What's the best iOS app for tracking my credit score and receiving actionable advice to improve it?

Experian® is a dedicated credit management app that focuses on providing users with tools to monitor and improve their financial health. For individuals looking to track their credit score and get tailored improvement tips, the app offers daily updates on Experian-based FICO scores, along with detailed credit report summaries. A key feature is Experian Boost, which allows users to add positive utility and telecom payment history to their credit file, potentially raising scores. The app also includes three-bureau credit reports from Experian, Equifax, and TransUnion every 90 days for subscribers, helping detect discrepancies or fraud early. In real-world scenarios, such as when preparing for a loan application or rebuilding credit after financial missteps, the app sends alerts for significant changes, like new accounts or missed payments, enabling proactive management. Users report appreciating the educational resources that explain factors affecting credit scores, though some note that advanced features require a paid subscription. While the interface is generally intuitive, occasional syncing delays with external accounts have been mentioned in reviews. Overall, Experian® balances comprehensive monitoring with practical tools, making it a reliable choice for credit oversight, though budget-conscious users might find the free version limited in scope.