Free family credit manager
Credit Kindred puts your partner, your kids and your parents on one household board. Each adult joins by their own consent. Every score carries its bureau, model and date, and every person has a next step with a day on it.
The household board
This is the real board, filled with a sample household: three labeled readings per adult, consent in each partner's own words, children tracked by their freezes, and a date on every next step.
Why a family board
Every free credit app we reviewed covers a single adult. Meanwhile the jobs that matter most sit between people: a child's freezes, a parent's fraud risk, two partners buying one home.
children in the US had their identities misused in one year, about 1 in 80.
AARP and Javelin Strategy, 2022 studylost to cybercrime by Americans 60 and older in 2025, up about 60%.
AARP, on FBI datafreeze requests to cover a family of four at Equifax, Experian and TransUnion.
4 people × 3 bureausfree credit apps reviewed. Each one shows a single person.
Credit Kindred research, September 2026Try it now · Mortgage score for two
Lenders take each borrower's middle score across the three bureaus, then price the loan from the lowest of those. Type both partners' scores and see exactly which number sets your rate.
Rule: Fannie Mae Selling Guide B3-5.1-02. Three scores use the middle one, two use the lower, one uses itself; the loan uses the lowest across borrowers. Lenders pull their own scores, often older FICO versions or VantageScore 4.0, so free scores are a close guide.
Your loan is priced from
Set by your partner's Equifax score.
Raise that one score to 751 and the loan moves to 751.
How it works · Five people, five jobs
Add the people in your household. Credit Kindred gives each one the job that fits their life, and puts a date on the next step.
Your partner joins the board in their own words and chooses how they appear: full numbers, or direction only. Their three scores sit next to yours, labeled by bureau and model, so the two of you plan a home, a car or a card from the same page.
A child's freeze is free by federal law, and each bureau runs its own paperwork. Credit Kindred tracks every child at Equifax, Experian and TransUnion: requested, documents sent, confirmed. It keeps the checklist, the official links, and a note of where each freeze PIN is kept.
Acting for a parent takes a power of attorney or a guardianship on file at each bureau. Credit Kindred lays out what each bureau asks for, tracks every request, and keeps your parent on the same board as everyone else, by their consent while they can give it.
A card reports its balance when the statement closes, not when the bill is due. Add each card's limit, balance and closing day and Credit Kindred shows what it will report, the date it closes, and the payment that brings it to the level you choose.
A VantageScore from one bureau and a FICO Score from another are different numbers. Credit Kindred never shows one without its label, compares readings only within the same model, and shows where each free score comes from, including three free FICO Score 8 readings, one per bureau.
Built for the moments that matter
Credit rarely matters on an ordinary Tuesday. It matters on a handful of days, and those days usually involve more than one person. Here is what the board does on each of them.
Enter both partners' three scores and see the loan's representative score: each partner's middle score, then the lower of the two. The board names the one bureau score that sets it, so the two of you know which card to pay down and which statement date to beat before the lender pulls credit.
Once a child has a Social Security number, a parent can place a protected-consumer freeze at each bureau for free. The freeze tracker lists the three requests, the documents each bureau asks for, and the official page for each, then holds the status until all three read confirmed.
Federal protections for a protected-consumer freeze are written for children under 16. The board keeps the year each child turns 16 in view, so the family can confirm with each bureau how the freeze carries forward, and the child's card is ready for the day they become an adult who joins by their own consent.
Acting at the bureaus for an aging parent takes a power of attorney or a guardianship on file at each one. The checklist holds the authority documents, the tracker holds each request and its date, and the whole family sees the next step on the same board.
When one person's details turn up in a breach, the rest of the household is often next. The tracker shows who is frozen at which bureau and who is not, so the gaps are visible at a glance and every missing freeze has a link and a checklist beside it.
Cards report balances when statements close. The statement planner lists every card in the household by its next closing date and shows the payment that brings each one to the level you choose, so the balance your family carries is the balance you meant to report.
Consent first
Credit law gives each adult their own file. Credit Kindred is built around that: you manage your board, and every other adult is on it because they agreed.
Start this week · About 20 minutes
Everything you need is free, and each adult pulls their own. Here is the order that gets a family onto one board fastest.
Each adult visits annualcreditreport.com, the site federal law set up for free reports, answers a few identity questions, and opens their report from Equifax, Experian and TransUnion. It is free every week. Note anything you do not recognize: an account, an address, an inquiry.
