
7 Best Credit Improvement Apps to Boost Your Score Fast (2025 Guide)
Credit improvement apps make it easy to build or improve your credit without hiring an expert. Check those best apps below.
In the U.S., having a good credit score can open many doors. For instance, getting lower interest rates, better chances of approval for rentals, jobs, and credit cards. However, starting can be tricky. Most lenders want to see a credit history before they approve you, and you often need credit to build credit. This creates a first-step dilemma for newcomers.
A credit improvement app can help. These apps may report your payment activity to credit bureaus. Over time, good habits like paying on time and keeping debt low can help raise your score. As a result, it’s easier to access better financial opportunities.
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Get StartedHow Do Apps To Improve Credit Score Work?
Credit improvement apps help people build or fix their credit scores. They’re especially useful if you’re new to credit or have a low score. This is how they work:
- Report to Credit Bureaus - The app gives you a financial product, for instance, a small loan, secured account, or rent reporting service. Then, it reports your payment activity to the major credit bureaus (Experian, Equifax, and TransUnion).
- Make Regular Payments - You pay on time every month, either toward the loan they set up or through a subscription that mimics loan repayments. This shows lenders you can handle credit responsibly.
- Build Your Score Over Time - By paying on time and keeping your credit usage low, your score can slowly go up. This makes it easier to get approved for credit cards, loans, or better interest rates later.
Many of these apps also include credit monitoring, improvement tips, and progress tracking tools to keep you on track.
7 Top Credit Improvement Apps
1. Dovly
It is an AI-powered tool that helps you take control of your credit. It tracks and fixes issues to build and protect your credit. Once you join, Dovly’s AI checks your credit report for mistakes, wrong information, or accounts you didn’t open. It then gives you a personalized action plan. Moreover, the app has an easy dashboard and sends alerts so you can track the progress.
Free plan: Manual disputes with TransUnion + monthly VantageScore 3.0 report.
Premium plan ($39.99/month or $99.99/year): Automatic disputes with all bureaus, real-time monitoring, $2,000 credit-building tradeline, $1M identity theft insurance, and weekly score updates.
2. CoolCredit
CoolCredit is an AI-powered credit improvement app that helps you fix and improve your credit without paying for expensive third-party services. It’s a do-it-yourself platform where you can spot negative items on your credit report, use AI to create dispute letters, and track your progress in real time.
It is also known for being one of the best apps for improving credit score because of features like “Booster Plan”. It helps you build positive payment history. If you want more help, you can check the “Expert Assist” feature. The professionals review your letters or give you personal advice.
CoolCredit also gives you real-time monitoring from all three major credit bureaus (Experian, Equifax, and TransUnion). Moreover, it gives instant alerts for new inquiries or suspicious activity. You stay in full control of your credit data, without high costs or long waits.
Plans:
- Starter - Fix 5 for $75: Ideal for those beginning their credit repair journey. Dispute up to 5 negative entries.
- Essential - Fix 10 for $99: Designed to handle moderate credit damage. It removes up to 10 harmful records.
- Premium– Fix 15 for $149: Great for comprehensive cleanup. Address up to 15 problem areas in your report.
- Ultimate – Fix 20 for $199: Our complete solution for extensive credit repair—challenge up to 20 negative items with ease.
Experience smarter credit repair— Analyze, Plan, and Boost your score with AI
Boost My Score3. myFICO
myFICO is the official consumer platform of FICO®. It is used by over 90% of top lenders to review credit applications. With myFICO, you can see your actual FICO Scores from all three major credit bureaus (Experian, Equifax, and TransUnion), not just a different score model like VantageScore. These are the same scores lenders check for mortgages, car loans, credit cards, and more. Additionally, the platform includes detailed credit reports, identity theft monitoring, and score simulators. These features can be used to see how actions like paying off debt or opening a new account might affect your score.
Plans:
- Free Plan: One-bureau coverage (Equifax), monthly updates, FICO score, and credit monitoring.
- Advanced Plan – $29.95/month: 3-bureau coverage, updates every 3 months, FICO scores (including mortgage and auto loan scores), full credit reports, score & credit monitoring, identity monitoring, up to $1M identity theft insurance, and 24/7 identity restoration.
- Premier Plan – $39.95/month: Everything in the Advanced Plan, but with monthly updates instead of every 3 months.
4. Experian Boost
Experian Boost is a free tool from the Experian app. With this, you can raise your credit score by adding payment history for bills that usually don’t get reported. For example, utility bills, phone payments, and streaming services such as Netflix or Hulu.
You just connect your bank account, and Experian Boost looks for qualifying on-time payments. These payments are added to your Experian credit report. Therefore, it gives an instant boost to your FICO Score.
In Experian Boost, only positive payment history is included. Missed or late payments are not reported, so there’s no risk of lowering your score. Keep in mind, it only affects your Experian file, not Equifax or TransUnion. Still, it’s an easy, safe way to improve your score without borrowing money or opening new accounts.
5. Go Credit
Go Credit offers a credit-builder installment loan that helps you improve your credit score while also saving money. You can borrow up to $4,000 (amount depends on your state). Part of the loan is sent straight to your bank account, and the rest is put into a secured savings account you can access later. Each on-time monthly payment is reported to the major credit bureaus, helping you build credit. At the end of the loan term, you’ll get your savings portion back in usually within 15 business days. This includes the interest.
The process is fast and simple. If you apply before 1:30 pm CST, you may even get same-day funding (approval and terms vary by state).
6. Lexington Law
This credit improvement app helps fix your credit by disputing errors on your credit report. Their team is backed by lawyers. So, after signing up and sharing your reports, they contact credit bureaus or creditors to remove or correct negative items.
You can track everything in their app or online portal, which also offers credit monitoring, ID theft protection, a DebtHandler tool, and credit education. It takes time to show results. However, positive results are not guaranteed.
It costs about $139.95/month. Although many people feel the service is expensive, especially since you can dispute credit errors yourself for free.
7. Firstcard
Firstcard is a secured credit card made for students, immigrants, and anyone with little or no credit history. You don’t need a credit check or even a Social Security Number to apply. Instead, you deposit money upfront. This becomes your credit limit, and use the card like a regular credit card. Your on-time payments are reported to all three major credit bureaus, helping you build credit.
The card also offers up to 15% cashback at more than 29,000 partner stores. It gives bonus rewards through a fun “spin-the-wheel” game as well. It includes credit monitoring and, for Firstcard+ users, a high-yield savings account with up to 4.25% APY.
Plans:
- Free Plan: No monthly fee, no credit check, no SSN needed, cashback at select merchants, standard credit reporting, credit monitoring, and 24/7 support.
- Firstcard+ – $5/month: All Basic features plus up to 4.25% APY on savings, extra cashback offers, no foreign transaction fees (great for international students or travelers), premium support, and early access to new features.
Conclusion
A strong credit score and history can unlock countless financial opportunities. But the real challenge is figuring out how to build and improve it. Credit improvement apps can make this easier. Just be sure to pick one that matches your needs so you can move forward in the right direction.