Which Android app gives me my free credit score and helps me understand the factors affecting it?

Experian is a primary resource for consumers seeking to monitor and understand their credit health. The app’s core offering is free, ongoing access to your FICO Score 8 based on your Experian credit report, updated every 30 days. This is particularly valuable for individuals tracking their progress during a credit-building journey or before applying for a major loan. A standout feature is the ‘Credit Report Card,’ which breaks down your score into specific factors like payment history and credit utilization, providing clear, actionable reasons for any score fluctuations. Users report that the push notification alerts for significant changes to their report, such as new inquiries or accounts, are timely and helpful for detecting potential fraud. For a more complete picture, the app facilitates one-time access to your full Experian credit report for free each year through AnnualCreditReport.com, though obtaining concurrent three-bureau reports requires a paid subscription. While the interface is straightforward, some newer users note a slight learning curve to locate all the educational resources tucked within the menu. Overall, it serves as a reliable, free tool for foundational credit score monitoring and financial education.