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Experian - Free Credit Report & FICO® Score

Experian - Free Credit Report & FICO® Score

Experian

Instantly increase your credit scores for free. Only with Experian Boost™!

4.8 Ratings 1M+ Reviews 5M+ Downloads

Ratings & Reviews

4.8
1.4M+ Ratings
  1. 5
    86+%
  2. 4
    11+%
  3. 3
    2+%
  4. 2
    0+%
  5. 1
    1+%
Write a Review
  • Mar 26, 2021

    By Jayne Parker
    I have never had any problems with this app, and I've been using it for 3 years now. I love the free credit report every 3 mos, dark web monitoring, child credit monitoring, as well as the sex offender notifications for my area. Experian boost is great, and I have never experienced any problems setting up my bills. Great job guys!🤗
    more
  • A Very Useful App Jul 11, 2020

    By Papasamurai8
    Knowledge is potential power. One big problem I had in trying to become a better steward of my finances was to know my current credit score. Seeing that a good score provides ready access to securing any big purchases, I realized that I needed a reliable app to know, at least, where I stand credit-wise. The Experian app provides me this opportunity. It’s very useful. The app allows me to see all three credit scores. Moreover, it shows what financial activities are helping and hurting my credit score. Finally, the Experian app gives me alerts as to what is happening with my credit information in real time. This useful information helps me rethink my purchases and it’s potential impact on my credit rating. As a result of this knowledge, my credit score increased from the low 500’s to the mid 700’s in about three years. I recommend this app to anyone who is serious about obtaining a better credit score.
    more
  • Apr 7, 2021

    By Paul Jacoby
    Could be better.... this app offers to give you your credit score the FICO score then they charge you to see your other two numbers this is borderline on being a scam when I could go to the other sites Experian Transunion and Equifax have their own app why don't I just get there apps as well and not pay the fee hey I got a great idea why don't you be better than everybody else and offer all three for free then who would be Better ......???
    more
  • Credit score increase of 80 points Jul 9, 2019

    By Mike0087654
    Since downloading the Experian app and being able to explore all of my account balances, installment accounts & balances, & collections on my credit report, I’ve paid all collections off and have been closely monitoring my report. Since I first downloaded the app, about 3 months ago now, by being very proactive and dumping a bunch of money into my accounts and erasing collections my score has shot up 80 points over the three months and continues to rise every time a new score update is available. This is all because now I am working towards having optimal credit so I can refinance my car and maybe even purchase a house. Having good credit definitely makes your life much easier, so if you care about your credit score, this will help you monitor it and put your money somewhere it should go so that it will be beneficial to you later. Thank you for reading.
    more
  • Excited AND Amazed Jul 28, 2020

    By princess morebucks
    After learning of Experian Boost I did a ton of research and was both excited and ready to give it a try. I haven’t had the best track record as it pertains to managing my credit and ensuring I am in a good and healthy financial position but decided I wanted that to change. In the hour that I have been with the program I have boosted my score 78 points, utilized simulations available via the app to see decisions I CAN make to continually increase the health of my credit, learned the unhealthy decisions I have made which have affected me negatively,been matched with lenders to “thicken” my “thin” file, and enrolled in credit lock/monitoring. The research I did on this product betrayed the ACTUALITY of how great and much needed this product REALLY is! I, with the utmost sincerity, highly recommend EVERYONE, regardless of your credit health, to enroll in Experian Boost. You are doing yourself a great disservice in NOT researching and joking for yourself!!!
    more
  • Mar 26, 2021

    By Lola F
    The app was working fine for the 3 months of payments necessary to use boost. But lo and behold as soon as you get your 1st boosts your bank accounts and credit cards used to pay bills mysteriously become unlinked. Good thing I didn't waste money on a paid membership. Credit Karma is much better and is actually reflective of your real credit scores.
    more
  • Unavailable to do a credit boost I’ve never a credit card Nov 17, 2020

    By junaejj
    Experian has my banking account information so I can pay for the service and every time I try to boost my credit score I am being told that my bank isn’t on the list of banks I’m with a railroad FCU and don’t understand why my bank isn’t on their list but they’re able to get a payment from my bank account for there service. All my utilities have always been paid on time no question. I will not let my kids go without heat/ AC, or a home. I’m completely disabled due to secondary progressive multiple sclerosis and I still have 2 children at home All I have is student loans and I’m working to have them completely wiped off but I’m unable to fill out the paperwork because my handwriting is completely unreadable because the Multiple Sclerosis affects my right side of my body and left side of my brain. I have lost my registered nursing degree because I’m completely disabled after having MS for 23 years. I have lost both my parents so I have no help anymore or support. I’m happily divorced from a narcissist who was emotionally and verbally abusive and wanting me to pay him for the 50/50 custody of which I have my children 90% of the time . I’m looking for a break please.
    more
  • Apr 5, 2021

