ensure that the credit score is not impacted in any way.

The Experian app is also a commonly used credit score app, which uses the Experian credit rating model. The app offers free credit serves which are available on Android and iOS. Users are able to get their credit scores updates every month. Another commonly used and safe app is Mint, which offers helpful personal finance services. Users of the app are able to check their accounts as well as financial details including credit scores. Since these three apps are offered by reliable lenders, they are considered the most secure.

Thus, the answer to our question “are credit score apps safe?” is a YES. As long as you protect your personal information and only use credible websites, you will be able to access these apps safely.

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