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

PROS: With a stable connection, the app is easy to use. The ability to see all 3 bureaus in one spot is very neat. Individual credit reports are fairly organized. CONS: Subscriptions are too pricey. Why should I pay the price of a hulu subscription when the benefits dont equal the price? The number of notifications I received claiming my credit score has increased when it, in fact, has not, is incredibly bothersome. I dont like generating traffic for apps that provide misleading information.

3 stars is a little generous seeing as I just called customer service to delete my account entirely. I had upgraded to the credit lock feature which is $4.99 a month, and for the past few months, the payment has been declined repeatedly despite plenty of funds available. I finally called on the issue today, & the automated system wouldn't give me a human to help until I asked to delete my account, despite the app having told me to call in the first place. Don't tell me to call if you won't help

WORST APP EVER!!! They don't even deserve the one star. I set up an account, told me it didn't exist. Finally got it to regonize my account. Requested the pin code via text, never came, tried multiple times. Then when I was finally able to log in a different way all it wanted to do was offer me my free credit report. If I tried to do anything else like freeze my credit it would log me out.