Experian®

Experian

About this app

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.

Ratings and reviews

This app is pretty good. I've been using this app with a free Experian account for a long time. I've used this app and credit Karma at the same time, since they show data from different credit bureaus, to keep an eye on my credit score and other details while paying off all of my credit cards. Btw if you're trying to pay down credit cards, look up "debt snowball" online and try that method because you can do it on your own for free and it totally works!

Invaluable Subscription: Being notified when your score rises or falls, and why, is invaluable. Disputing inaccurate information on your report is easy and Experian jumps all over it immediately with outstanding communication along the way. Being able to see all card accounts in one place and percentage of credit usage is beyond helpful when trying to stay under 30% usage to keep a credit rating high. Getting new card offers that are no-ding if you apply is fantastic. SO many benefits.

I am very upset at this app. It keeps having technical difficulties. I tried to pay the subscription 6 times and then it says, "we're experiencing technical difficulties"...its been 6 months of the same thing. At this point I dont want the subscription- the credit scores arent accurate anyways- been to several financial places and the credit score on here is completely different and not accurate-I am done. 👿 It wont even let me log in with password or finger print login. 💀

What’s new

Find out if you're overpaying on auto insurance. We shop and compare quotes for you from over 40 top insurers. And NOW you can get notified when rates in your area drop with ongoing rate monitoring! Experian will actively monitor rates in our network to make sure you’re always getting our best deal.