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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.


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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


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

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