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The 7 Best Credit Monitoring Apps of 2024 (How To Choose)

Aura, Credit Karma, Credit Sesame, CreditWise by Capital One, myFICO, and IdentityForce are all popular choices, but what app is right for you?

Aura, Credit Karma, Credit Sesame, CreditWise by Capital One, myFICO, and IdentityForce are all popular choices, but what app is right for you?

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      What Can Credit Monitoring Do?

      If you’re trying to build or protect your credit score, you need to closely monitor any changes that might be harming it. Credit monitoring apps are the easiest option to both:

      1. Keep a check on your credit score. Knowing what your credit score is will help you understand how likely it is that you’ll be approved for a loan, how much you can borrow, and at what interest rate. A credit monitoring app should be able to track any swings to your credit score — based on payment history, hard inquiries, credit history, or new accounts.
      2. Detect signs of fraud in your credit report. Many forms of financial fraud can be detected on your credit report. For example, you could be alerted if a criminal is trying to use your financial information to take out a personal loan in your name. Credit monitoring apps should alert you to any such suspicious activity.

      Unfortunately, few credit monitoring apps hit the mark on both use cases, leaving you vulnerable to a sinking credit score, or worse — identity theft and fraud.

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      The 7 Best Credit Monitoring Apps for 2024

      1. Aura
      2. Credit Karma
      3. Credit Sesame
      4. CreditWise by Capital One
      5. myFICO
      6. IdentityForce
      7. Mint

      Most credit monitoring apps help you monitor your credit score on a monthly basis but are fairly limited in features when it comes to directly monitoring your credit reports.

      For instance, certain apps may monitor only one of your credit reports (rather than those from all three major credit bureaus) and alert you only about significant changes, not all of them.

      Most credit score monitoring apps won’t also help you fix the errors or remedy the after-effects of fraud — in those cases, you’ll be on your own.

      Finally, simply monitoring your credit doesn’t prevent thieves from taking out loans in your name or using your lines of credit.

      That’s why, when looking for the best credit monitoring service, we looked for apps that will:

      • Help you monitor your credit score and credit reports across all three bureaus.
      • Help you proactively protect against threats to your financial health.
      • Let you talk to a real person whenever you need assistance — day or night.
      • Be available on any device — iPhone or Android.

      Here’s our recommendations, starting with a deep dive into our own tool — Aura.

      ⛑️ Get award-winning credit protection — for free. Aura's digital security app has been rated #1 by Money.com, Forbes, Security.org, and more. Try Aura free for 14 days.

      1. Aura: Best credit monitoring app for proactive protection

      Credit monitoring is only a small part of protecting your financial well-being, credit score, and identity.

      Aura is an all-in-one intelligent safety solution that combines award-winning identity theft protection with three-bureau credit monitoring, device security features, and $1 million in insurance for eligible losses due to identity theft.

      Here’s a rundown of the key features that makes Aura the top credit monitoring app for most people:

      Credit score monitoring

      Your credit score is a critical part of your financial health and can influence the amount you’re able to borrow, the interest rate you’ll pay, and even if you qualify for a mortgage or rental property.  

      Aura lets you view your VantageScore® credit score for free every month, on any mobile device.

      VantageScore® and FICO® are the two leading models for credit scores. While they both give you similar information and will help you detect fraudulent activity, there are a few differences.

      • First, the VantageScore model was developed by the three major credit bureaus — TransUnion, Equifax, and Experian — whereas, FICO was founded by a publicly traded company [*].
      • Second, VantageScore provides you with a credit score as soon as you open a line of credit, while FICO scores require a six-month wait.

      Near real-time credit report alerts

      Credit report alerts will tell you when new accounts or inquiries are made on your credit report (that could impact your overall score or warn you of identity theft).

      The sooner you receive a credit alert, the better your chances are of shutting down scammers or disputing incorrect information.

      Aura has direct connections to all three major credit bureaus and can alert you of changes to your credit score up to 250x faster than competitors3.

      While you can get free credit reports from all three credit bureaus once per year by visiting Annualcreditreport.com, this leaves you blind to changes for the rest of the year.

