WalletHub: Credit & Budgeting

Take control of your finances with a comprehensive credit and budgeting app that puts your financial health in one place. WalletHub: Credit & Budgeting gives you daily-updated credit scores and full credit reports at no cost, plus tools to track spending, manage debt, and build savings.

Monitor your overall financial health with WalletScore, an innovative metric that measures your creditworthiness, spending habits, emergency preparedness, and retirement readiness. Unlike a credit score alone, WalletScore shows you the full picture of your financial situation. The app then creates a personalized roadmap to improve your credit, pay off debt faster, and save money consistently. You'll see exactly how different financial decisions affect your standing before you make them.

Budget in the way that works for you—envelope method, zero-based budgeting, or any other strategy. Customize your approach and switch between methods without losing your data. Real-time spending tracking helps you stay within your means and alerts you when you're approaching limits. A net-worth tracker keeps tabs on your overall wealth over time, while savings alerts help you spot opportunities to avoid overpaying on financial products.

Get recommendations for credit cards and loans matched to your profile, so you're not wasting money on high-interest offers. The app hunts for better deals on financial products automatically, helping you save thousands annually on mortgages, auto loans, student loans, insurance, and more. If your credit isn't perfect, the app shows you exactly how to improve it and how long it will take.

Round-the-clock credit monitoring watches your TransUnion credit report for important changes and alerts you via email or SMS—most services don't offer SMS notifications. Soft credit inquiries when you check your score won't hurt your credit rating at all. Identity theft protection keeps you informed of suspicious activity.

Checking your credit through this app creates only a soft inquiry, leaving your credit score untouched. The combination of credit monitoring, budgeting tools, and identity theft alerts in a single app eliminates the need to juggle multiple services. Download WalletHub: Credit & Budgeting today to start building a stronger financial foundation.