There are many different tools out there designed to help you manage your money better. But no one has time to try them all, so we’ve put together a comprehensive comparison based on the features that WalletHub offers for free to all its members.
We tried to remain as impartial as possible in the process, but it’s hard to escape certain facts which point to WalletHub being a superior service. Anyway, we’ll let you make up your own mind below.
|
Features
|
WalletHub
|
Credit Karma†
|
Credit Sesame†
|
Experian†
|
NerdWallet†
|
|---|---|---|---|---|---|
| Credit Scores |
YES
|
YES
|
YES
|
YES
|
YES
|
| Full Credit Reports |
YES
|
YES
|
Paid
|
YES
|
YES
|
| Daily Updates to Scores & Reports |
YES
|
YES
|
Scores Only
|
YES
|
No
|
| Overall Financial Health Score (e.g. WalletScore) |
YES
|
No
|
YES
|
No
|
No
|
| Financial Timeline |
YES
|
No
|
No
|
YES
|
No
|
| Credit Analysis |
YES
|
YES
|
YES
|
YES
|
YES
|
| Why My Credit Score Changed |
YES
|
YES
|
YES
|
No
|
No
|
| Credit-Improvement Plan |
YES
|
YES
|
YES
|
Paid
|
No
|
| Debt Payoff Plan |
YES
|
YES
|
No
|
No
|
No
|
| Spending Tracker |
YES
|
YES
|
No
|
YES
|
YES
|
| Budgeting |
YES
|
No
|
No
|
No
|
No
|
| Net Worth |
YES
|
YES
|
No
|
No
|
YES
|
| Investment Tracker |
YES
|
YES
|
No
|
YES
|
YES
|
| Financial Reports |
YES
|
No
|
No
|
No
|
No
|
| Credit Score Goals |
YES
|
No
|
No
|
Paid
|
No
|
| Debt Payoff Goals |
YES
|
No
|
No
|
No
|
No
|
| Transaction Importer |
YES
|
YES
|
No
|
YES
|
YES
|
| Share Transactions |
YES
|
No
|
No
|
No
|
No
|
| Money-Saving Opportunities |
YES
|
YES
|
YES
|
Paid
|
No
|
| Credit Score Simulator |
YES
|
YES
|
Paid
|
Paid
|
YES
|
| Credit Monitoring |
YES
|
YES
|
YES
|
YES
|
YES
|
| Enhanced Credit Report Insights |
YES
|
No
|
No
|
No
|
No
|
| Real-Time Credit Inquiry Alerts |
YES
|
YES
|
YES
|
YES
|
YES
|
| Interactive Alerts |
YES
|
No
|
No
|
No
|
No
|
| Change of Address Alerts |
YES
|
YES
|
YES
|
Paid
|
YES
|
| Password Monitoring |
YES
|
YES
|
Paid
|
Paid
|
No
|
| Social Security Number Trace Alerts |
YES
|
No
|
No
|
Paid
|
No
|
| SMS for Urgent Alerts |
YES
|
No
|
YES
|
YES
|
No
|
| Auto Insurance Score |
YES
|
No
|
No
|
No
|
No
|
| Personalized Experience |
YES
|
YES
|
YES
|
YES
|
YES
|
† Chart comparisons based on competitor info compiled in September 2025. Visit each company's website for their latest features and more details.
Picking A Winner: Competition is a good thing, and we’re glad that consumers have so many great options when it comes to checking their credit scores and learning more about personal finance. We’re obviously partial to WalletHub, but we believe that to be a determination justifiably reached. WalletHub is the first website to offer daily updates for its free credit scores, and it’s unique among its competitors in that it works hard to make recommendations that truly have your wallet’s best interests at heart.
With that being said, personal preference will ultimately play a major role in your choice between these service providers, so read some reviews, give the most promising ones a try and see what you like. And don’t forget to share your thoughts in the community discussion section below.
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