Actual
Robust and simple budgeting that works.
Perch Credit
Use recurring expenses to boost your credit score
Updated February 2026
| Actual | Perch Credit | |
|---|---|---|
| Rating | 5.0★ | 5.0★ |
| Reviews | 1 | 2 |
| Pros | 0 | 0 |
| FactScore™ | 15.1 | 23.9 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Actual — Pros
No unique pros listedBoth tools — Pros
—Only in Perch Credit — Pros
No unique pros listedOnly in Actual — Cons
—Both tools — Cons
—Only in Perch Credit — Cons
—Details
| Actual | Perch Credit | |
|---|---|---|
| Categories | Finance, Budgeting apps, Savings apps | Mobile editing apps, Finance, Credit score tools |
| Platforms | Web · iOS | Web · iOS |
| Became Popular | January 29, 2019 | January 26, 2021 |
| Website | actualbudget.com | getperch.app |
Who Should Pick Which?
Choose Actual if...
- No unique pros listed
Choose Perch Credit if...
- No unique pros listed
With a FactScore™ of 15.1 vs 23.9, Perch Credit leads in community reception. Actual uniquely offers No unique pros listed, while Perch Credit stands out for No unique pros listed.
What Users Say
Actual
No reviews yet
Perch Credit
I had been to at least 8 finance companies and was turned down by all of them due to my bad report. I gave up on buying a new house. Then a friend told me to contact XAPCREDITSOLUTION AT GMAIL D0T ...
My gratitude goes out to HACKWEST AT WRITEME DOT COM for fixing my credit report and clearing all the negatives, collections, charge offs, electricity and phone bills as well as the student lo...
Related Comparisons
Frequently Asked Questions
Which is better, Actual or Perch Credit?
Based on FactScore™, Perch Credit leads with a score of 23.9 vs 15.1. Perch Credit has a higher rating of 5.0★ compared to 5.0★.
What are the pros of Actual compared to Perch Credit?
Actual uniquely offers: No unique pros listed.
What are the pros of Perch Credit compared to Actual?
Perch Credit uniquely offers: No unique pros listed.
Is Actual better rated than Perch Credit?
Actual is rated 5.0★ from 1 reviews. Perch Credit is rated 5.0★ from 2 reviews.
What is the FactScore™ of Actual and Perch Credit?
FactScore™ weighs rating and review volume together. Actual scores 15.1 and Perch Credit scores 23.9.
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