Top credit-building apps of 2024

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3 min read Published August 09, 2024

Written by

Jennifer Gorman

Contributor

Jennifer Gorman is a freelance writer with more than a decade of experience covering personal finance and insurance topics, most recently for Assurance IQ and Credit Karma.

Edited by

Aylea Wilkins

5 Years with Bankrate 10 Years of editorial experience

Aylea Wilkins has been at Bankrate since 2019, editing content in student, personal and home equity loans and auto, home and life insurance before taking on editing content in a variety of other categories. She has nearly a decade of editorial experience with a primary focus on helping people confidently make financial and purchasing decisions by providing clear and unbiased information.

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A good credit score (670 or higher on the FICO scale) makes life easier. It helps you qualify for the credit cards and other loans you want and at better interest rates. Even if you don’t plan to borrow money, good credit can come in handy when renting an apartment or getting a new job.

If you’re among the third of Americans with poor or fair credit — or the 17% percent with no credit score at all — there are many ways to work toward a good score. One of those is to use a credit-building app.

How credit-building apps work

Credit-building apps work in various ways to help you improve your credit score. You’ll generally find four types to choose from:

Top credit building apps for iPhone and Android

Most of the top credit apps are available for iPhone and Android devices. Many also have websites that offer the same services.

Badge Best for people with limited or no credit history