Credit Score Tracking Service Market Report 2026

The credit score tracking service market size has grown rapidly in recent years. It will grow from $3.09 billion in 2025 to $3.48 billion in 2026 at a compound annual growth rate (CAGR) of 12.6%. The growth in the historic period can be attributed to increasing consumer credit usage, growth of digital banking services, rising awareness of credit score importance, expansion of online financial services, increased incidents of identity fraud.

The credit score tracking service market size is expected to see rapid growth in the next few years. It will grow to $5.49 billion in 2030 at a compound annual growth rate (CAGR) of 12.1%. The growth in the forecast period can be attributed to rising adoption of subscription-based credit services, growing integration with open banking platforms, expansion of business credit monitoring solutions, increasing regulatory focus on consumer data protection, rising demand for proactive financial health management. Major trends in the forecast period include increasing adoption of real-time credit monitoring platforms, rising demand for fraud and identity protection features, growing integration of ai-based credit insights, expansion of mobile-first credit tracking applications, enhanced focus on personalized credit health analytics.

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 companies operating 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 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the credit score tracking service market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the credit score tracking service market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

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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