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Credit Not Due: The Limitations of Popular Credit Score Apps

Consumer Reports examined five popular apps that give consumers access to credit scores: Credit Karma, Credit Sesame, Experian Credit Report, MyFICO, and TransUnion: Score & Report. CR set out to identify the specific credit information these apps provide to users; document the fees they charge; assess the services’ business models; and evaluate their privacy and data security practices.  We found that these popular apps may not deliver all of the benefits users’ expect and can come with extra costs and risks that people may not foresee.