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The best credit score tools in 2026

Last updated
Feb 2, 2026
Based on
60 reviews
Products considered
34

Credit score tools track and build credit using spending, on-time payments, and alternative data like rent. Great for rewards maximizers, borrowers, and future homebuyers.

RampRoameMAXIM CREDIT CARD KasheeshLoan and mortgage: calculator
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Top reviewed credit score tools

Top reviewed
stands out for award-flight searches that turn credit card points into premium redemptions with fast comparisons and transfer guidance. helps everyday spenders pick the right card per purchase and track perks without bank logins. targets thin-file users, converting rent and subscriptions into reportable data to build scores and accelerate eligibility for bigger goals like mortgages.
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