      With Aura, not only will you be able to monitor your credit report year-round, but you’ll also be able to review your credit history with one of our representatives.

      Credit locks

      There are many tools you can use to protect your credit from scammers, including fraud alerts and credit freezes. But by far, the easiest is a credit lock.

      Credit locks prevent lenders from checking your credit. This means that if a criminal tries to open a new credit card or take out a loan that requires a credit check, they won’t be able to.

      Aura lets you lock and unlock your Experian credit file with one tap on any device.

      If you want to take out a loan or open a credit card, you’ll need to unlock and then relock your credit. You can lock/unlock your credit with each bureau but that requires additional accounts and fees.

      ⚡️ Aura has the fastest fraud alerts. Aura monitors your credit and can alert you to suspicious activity up to 250x faster than other services. Try Aura free for 14 days.

      Bank account, credit card, home title, and Dark Web monitoring

      It takes years to build your credit score, but only days for scammers to destroy it with access to your personal information. To protect your credit, it’s important that you also have security measures in place across all of your financial accounts.

      Aura monitors all of your financial accounts — bank, credit card, investment, etc. — for suspicious activity and alerts you of changes in near real-time.

      Aura also scans the web and Dark Web for your personal information to alert you if you’re the victim of a data breach or identity theft.

      For example, some lenders don’t perform a credit check before extending lines of credit (such as payday loans). Aura will alert you if your information has been compromised and could be used in these unsafe transactions.

      Digital and device security

      Preventing criminals from accessing your credit file is always better than dealing with the consequences of fraud.

      Here are the key Aura features that help keep you safe online:

      • A secure password manager that stores your passwords and login credentials so that they’re always available when you need them. Aura will also warn you if your passwords are too weak or were leaked in a data breach. On select online accounts, Aura can go through the entire process of resetting your password for you — with just one click.
      • Automatic data broker opt-outs. Data brokers sell your personal information to marketers and even scammers. Aura scans their databases for your contact details and requests removals on your behalf.
      • Powerful antivirus software that protects your mobile phone, tablet, and computer against malware, spyware, ransomeware, and other viruses.
      • A military-grade virtual private network (VPN) that encrypts your data so that hackers can’t spy on you or intercept your sensitive information (such as passwords or bank account numbers).
      • Safe Browsing tools that will warn you if you’re entering a phishing website that could steal your personal information.
      • Email aliases and Anti-Track to reduce the amount of information websites and online scammers can find out about you.

      24/7/365 U.S.-based Fraud Resolution Specialists

      If the worst happens, Aura’s team of White Glove Fraud Resolution specialists are available 24/7 to answer any questions you may have and walk you through the fraud recovery process. Every one of our agents is based in the U.S. and has years of experience handling fraud.

      Simple, all-in-one pricing plans

      Almost all credit monitoring apps charge a monthly fee for their services. Unfortunately, many services offer complex pricing plans that start off affordable but quickly add up if you want the best protection possible.

      Every Aura plan includes access to all features, including three-bureau credit monitoring and $1 million in identity theft insurance for every adult member.

      Here are Aura’s plans and pricing as of January 2024:

      🏁 Special offer: Use this link to save 76% on all Aura plans (includes 60-day money-back guarantee on annual plans2).

      • Individual plan: $12 per month (or $6 per month using the link above)
      • Couple plan (2 members): $22 per month (or $11.49 per month using the link above)
      • Family plan (5 adults and unlimited children): $37 per month (or $20 per month using the link above)

      Additionally, many companies will give you a discounted price in the first year to eventually hike prices on renewal. With Aura, the price of your first year is simply the price — there are no steep renewal fees.

      2. Credit Karma: Best free credit score app

      Credit Karma provides free estimates of your credit score based on information gathered from your TransUnion and Equifax credit reports.

      It also make recommendations about credit cards, loans, and more. It tells you which ones you’ll likely be approved for and how different financial decisions will affect your credit profile. Credit Karma also explains what’s affecting your credit score and how to improve it. 

      It monitors your credit report and sends you alerts for major changes. However, you can’t lock your credit through Credit Karma. 

