Experian®

Description

Get your Experian credit report and FICO® Score* with a free membership—no credit card needed! Apply for credit cards and loans labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not approved^^. You could save an avg of $1,007/year on car insurance^^^. Chat with the Experian Virtual Assistant™. With a paid membership, you could save an avg of $721 with Bill Negotiation & Subscription Cancellation**and get an advance with Experian Cash™ powered by Brigit##.    GET STARTED FOR FREE ■Experian Boost®ø Raise your FICO® Score* using bills you already pay - cell phone, utilities, streaming services and eligible rent payments ■Credit monitoring  Stay informed if accounts are opened in your name, or new inquiries appear on your Experian credit report ■Marketplace^  Compare credit card, personal loan or car insurance quotes matched to your credit profile ■Financial health assessment#  Take a survey and get suggested actions to improve your overall financial health and see what steps you could take to improve it   PREMIUM BENEFITS   ■Bill Negotiation & Subscription Cancellation**   You could save time and up to $721 when we negotiate and cancel your bills  ■Experian CreditLock***  Protect against identity theft by locking your Experian credit file. Get real-time alerts if someone applies for credit in your name while locked  ■Experian Cash™ powered by Brigit##  Get a $25-250 advance when you need it most TERMS  See experian.com/legal for Terms of Use Agreement, Privacy Policy, Marketplace Licenses & Disclosures, Insurance State Licenses and Insurance Carrier Partner Details.   øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.   *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.   **Results will vary. Not all bills or subs eligible. Savings not guaranteed. $721 avg. est. savings w/ 1+ negotiation & 1+ cancelation. Paid membership w/connected payment account(s) req’d. See experian.com for details.  ***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences at Experian.com  ^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.    ^^Applying for cards and loans labeled ‘No Ding Decline™’ won’t hurt your credit scores if you aren’t initially approved. Initial approval will result in hard inquiry, which may impact your credit scores.    ^^^Results will vary and some may not see savings. Average savings of $1,007 per year for customers who switched and saved.   #Results may vary. The financial health assessment is for informational purposes only and is not intended to provide financial, legal, tax, or other advice.  ##Experian Cash™ is powered by Brigit. Not all users will qualify. Depending on eligibility, advances range from $25–$250.  Express delivery is optional and a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. You are not required to enroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advance with a free Experian membership. Terms apply.  ©2026 Experian. All rights reserved. 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.

Recent Reviews

• ★★★★★jpheidelberger

  Credit score

  It’s ridiculous how you reduce my credit score when I pay my credit card off..Freaks me out each time. I pay and pay on time never late you’d think that would mean something…

• ★★★★★dzvisuals

  Best credit app out there

  I had no credit, using this app was a no brainer. After a few months of paying off my Phone bill with my opensky prepaid credit card my credit went from nothing to 500 and now 2 years later I’m at 751! I pay all my bills on time, I got a car loan recently which shot my Credit up and every month I pay on time it will go up slowly. Hardest thing to master is the time of having the cards, sometimes these people have had cards since 1950 lol

• ★★★★★mehdi geravesh

  Helpful

  Following all my problems about my debts

• ★★★★★darel w

  Good

  Good to have

• ★★★★★GAMBLEWIN1

  Experian is The Very Best

  There is nothing to compare to Experian®️

• ★★★★★BayArea contractor

  Experian

  Thank you sooo much Experian. Best app to keep up on your credit score and everything else

• ★★★★★Sakovartan

  Saved my credit

  Some scammer have tried to apply credit from Ashley furniture thanks EXPERIAN stoped them ;THANK YOU EXPERIAN you saved me

• ★★★★★sergisf54

  .

  Best App to build your credit score

• ★★★★★DiamondBreed

  How much it cost.

  I can’t afford $25 every month to find out my credit score.

• ★★★★★Jessielizabeth66

  Can’t view details

  You can’t cure the specific details of your credit file. It will tell you that you have 23 accounts but won’t list them out the way Credit Karma does. It will say that you have a payment over 30 days late but won’t show which account or when. It’s very basic.