--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Credit Rating and Credit Check" developer_entity: "yoav fael" bundle_id: "com.yoavfaeland.CreditRatingScoreCheck" app_store_id: "1286524584" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2017-11-13" report_date: "2026-09-07" last_verified: "2026-09-07T00:00:00.000Z" report_version: "1.0" total_reviews: 1 overall_rating: 1 confidence: "low" confidence_score: 0.2 data_age_days: 23 momentum_velocity: "zombie" intelligence_version: 3 tags: ["finance", "free", "mobile app", "app review", "app analysis", "individuals", "seeking", "understand"] canonical_url: "https://marlvel.ai/apps/credit-rating-and-credit-check" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Credit Rating and Credit Check Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 1 > **TL;DR:** Credit Rating and Credit Check is a finance app by yoav fael, rated 1/5 by 1 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Credit Rating and Credit Check is a finance app by yoav fael. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 1/5 (1 review) | | **Category** | Finance | | **Developer** | yoav fael | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 23d | ## Metadata & Market Performance - **Publisher:** yoav fael - **Category:** Finance - **Target Audience:** Individuals seeking to understand credit reporting, improve their credit scores, or navigate employment and housing credit checks. - **Platforms:** iOS - **Version Reviewed:** 1.0 - **Report Date:** 2026-09-07 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 1286524584 - **Bundle ID:** com.yoavfaeland.CreditRatingScoreCheck - **Performance Trend:** Declining - **Data Window:** Analysis based on signals collected up to 2026-09-07 ## Executive Snapshot **What it is:** Credit Rating and Credit Check is an educational guide for individuals navigating credit scores and reporting, delivered as a seven-lesson course on iOS. **Why users hire it:** It removes the cognitive friction of understanding complex credit reports for users who lack prior financial literacy. ## App DNA (Features & Intent) - **[Standard] Credit Score Education Course:** Seven-lesson mini-course covering credit score components and history impact. - **[Standard] Credit Repair Guidance:** Instructional content on methods to improve and fix sub-prime credit scores. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Credit Report Acquisition Guide:** Tutorials on how to obtain and interpret personal credit reports. * *User Intent:* Users need clear guidance to understand and adopt the product quickly. ## Market Position {#market-position} Credit Rating and Credit Check maintains a static presence in the Finance category with no updates since 2017. The lack of feature parity with modern, API-integrated credit tools limits its utility to basic informational reference. ## Monetization Strategy - **Model:** Free - **Tiers:** Free access to all educational content - **Analysis:** The app is distributed as a free educational tool with no visible in-app purchase or subscription model. ## SWOT Analysis {#swot} **Core Strengths:** - Focused educational curriculum provides a low-friction entry point for credit-score beginners. - Free access model removes financial barriers for users seeking basic credit literacy. **Growth Levers:** - Integration of real-time credit report API access would differentiate the app from static guides. - Localized content for immigrant credit-history challenges could capture an underserved segment. ## Recent Changes (v2 → v3) {#recent-changes} The intelligence assessment shifted from a neutral observation of the app's dormancy to a critical evaluation of its security and regulatory liabilities. The core product remains unchanged, but the analysis now frames the 2017 codebase as a risk to user trust and platform compliance. **Overall trend**: Declining **Compared at**: 2026-09-07 ### High-impact changes - **[Added] Security and Compliance Liability** (swot) - **[Shifted] Risk-Focused Narrative** (positioning) ### Medium-impact changes - **[Added] New Strategic Opportunities** (swot) ## What's New - **Latest (v1.0, 8 years ago):** Technical update for watchOS 27 compatibility. ## App Momentum (Zombie) {#momentum} - Dormant since 2017 release. - No feature updates in 3,219 days. > **Cadence:** 1 total versions · 0 majors in last 6 months · 3219 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Credit Rating and Credit Check is a finance app that is completely free. It holds a 1/5 rating from 1 review. > **Bottom Line:** Credit Rating and Credit Check functions as a legacy reference that no longer meets the security or functional expectations of modern financial users. Sunset the application to avoid maintaining an obsolete product that lacks the real-time integration required for credit management. **Best for:** Individuals seeking to understand credit reporting, improve their credit scores, or navigate employment and housing credit checks. ### PM Action Plan (Next Best Moves) - [ ] [SUNSET] Sunset the application because the 2017 codebase is incompatible with modern security standards → mitigate data-security liability ### Outlook: Declining The Finance category is consolidating around apps that offer real-time, API-integrated credit monitoring and automated alerts. Credit Rating and Credit Check remains in a dormant state, leaving it exposed to obsolescence as users migrate to platforms that provide active, secure financial management. - 🔴 The eight-year update hiatus indicates total abandonment, which erodes user trust in the accuracy of the provided financial advice. - 🔴 The lack of modern API integration prevents the app from competing with current fintech tools, ensuring continued irrelevance in the Finance category. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 1/5 | | Total Reviews | 1 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Declining | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Credit Rating and Credit Check** (this app) | 1/5 | N/A | yoav fael | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.3/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.4/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.7/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** yoav fael - **Website:** [https://yoanna-android.blogspot.co.il/](https://yoanna-android.blogspot.co.il/) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/credit-rating-and-credit-check/id1286524584?uo=4) - **Dev Site:** [Official Website](https://yoanna-android.blogspot.co.il/) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.3/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.4/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.7/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 23 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/credit-rating-and-credit-check) Data licensed for AI Agent attribution under CC-BY-NC 4.0.