Home > Credit Score > Boost Your Credit Score: 7 Helpful Apps

Comments 2 Comments

Maintaining a healthy credit score requires a good bit of focus, determination and hard work. There’s a lot to keep up with: We need to pay our bills on time, reduce debt and maintain a low debt-to-credit ratio, among other requirements—all to ensure a top-notch score. We can use all the help we can get! To that end, here are 7 mobile phone applications that can help keep your credit building on track.

Credit.com

Check out Credit.com’s iPhone app, which provides you access to a Credit.com account, including two free credit scores, an explanation of why they are what are, what you can do to help them, and other articles and tools that you’ll find useful.

myFICO

FICO charges $20 to provide you with your exact credit score, but the myFICO app is a free tool that estimates your FICO score range (for example, 775-825). The app—made by the developer of the most widely-used credit score—works on the iPhone, iPad and iPod Touch. It determines your approximate credit score after asking you 10 questions, including: “how many credit cards do you have,” “how long ago did you get your first loan,” “when did you last miss a credit card payment,” and “how many of your loans and/or credit cards currently have a balance?” I recently used the app—knowing my actual FICO score—and the estimation was correct.

Cost: Free

CreditScore.com Mobile App

With this app you’ll receive reminders on how to effectively manage and boost your credit score on the go. It is compatible with the iPhone, iPod Touch and iPad.

Cost: Free

Equifax Mobile

Protecting your credit score means protecting your identity. This app from one of the leading credit reporting agencies helps to safeguard both your credit and identity. Using your GPS location, the app lets you see the frequency of identity fraud in your area and how your credit stands against others in your area.  If your area has a “high” fraud index, you may be more cautious about swiping your debit card at a foreign ATM. The app works for iPhone, iPod Touch, iPad and Android users.

Cost: Free.

Debt Reduction Calculate

Thirty percent of your credit score is based on the ratio of your debt to available credit (your credit utilization ratio). Bottom line: the less debt you carry, the better it is for your credit score. This app calculates how much money you’ll save by paying more than just the minimum on your credit cards and how quickly you’ll be out of debt by putting more toward your balances. Sometimes you just have to see it to believe it! Works on the iPhone, iPod Touch and iPad.

Cost: Free

 

Pageonce Personal Finance

This app lets you monitor your bills and other financial accounts. Get important real-time alerts and reminders about your accounts. Compatible with the iPhone, iPod Touch and iPad, as well as Android phones.

Cost: Free

BillTracker

Thirty-five percent of your credit score depends on your payment history. Paying your bills on time is a part of that. This app helps you manage all your monthly bills on the go to ensure you never forget when a payment is due. From your cable bill to your mortgage, see when your bills are due, track your payment history and account information. The app works with the iPhone, iPod touch, and iPad.

Cost: $1.99

Pay Off Debt

Keep a constant watch on your debt and pay it down using the so-called debt “snowball” effect where you attack the debt with the lowest balance first, while making minimum payments on your other debts. The idea behind the plan is that you get motivated when that first balance disappears, and you’ll be eager to move onto the next, higher balance.  The app works with the iPhone, iPod touch, iPad and Android phones.

Cost: $2.99m

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team