      Its ID monitoring helps you detect if your information has been part of a data breach so you can change your passwords. However, their ID theft protection doesn’t do much more than that and they don’t advertise any fraud remediation services. 

      🎯 Related: Are Free Credit Reports Safe? How To Avoid Credit Score Scams

      3. Credit Sesame: Best self-service credit monitoring

      Credit Sesame provides you with monthly TransUnion credit score updates and shows how you score on some of the individual factors that make up your score (such as credit utilization). It provides personalized tips on how to manage your debt and ways to save on credit card interest. 

      Credit Sesame offers credit report monitoring and will alert you of changes to your report. Identity theft insurance (up to $50,000) and fraud remediation assistance are also included. 

      Credit Sesame advertises free credit monitoring. While its basic offering — credit score monitoring — is free, there are additional services that are only offered as part of Premium paid plan.

      For example, you can monitor your credit through TransUnion for free, but you’ll have to pay to monitor your credit across all three credit bureaus. You have to be a member to view its Premium packages and costs. 

      4. CreditWise by Capital One: Best credit simulator app

      CreditWise is Capital One’s solution for monitoring your credit score. You don’t have to be a member or have a Capital One credit card to sign up for CreditWise.

      You’ll have access to your VantageScore 3.0 provided by TransUnion, and get alerts for changes to your TransUnion and Experian credit reports. 

      CreditWise will monitor the Dark Web for signs that your Social Security number (SSN) and primary email address have been compromised. If it notice anything suspicious, you’ll receive an alert. 

      One of the main attractions to CreditWise is its credit score simulator. You can type in any financial decisions you’re thinking of making (such as paying down a credit card or taking out a new loan) and a simulation shows how it will affect your credit score.

      🎯 Related: LifeLock vs. Experian IdentityWorks vs. Aura: 2022 Showdown

      5. myFICO: Best app to monitor FICO scores

      myFICO is the credit score and credit monitoring app provided by the same company that gives your FICO credit score.

      In addition to being a credit monitoring service, it also offers identity theft insurance, identity restoration, and identity monitoring. 

      myFICO has three packages: Basic, Advanced, and Premier:

      • Its Basic plan includes credit monitoring from Experian only and excludes identity monitoring.
      • The Advanced package adds identity monitoring and three bureau credit monitoring. However, you’ll get updates on your FICO score every three months.
      • The only difference between the Advanced and Premier plans is that you’ll receive updates on your FICO score every month with the Premier plan (and, of course, the difference in price).

      🎯 Related: Credit Score vs. Credit Report — What's The Difference?

      6. IdentityForce: Best App to monitor TransUnion credit reports

      IdentityForce by TransUnion offers identity theft protection for individuals, families, and businesses. It provides your credit score based on the VantageScore 3.0 model and the information on your TransUnion credit report.

      If there are changes to your credit score or suspicious activity in your accounts, you'll receive notifications.

      IdentityForce offers two pricing options: UltraSecure and UltraSecure+Credit. As the name suggests, you’ll need the second option in order to monitor your credit. 

      🎯 Related: Is Credit Monitoring Worth It? How To Decide

      7. Mint: Best app for personal finance

      Note: Intuit — the owners of Mint — have announced that users will no longer have access to Mint data after March 23, 2024 [*].

      Mint by Intuit was best known for its free personal finance mobile app and daily credit monitoring. While Mint and its popular budgeting features are going away, many Mint-link features may be available inside Credit Karma (also owned by Intuit).

      Intuit recommends that users migrate to Credit Karma to continue using these Mint features:

      • Consolidate linked financial accounts in one place.
      • Review transactions and cash flow.
      • Monitor spending habits.
      • Track changes to their net worth over time.

      Which Credit Monitoring App Is Best For You?

      If you’re looking to monitor your credit health and protect against financial fraud, you’ll need more than a simple credit score monitoring app. 

      Aura offers full insight into the health of your credit and provides comprehensive identity theft protection. You’ll also enjoy simple pricing and attentive customer support.

      If you think Aura is the right fit for you, sign up for a free 14-day trial today.

      Award-winning identity theft protection with AI-powered digital security tools, 24/7 White Glove support, and more. Try Aura for free.

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