Best Credit Building Apps (February 2024) - MKS (2024)

Track & Build Your Credit

Self offers a unique approach to improving your financial health, focusing on both credit building and savings accumulation. It stands out as one of the best credit building apps by providing a Credit Builder Account, which is essentially a loan to yourself where your monthly payments are reported to credit bureaus, simultaneously boosting your credit score and savings. Upon completing the term, you access the savings, having built a credit history. This dual benefit makes it an attractive choice for individuals looking to enhance their financial standing.

Intuit Credit Karma is renowned for offering free credit building apps that allow users to access their credit scores and reports from TransUnion and Equifax at no cost. Beyond just monitoring, Credit Karma provides insights and recommendations on how to improve your credit score. It also features tools for spotting potential identity theft and personalized loan and credit card offers, making financial progress accessible without a subscription fee.

Take Control Of Your Credit

As one of the major credit reporting agencies, Experian offers an app that’s considered among the good credit building apps available today. It allows users to check their credit score for free, monitor their credit report, and offers tips for credit improvement. Experian Boost, a notable feature, gives users credit for on-time utility, telecom, and certain streaming service payments, potentially increasing their credit scores instantly.

Reports to Equifax + Experian

Kikoff is designed to help users build credit quickly and efficiently, distinguishing itself as a good credit builder app. It offers a low-cost credit line that reports to major credit bureaus, with the goal of increasing credit scores by establishing a history of on-time payments. Ideal for those new to credit or looking to rebuild, Kikoff is simple, with no interest charges or hidden fees, making it an excellent tool for credit improvement.

Credit, Budgeting & Saving App

Brigit is a comprehensive financial app that not only helps users manage their finances better but also offers a feature to build credit. As a credit building app, Brigit provides cash advances to avoid overdrafts, budgeting tools, and the Brigit Score Builder, a no-interest loan program designed to report on-time payments to credit bureaus, thus helping users increase their credit scores while managing their finances smartly.

Manage and Track Your Credit

Credit Sesame specializes in providing personalized finance advice and one of the notable credit building apps for iOS. It helps users monitor their credit score, understand the factors affecting it, and offers tailored recommendations for credit cards and loans that fit their credit profile. With Credit Sesame, users can also access identity theft protection services, making it a comprehensive tool for improving financial health on iOS devices.

Flexible payments, big savings

Affirm redefines the credit building process by offering a transparent, flexible buy now, pay over time option without hidden fees, making it one of the sought-after credit building apps for Android. By allowing users to make purchases and split payments in manageable installments, Affirm reports these on-time payments to credit bureaus, aiding in building a positive credit history while providing a seamless shopping experience.

Boost your credit with AI

Dovly is an innovative credit building app for iPhone, leveraging artificial intelligence to optimize users’ credit scores. It offers an automated credit repair engine that efficiently manages and disputes inaccuracies on credit reports, facilitating an increase in credit scores. With a user-friendly interface, Dovly simplifies the otherwise complex process of credit improvement, making it accessible and effective for iPhone users.

Build Credit for Free

Grow Credit offers a unique solution for building credit scores by using a free Mastercard that pays for subscription services like Netflix, Spotify, and phone bills, making it a versatile credit building app for iPhone and Android users. By reporting these payments to credit bureaus, Grow Credit helps users establish or improve their credit history, providing a novel approach to credit building without traditional loan products.

Credit builder + reward points

Extra is the first debit card that helps users build credit and earn reward points just like a credit card. It stands out among credit building apps for Android and iOS by offering an innovative solution where users can continue using their own money without incurring debt or interest charges. By reporting everyday purchases to credit bureaus, Extra provides a seamless way to improve credit scores while earning rewards, merging the benefits of debit and credit in one platform.