WalletHub Review (2026)
WalletHub suits people who want a free credit score that updates every day, plus a free TransUnion report and monitoring, without entering a card. The one thing to know: everything comes from one bureau, TransUnion, and the score is VantageScore 3.0, not FICO. The free plan costs $0; paid plans ran from $4.99 a month (Plus) to $34.99 a month (Premium+) in WalletHub's pricing data on October 19, 2026.
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against WalletHub's own pricing, help and policy pages (12 sources, listed below). We re-check prices about once a month. We do not earn a commission from WalletHub.
WalletHub at a glance
| Free plan | $0, no card and no trial: daily score, full TransUnion report, 24/7 credit monitoring, TransUnion report lock, budgeting tools [1] |
|---|---|
| Plus | $4.99 a month; no yearly price in the pricing data we read [4] |
| Premium | $15.99 a month, or $95.90 billed yearly [4] |
| Premium+ | $34.99 a month, or $190 billed yearly [4] |
| Price caveat | WalletHub serves prices by plan group; the App Store lists other Premium prices, so you may see a different price [9] |
| Score | VantageScore 3.0, based on your TransUnion credit report, updated daily [2] |
| Score lenders use | The FTC says the scoring system most lenders use is the FICO score [12] |
| Bureaus monitored | TransUnion only (score, report, monitoring and lock) [1] |
| Identity theft insurance | $1,000,000 policy limit, listed on the Premium page; Lloyd's underwriters under a master policy issued to Sontiq, Inc., a TransUnion company (New York: AIG companies) [2] |
| Credit Builder | Reports rent to TransUnion and Experian, and phone and utility bills to TransUnion (Plus and Premium) [2] |
| Trial and refunds | No trial in the current offer; all sales final, no prorated refunds [5] |
| How it makes money | Matches users with credit card and loan offers; paid subscriptions [7] |
| Company | Evolution Finance, Inc. (doing business as WalletHub), Miami, Florida [7] |
| Free from the bureaus | Weekly credit reports from Equifax, Experian and TransUnion at AnnualCreditReport.com, no subscription needed [11] |
What WalletHub costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) | Annual plan saves |
|---|---|---|---|---|
| Free | $0 | - | $0 | - |
| Plusmonthly only in this plan group | $59.88 | - | $179.64 | - |
| Premium | $191.88 | $95.90 | $287.70 | $95.98 (50%) |
| Premium+ | $419.88 | $190 | $570 | $229.88 (55%) |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. Paid prices are from the pricing data WalletHub's upgrade page loaded on October 19, 2026 (plan group "Combo with Plus - Oct 2026"), with no intro offer and no free trial. WalletHub assigns plan groups, so you may see different prices; the App Store listing shows other Premium prices from $4.99 to $16.00 a month and Premium+ at $11.99 a month. Check the price at checkout.
How WalletHub works
The free plan pulls your TransUnion credit report and shows a VantageScore 3.0 score built from it. WalletHub says it is the only site or app with free daily score updates. You also get the full TransUnion report, 24/7 monitoring of that report, a TransUnion report lock and budgeting tools, with no card and no trial. WalletHub pays for the free plan by matching you with credit card and loan offers. Because lenders often pull Equifax or Experian too, and the FTC says most lenders use the FICO score, WalletHub's number is a guide, not the score a lender will see. More on the gap in what counts as a good credit score.
The paid plans add identity features. WalletHub's Premium page lists dark web scans, SSN trace alerts, change-of-address monitoring, real-time inquiry alerts, lock alerts and scheduling, US-based identity restoration and a $1,000,000 identity theft insurance policy. It does not say in the page text which of these sit on Plus, Premium or Premium+, so check the tier at checkout. The insurance is not WalletHub's own: it is a master policy issued to Sontiq, Inc., a TransUnion company, underwritten by certain underwriters at Lloyd's (for New York residents, by AIG companies). The $1,000,000 is a policy limit, not a payout promise. Before paying, know what is free from the bureaus: a credit freeze at Equifax, Experian and TransUnion costs nothing and lasts until you lift it, a fraud alert is free for a year, and AnnualCreditReport.com gives free weekly reports from all three.
A hypothetical year on Premium at the prices we read: billed monthly it costs $15.99 x 12 = $191.88; billed yearly it costs $95.90, which saves $95.98, half the monthly total. On Premium+ the gap is $34.99 x 12 = $419.88 against $190, a $229.88 difference. WalletHub's payment terms say sales are final and fees are not prorated, so a yearly plan you cancel in month two is still paid for the full year.
Pros
- Free score and report with daily updates, no card or trial
- Free TransUnion report lock on the free plan
- Premium billed yearly ($95.90) costs half of paying monthly
- Credit Builder reports rent to two bureaus on Plus and Premium
Cons
- One bureau only: no Equifax or Experian data
- VantageScore 3.0, not the FICO score most lenders use
- Paid prices vary by plan group, so the price you see may differ
- All sales final, with no prorated refunds
- Free plan uses your data to match you with card and loan offers
Who WalletHub fits, and who should skip it
A good fit if
- You want a free score that updates daily and do not want to give a card number.
- You want a free way to watch your TransUnion report and lock it.
- You rent and want on-time rent reported to TransUnion and Experian through Credit Builder on a paid plan.
Look elsewhere if
- You want a FICO score rather than a VantageScore: CreditWise shows a free FICO Score 8.
- You want a second bureau for free: Credit Karma covers TransUnion and Equifax.
- You want monitoring of all three bureaus plus identity insurance on one plan: Aura monitors all three.