Free FICO Score 8 readings exist for all three bureaus: Experian through the Experian app or Amex MyCredit Guide, TransUnion through Capital One CreditWise, and Equifax through myFICO Free. Record each one on the board with its date. The board keeps the labels straight so you never compare two different models.
Open the freeze tracker, pick a child or a parent, and work through the checklist: birth certificate, Social Security card, your photo ID, proof of address and proof of authority. Send the three requests, mark each one, and come back when the confirmations arrive. Freezes are free and can be lifted any time.
The words on the page
Compare
Family credit today means a paid identity plan with a cap on adults, or a stack of free single-person apps. Here is how they line up.
| Credit Kindred | Credit Karma | Experian Family | Equifax Complete Family | Aura Family | |
|---|---|---|---|---|---|
| Price | Free | Free | $34.99 a month | $29.95 a month | $32 a month, billed yearly |
| Adults on one account | Everyone you add, by consent | 1 | 2 | 2 | 5 |
| Children | Everyone you add | None | Up to 10 | Up to 4 | Unlimited |
| Children's freezes | Tracked at all three bureaus, with checklists | Links to each bureau | Experian file check for a minor | Equifax lock only | Pre-filled requests for all three |
| Mortgage score for two | Yes, live | Not offered | Not offered | Not offered | Not offered |
Prices and plan details as shown on each company's own pages on September 29, 2026: Credit Karma, Experian, Equifax, Aura. "Not offered" means we found no such feature on the company's product pages that day. Credit Kindred is not affiliated with any company named here.
How Credit Kindred is paid for
The biggest free credit apps earn their money when you apply for a card or a loan they show you. That is why their screens fill with offers and odds. Credit Kindred is made by Epiphani Studios and is free to use, with none of that on the board.
Questions
Yes. Every tool on this page is free: the household board, the mortgage score for two, the freeze tracker, the statement-close planner and the map of free score sources. There is no trial and nothing to cancel.
No, and Credit Kindred is designed that way on purpose. Every adult's credit file belongs to them. On your board, another adult's scores appear only after you record their consent in their own words, with the date. They choose whether the board shows numbers or just the direction.
No. Each person gets their own free reports at annualcreditreport.com and their own free scores from sources like the Experian app, Amex MyCredit Guide, Capital One CreditWise and myFICO. You record what matters on the board. Credit Kindred signs in to no bureau, bank or card account.
No. Entering a score on your board touches no credit file. Checking your own credit is also a soft inquiry and does not affect your score.
Yes. Federal law makes security freezes free, including for children under 16, whose freeze a parent requests as a protected-consumer freeze (15 U.S.C. 1681c-1). Each bureau has its own form and documents; the freeze tracker keeps all three straight.
Different bureaus hold slightly different data, and different score models weigh it differently. Many free apps show a VantageScore; mortgage lenders often use older FICO versions or VantageScore 4.0. That is why Credit Kindred labels every reading with its bureau, model and date, and compares readings only within the same model.
For each borrower, the lender takes the middle of three bureau scores (the lower of two, or the only one). The loan is then priced from the lowest of those numbers across all borrowers, per Fannie Mae's Selling Guide B3-5.1-02. Credit Kindred shows the number and the one score that sets it.
Everything you enter is saved in this browser on this device. You can export the whole board as a file, import it on another device, or clear it in one step.
No. Credit Kindred is an organizer for your family's credit: scores, freezes, cards and dates. It is not a credit repair service, a credit bureau or a lender, and it does not give legal or financial advice.
Many adults do. A freeze at each bureau stops new lenders from opening accounts in your name, costs nothing, and leaves your existing cards and score untouched. The freeze tracker works the same way for an adult as for a child: three bureaus, a status and a date for each, and a note of where each PIN is kept.
Only if it is still on when the lender pulls your credit. Lift the freeze at each bureau shortly before you apply, either for a set window or until you refreeze, and mark it Thawed on the board so the family can see who is open and who is protected. Once the loan is done, refreeze and mark it again.
Treat it as possible identity theft and act the same day. Freeze that person's credit at all three bureaus, then use the Federal Trade Commission's IdentityTheft.gov, which builds a personal recovery plan and the reports you need. Contact the bureau showing the account and the company named on it. Mark the steps on the board so everyone in the family knows where things stand.
Yes. Credit Kindred runs in any modern browser on a phone, tablet or computer.
Start in two minutes
Add yourself, your partner and your kids. Record each adult's consent, start the three freezes, and see what every card reports next.
Open your household board