Experian®

Experian

About this app

Financial Power to All™. Get your Experian credit report and FICO® Score* with a free Experian® membership—no credit card needed! Apply with confidence for credit cards labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not initially approved^^. You could save big on car insurance and even get notified about changes to your credit profile. With a paid membership, you could save an average of $631/year on bills and subscriptions with Bill Negotiation & Subscription Cancellation**, get started today.

GET STARTED FOR FREE

■Experian credit report and FICO® Score*
Check your FICO® Score and credit report anytime, anywhere—it won't hurt your credit. Get every 30 days. See what factors help or hurt your FICO® Score, and actions to take for better credit.

■Experian Boost®ø
Raise your FICO® Score* using bills you already pay, like your cell phone, utilities, video streaming services and eligible rent payments.

■Credit monitoring
Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your credit report.

■Marketplace^
Compare credit card, personal loan or car insurance options matched to your unique credit profile. Apply with confidence for cards labeled “No Ding Decline™” that won’t ding your FICO® Score if you aren’t approved^^. You could save money with a personal loan or save over $1,007+/year on car insurance^^^.

PREMIUM BENEFITS

■Bill Negotiation & Subscription Cancellation**

You could save up to $631/year and time when we negotiate your bills!! We'll even cancel subscriptions you no longer want.

■Experian CreditLock***

Protect against identity theft by locking your Experian credit file. We’ll alert you real-time if someone applies for credit in your name while your file is locked.


TERMS

See experian.com/legal for Terms of Use Agreement & Privacy Policy.

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 are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. Experian members for whom Experian completed at least one negotiation and canceled at least one subscription averaged $631/year of anticipated savings.

***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences between them: experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/

^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 ‘No Ding Decline™’ credit cards 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.

©2025 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 & Disclosures: experian.com/help/cm-licenses-and-disclosures.html

Ratings and reviews

I got the app to get my credit score back up & use Experian boost. When it's not automatically logging me out, the navigation panel at the bottom just isn't there until I go thru a few links. If I try to connect a bank, the page reloads or gives a popup survey instead of proceeding. The obscure feedback form disappears when trying to select a reason for contact. The nearly impossible-to-reach customer service says they'll call back in a week. They didn't. Character limit too short for full expl-

Every month I am bombarded with emails, text and app notifications claiming my credit score has changed or your credit report has positive changes when there is absolutely no change to my credit score. Their constant fishing for engagement is annoying. Not to mention the 3+ emails a day telling me of credit card offers and suggestions on how to reduce my debt when i have little to no debt. The only positive about this app is the ability to freeze my credit with ease and that's it.

Credit scoring is great. But app keeps asking me to verify my address, saying it doesn't match my address with my bank. It does match, and I have checked but even when I enter my address I keep getting an error message. Customer service was also no help when I tried a couple of months ago. Also, my bank account keeps getting disconnected and I've reconnected it maybe twice in the last couple of months. I'm fed up with all of it right now so I just downgraded my membership to the free service.

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.