Get your FREE Experian Credit Report & FICO® Score* – anytime, anywhere! Checking your own report doesn’t hurt your credit, and there’s no credit card required. And now, for the first time, you can raise your FICO Score instantly with Experian Boost™**. You’ll get the credit you deserve for the utility, cell phone and streaming service payments you’re already making.
See what's helping or hurting your FICO® Score, learn how your credit report impacts your FICO Score and interact with your credit in a completely re-imagined way. Always be in the know with credit monitoring and alerts that notify you when key changes to your Experian Credit Report & FICO Score occur.
Plus, take advantage of Experian CreditMatch™*** to find better credit cards and apply with confidence thanks to matches based on your FICO® Score.
FREE FICO® SCORE* and EXPERIAN CREDIT REPORT
• Track your FICO Score and see which financial behaviors are helping or hurting.
• Better understand the kind of information lenders see – like credit accounts, inquiries and public records.
• Automatically updates every 30 days upon sign-in.
• Connect your accounts to increase your FICO® Score instantly.
• Look better to lenders and save money by qualifying for better rates and offers.
• See credit card matches based on your FICO® Score.
• Compare your best options and make your choice.
Easily lock your Experian Credit File and guard yourself against identity theft with the touch of a button. Prevent unauthorized credit activity with real-time alerts if someone tries to apply for credit in your name while your credit file is locked.
CREDIT MONITORING & ALERTS
• Know when your FICO® Score changes, new accounts are opened in your name or new inquiries appear on your credit report.
• Push notifications, when enabled, will send alerts directly to your device.
• Upload your bills, and we negotiate for you. If we can’t, there is no charge.
Experian is the first company and credit bureau to offer online credit reporting services in the U.S. We empower consumers to manage and improve their financial status, while helping protect against fraud and identity theft.
Terms & Conditions: https://usa.experian.com/login/#/publicTermsAndConditionsFree
*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8 or another type of credit score altogether. To learn more: https://www.experian.com
**Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.
***Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states. See experian.com for details.
****Experian CreditLock is a separate service from Security Freeze: https://www.experian.com/freeze/center.html. To learn more about the differences between CreditLock and Security Freeze, please visit: https://www.experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/
*****Bill Negotiator - Results may vary. Some may not receive negotiated discounts or savings. Learn more: https://www.experian.com/consumer-products/bill-negotiator.com
© 2021 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures.
You don't need to wait for the holidays - you can give yourself the gift of a newly updated Experian app right now. Our latest updates will help you improve and protect your credit quicker and more reliably than ever before. Check your FICO® Score, boost it instantly, and get better credit cards, and much more. Only with the Experian app.
Ratings and Reviews
I’m 40 and just decided to finally decide to work in my credit.
I’m a 40 year old male and never really worried about credit. I guess cause of growing up with parents they were in the real-estate business and also the vp of my fathers trucking business at 18 I always paid for everything with cash or just wrote a check on the company. Well do to a one of our drivers of my dads trucking business having a horrible fatal accident in my fathers truck it caused a snow ball effect and my father not only lost hi trucking business with 4 6 axel dump trucks he also lost 7 apartment buildings my home and his and my moms. So to make a long story short I was homeless out of a job and lost. I never new much about credit and how it worked. Well over the past 4 months I been checking my credit and trying to build credit. This app has helped me tremendously along with the other 2 bureaus. I was shocked to find out the wrong info on my report also to find out that someone got cell phones cable and other items in my name. Filing a dispute is easy and being able to check my report everyday and getting the alerts is good. I got my very first credit card and my credit went from a 412 to a 617 since using this app and working with the bureaus I know it’s not that high but watching it climb gives me something to watch for. Thanks a lot for all the help. Great app
Developer Response ,
Thank you so much for the stars! We're so sorry to hear about losing the business, but we're so happy that you were able to come back from it! We strive to make the app as easy as possible to explore through and learn as much as you can about how you can build your credit. If you ever have any questions, suggestions, or concerns, don't hesitate to reach out. Thanks again and have a great day!
Experian is nothing but a fraud!!!
Experience still has me down 109 points while Trans Union and Equifax has me at 109 points they seem to not be reporting the correct information when I try to dispute they tell me they cannot dispute. They Luer me into applying for credit cards they said I would be a perfect match for an order to have open trade lines to increase my credit score then upon getting denied because of experience low credit score which Trans Union and Equifax have me 109 points on my credit score, I was promised that those credit card applications would not be hard inquiries but again that was a lie and they continue to show them as hard inquiries on my Experian credit report which brought my credit score down five points which I am trying to dispute and they have a number it says you can dispute hard inquiries but upon calling they had me on hold for over 30 minutes while they were investigating it then transfer me to someone new who didn’t know anything about why I was on hold and told me that they cannot dispute hard inquiries I have to call the creditor which is a load of crap!!! Shame on you Experian!!!!!!
Developer Response ,
Hi there. Thanks for the feedback. If you have any questions or concerns, please email us at AppSupport@experian.com. -Moneake
Not that great
DONT BOTHER: I just checked my score again only to see Experian reporting that I have an insufficient number of accounts reporting on time payments. All my accounts are current. After spending a F$&@ing hour trying to figure out what these lowlifes are talking about, I learned that I have 3 accounts reporting to Experian, all are current. It’s not that I’m missing payments, it’s that I don’t have as many accounts reporting to them as they want so they are punishing me for it! These guys need to disappear off the face of the earth! The other two credit bureaus are responsible. These guys are not!
Update: I have to drop a star. The more I use this app, the less information I actually get from it. Experian shows I have a score of 634 while the other two show 707 and 714. If I try to figure out the difference, I am met with a paywall. Want to know why your score went up or down? Paywall. Want to know anything about your own personal credit history? Pay for it. I fully recommend Credit Karma. Free is free. I recommend this to view your Experian credit score only. If you are looking for features I would recommend Credit Karma. Experian wants you to pay every month to use simple features like a credit simulator, where those features are free with Credit Karma. Both apps are useful as you only get your Experian score from this app, but Credit Karma has Trans Union and Equifax scores, as well as free features and functions you won’t get here.
Developer Response ,
We’re sorry that we didn't meet your expectations. Please let us know what we can do to improve via email at AppSupport@experian.com. We will try our best to address your concerns. Thank you. -Amanda
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