Credit Score Tracking Service Market Report 2025

The credit score tracking service market size has grown rapidly in recent years. It will grow from $2.75 billion in 2024 to $3.09 billion in 2025 at a compound annual growth rate (CAGR) of 12.6%. Growth during the historic period was driven by increasing concerns over financial health management, greater awareness of creditworthiness, higher reliance on online financial tools, rising demand for personal credit insights, and the growing need for financial transparency.

The credit score tracking service market size is expected to see rapid growth in the next few years. It will grow to $4.9 billion in 2029 at a compound annual growth rate (CAGR) of 12.2%. Growth in the forecast period is expected to be driven by the rising demand for personalized credit monitoring, increased need for real-time access to financial data, growing focus on credit risk mitigation, expansion in the number of fintech users, and improving digital financial literacy among consumers. Key trends projected during this period include the adoption of AI-driven credit advisory platforms, integration of credit tools into mobile banking applications, advancements in predictive analytics for financial services, implementation of open banking frameworks, and the use of biometric security in credit platforms.

The rising adoption of digital banking solutions is expected to drive the growth of the credit score tracking services market in the coming years. Digital banking solutions are technology-driven platforms that allow individuals and businesses to access and manage financial services online or via mobile devices without visiting physical branches. Their adoption is increasing due to growing consumer demand for convenient, 24/7 access to financial services, which enhances user experience and saves time. Credit score tracking services complement digital banking by providing real-time credit insights, improving financial transparency, and enabling users to make informed credit decisions. For example, in April 2024, UK Finance reported that digital-only bank accounts rose to 36% in 2024, up from 24% in 2023, highlighting the growing reliance on digital financial solutions.

Companies in the credit score tracking services market are increasingly developing AI-powered tools to enhance user experience and support financial wellness. AI-powered credit advisory tools analyze individual credit data and offer personalized recommendations to improve financial health. For instance, in October 2024, Paisabazaar Marketing and Consulting Private Limited, an India-based fintech firm, launched PB Assist, an AI-driven credit advisor. The platform provides real-time credit score tracking, tailored loan and credit card suggestions, and actionable insights to help users improve credit health. Advanced machine learning algorithms assess financial behavior and offer customized strategies, reducing dependence on manual advisory services.

In April 2025, Gen Digital Inc., a US-based digital security and financial wellness company, acquired MoneyLion Inc. for approximately $1 billion. This acquisition allows Gen Digital to enhance its Consumer Cyber Safety Platform by integrating MoneyLion’s credit tracking, financial advice, and budgeting tools. The move strengthens Gen Digital’s position in the financial wellness market. MoneyLion Inc., based in the United States, specializes in credit score tracking services.

Major players in the credit score tracking service market are Experian plc, Equifax Inc., TransUnion LLC, NortonLifeLock Inc., Credit Karma LLC, CRIF S.p.A., NerdWallet Inc., ClearScore Technology Limited, SCHUFA Holding AG, Aura Inc., Credit Sesame Inc., SavvyMoney Inc., Sontiq Inc., Borrowell Inc., ConsumerDirect Inc., The Credit Pros International LLC, Nav Technologies Inc., CreditMantri Finserve Private Limited, One Technologies LLC, Credit Suite Inc., Evolution Finance Inc.

North America was the largest region in the credit score tracking service market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in credit score tracking service report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa. The countries covered in the credit score tracking service market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report’s Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

A credit score tracking service is a digital platform or tool that enables individuals or businesses to monitor their credit scores over time. It provides regular updates, alerts about changes, and insights into the factors influencing credit health. The service helps users manage their financial reputation, detect identity fraud early, and make informed decisions regarding credit.

The primary types of credit score tracking services are periodic tracking services and irregular tracking services. Periodic tracking services involve the regular monitoring and reporting of a user’s credit score and financial activity at fixed intervals, such as weekly or monthly, to track changes and identify potential issues. These services leverage technologies including device usage, internet connectivity, and software preferences and are applied in areas such as personal and family financial management, catering to end-users such as individuals, financial institutions, credit bureaus, and others.

The credit score tracking service market research report is one of a series of new reports that provides credit score tracking service market statistics, including the credit score tracking service industry global market size, regional shares, competitors with the credit score tracking service market share, detailed credit score tracking service market segments, market trends, and opportunities, and any further data you may need to thrive in the credit score tracking service industry. This credit score tracking service market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The credit score tracking service market includes revenues earned by entities through real-time credit score monitoring, credit report access, alerts for changes in credit activity, personalized credit improvement tips, and identity theft protection tools. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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