Limitations to know
- Score, report, monitoring and lock all come from TransUnion. Fraud that shows up only at Equifax or Experian will not trigger a WalletHub alert. [1]
- WalletHub's page text does not map features to Plus, Premium and Premium+, including which tier carries the $1,000,000 insurance. [3]
- If you cancel a paid plan that includes the TransUnion lock as a benefit, the lock stops when that plan expires. [2]
- A lock is a product; a freeze is your legal right. A freeze placed directly with each bureau costs nothing to place or lift and lasts until you lift it. [10]
- Subscriptions renew automatically at WalletHub's then-current price. Cancelling stops the next renewal; access runs to the end of the term with no prorated refund. [6]
WalletHub compared with alternatives
| Service | Free tier | Price | Score shown | ID-theft insurance |
|---|---|---|---|---|
| WalletHub | Free daily score, report, monitoring and TransUnion lock | Free; Plus $4.99/mo; Premium $15.99/mo or $95.90/yr; Premium+ $34.99/mo or $190/yr | VantageScore 3.0 (not FICO) | $1M (underwritten via Sontiq, a TransUnion company) |
| Credit Karma | Fully free: scores, reports, alerts (no paid tier) | Free | VantageScore 3.0 (not FICO) | None |
| Capital One CreditWise | Fully free, no Capital One account needed | Free | FICO Score 8 (TransUnion data) | None |
| Experian | Free FICO Score 8 and Experian report, no card needed | Core $4.99/mo ($49.99/yr), Plus $14.99/mo ($149/yr), Premium $24.99/mo ($249.99/yr) | FICO Score 8 (Experian data) | $100K (Core), $500K (Plus), $1M (Premium) |
| Aura | No free tier (14-day trial) | $12/mo billed yearly or $15 monthly; Couple $22/$29; Family $32/$50 | VantageScore (Equifax data, monthly) | $1M individual, $2M couple, $5M family (American Bankers Insurance Co. of Florida) |
- Pick Credit Karma if you want free scores and reports from TransUnion and Equifax.
- Pick Capital One CreditWise if you want a free FICO Score 8 instead of a VantageScore.
- Pick Experian if you want a free FICO Score 8 from Experian data.
- Pick Aura if you want three-bureau monitoring with identity insurance and device security.
Security and privacy
- WalletHub uses the information it collects, including personal information, to match you with offers for financial products and services. [7]
- Its California notice says it does not sell data for money, but its disclosures to ad networks, analytics firms and financial offer partners may count as a "sale" or "share" under California law. [8]
- The privacy policy was last updated July 10, 2026. The privacy contact is Evolution Finance, Inc., 150 SE 2nd Ave, Suite 300, Miami, FL 33131. [7]
- We searched the CFPB enforcement database and FTC cases for WalletHub and Evolution Finance on October 19, 2026 and found no enforcement action.
Recent changes
| Date | What changed |
|---|---|
| Oct 2026 | Pricing data shows three paid tiers in plan group "Combo with Plus - Oct 2026": Plus $4.99 a month, Premium $15.99 a month or $95.90 a year, Premium+ $34.99 a month or $190 a year. [4] |
WalletHub FAQ
Is WalletHub free?
Yes. The free plan includes a daily-updated score, the full TransUnion report, 24/7 monitoring and a TransUnion report lock, with no card and no trial. WalletHub earns from matching you with card and loan offers. Paid plans (Plus, Premium, Premium+) add identity features and insurance.
Is WalletHub accurate?
The score is a real VantageScore 3.0 calculated from your TransUnion report. It can differ from what a lender sees, because the FTC says most lenders use a FICO score and a lender may pull a different bureau. See <a href="/what-is-a-good-credit-score/#what-moves-your-score">what drives a FICO score</a>.
How much does WalletHub cost?
Free, or for paid plans: Plus $4.99 a month, Premium $15.99 a month or $95.90 a year, Premium+ $34.99 a month or $190 a year, per WalletHub's pricing data on October 19, 2026. WalletHub serves different price groups to different visitors, so confirm at checkout.
WalletHub vs Credit Karma?
Both are free and show VantageScore 3.0. WalletHub uses TransUnion only and updates daily; <a href="/credit-monitoring/credit-karma/">Credit Karma</a> covers TransUnion and Equifax. WalletHub also includes a free TransUnion report lock.
Is WalletHub Premium worth it?
It depends on whether you would use the identity features. A free credit freeze at all three bureaus and free weekly reports at AnnualCreditReport.com cover the basics at no cost. Premium adds monitoring, restoration help and a $1,000,000 insurance policy limit for $95.90 a year at the price we read. Our guide on <a href="/is-identity-theft-protection-worth-it/">whether identity theft protection is worth it</a> walks through the trade-off.
How we researched this review
We did not get paid or receive a free account for this page. We read WalletHub's own pricing page, help center, security and privacy pages and app-store listing on October 19, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to WalletHub. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- WalletHub, Free credit score, checked October 19, 2026.
- WalletHub, Premium (features, insurance and credit lock terms), checked October 19, 2026.
- WalletHub, Upgrade page, checked October 19, 2026.
- WalletHub, pricing data its upgrade page loads (plan group "Combo with Plus - Oct 2026"), checked October 19, 2026.
- WalletHub, Payment terms, checked October 19, 2026.
- WalletHub, Terms of service, checked October 19, 2026.
- WalletHub, Privacy policy (last updated July 10, 2026), checked October 19, 2026.
- WalletHub, California privacy notice, checked October 19, 2026.
- Apple App Store, WalletHub: Credit & Budgeting, checked October 19, 2026.
- FTC, Credit freezes and fraud alerts, checked October 19, 2026.
- FTC, Free credit reports, checked October 19, 2026.
- FTC, Credit scores, checked October 19, 2026.
This review is general information, not financial or legal advice. A credit freeze at each bureau and weekly reports from AnnualCreditReport.com are free under federal rules; a paid service adds alerts, insurance and help, not protection you cannot get yourself.