A free credit score and report is a powerful tool for you to use when shopping for a new credit card. The app provides an approximate score and report based on information available in the public domain. It's not an exact science, but it can help you get a rough idea of your financial situation and how likely you are to be approved for credit.

The app uses a number of data points to generate a score and a report, including your history on both the loan and the credit card, payment history, income, and other information. You can find out what impact different factors have on your score. The app can help you check if your current financial situation is improving or worsening.