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CreditWorks is an Experian credit score and monitoring app that gives you free monthly access to your Experian credit report and FICO score. 2.7% plus $0.00. $5. The total cost of an iPhone credit card reader can be broken down into two key parts: Hardware costs: This is the total cost of the actual card reader itself, and you’ll ... #20 in Finance. 4.8 • 2.2M Ratings. Free. Offers In-App Purchases. Screenshots. iPhone. iPad. Get your Experian credit report and FICO® Score* with a free Experian membership—no credit card needed! Learn how to instantly raise your FICO Score with Experian Boost®ø, get notified about changes to your credit and more. Drawbacks: Even though the app makes paying credit cards simpler, it has no autopay feature. As a result, you will have to log on and set up payments each month. 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