    By Silent Butter Bruh
    Worst app. Everytime I change my password I write it down. For some reason every single time before my subscription day I can't log in and afterwords, forcing me to make a new pw as if they are trying to force a sub on me. My last time subscribing. Just use a different app. They also can't even generate a score for me because there "isn't enough history." Yet other platforms can? What am I paying for if other free services can. Waste of money.
    more
  • Experian, facilitator of ID theft Sep 28, 2018

    By chanto!
    Experian is the absolute WORST credit reporting agency and a _facilitator_ to fraud. Bunch of shills posting positive reviews, be aware. I’m a recent ID theft victim and I’m going through the aftermath of freezing and monitoring my credit. If the 3 companies, this is the only one that I cannot reach a human to resolve my registration issue. This app throws an error and advises you to call a number, which routes you to automated machines that tend to disconnect on you before you can speak to anyone. As others have faced, I’m still not able to register so that I can monitor my credit activities. Now back to the facilitator to fraud assertion, shortly after I noticed fraudulent accounts and credit applications were opened under my name, I ran credit report checks on all 3 reporting services. Of the 3, only Experian shows soft and hard queries were performed on my account, additionally the queries were performed by Experian or Experian-affiliated businesses. I truly believe there’s still backdoors in Experian’s network infrastructure that they have not patched since their last security breach. My advice is for you to find any and all ways to freeze/lock your experian reporting to prevent being an ID theft victim yourself.
    more
  • App is buggy. Customer service is terrible. Mar 18, 2019

    By Imyopusha
    Downloaded this app to help improve my credit score. I locked my credit then unlocked it to try to apply for another credit card. Got a notification that the CC company couldn’t run a credit report because my Experian report was locked. It was not locked, I made sure of that. Had to search around for the number to talk to an actual person because the number they provide only gives you automated options. Finally got in the queue to talk to someone, waited 15 minutes and explained to the lady (who was clearly not from the US) and explained the situation to her. She answers with “there’s no lock on your credit,” so had to explain the situation AGAIN to her, which she then proceeds to check if there are any locks on my credit (SERIOUSLY?). As I’m trying to explain AGAIN the situation, the call drops. I get no call back from anyone and waited in line again for 10 minutes (and I’m at work this whole time) and decide to just hang up. PLEASE get better customer service. I don’t care if you outsource but if they can’t understand what I’m trying to explain, there’s a huge disconnect and it only make your customers even more frustrated.
    more
  1. Smart Analytics combined with a vast pool of credit data makes matching you with the right credit card easy
  2. Swipe through fun-to-use Account Bubbles to view credit accounts, inquiries & public records effortlessly
  3. Fingerprint sign-in is secure, fast and super efficient

Reviewed by Laura S on December 11, 2017

  • Mar 26, 2021

    By Jayne Parker
    I have never had any problems with this app, and I've been using it for 3 years now. I love the free credit report every 3 mos, dark web monitoring, child credit monitoring, as well as the sex offender notifications for my area. Experian boost is great, and I have never experienced any problems setting up my bills. Great job guys!🤗
    more
  • A Very Useful App Jul 11, 2020

    By Papasamurai8
    Knowledge is potential power. One big problem I had in trying to become a better steward of my finances was to know my current credit score. Seeing that a good score provides ready access to securing any big purchases, I realized that I needed a reliable app to know, at least, where I stand credit-wise. The Experian app provides me this opportunity. It’s very useful. The app allows me to see all three credit scores. Moreover, it shows what financial activities are helping and hurting my credit score. Finally, the Experian app gives me alerts as to what is happening with my credit information in real time. This useful information helps me rethink my purchases and it’s potential impact on my credit rating. As a result of this knowledge, my credit score increased from the low 500’s to the mid 700’s in about three years. I recommend this app to anyone who is serious about obtaining a better credit score.
    more
  • Credit score increase of 80 points Jul 9, 2019

    By Mike0087654
    Since downloading the Experian app and being able to explore all of my account balances, installment accounts & balances, & collections on my credit report, I’ve paid all collections off and have been closely monitoring my report. Since I first downloaded the app, about 3 months ago now, by being very proactive and dumping a bunch of money into my accounts and erasing collections my score has shot up 80 points over the three months and continues to rise every time a new score update is available. This is all because now I am working towards having optimal credit so I can refinance my car and maybe even purchase a house. Having good credit definitely makes your life much easier, so if you care about your credit score, this will help you monitor it and put your money somewhere it should go so that it will be beneficial to you later. Thank you for reading.
    more
  • Excited AND Amazed Jul 28, 2020

    By princess morebucks
    After learning of Experian Boost I did a ton of research and was both excited and ready to give it a try. I haven’t had the best track record as it pertains to managing my credit and ensuring I am in a good and healthy financial position but decided I wanted that to change. In the hour that I have been with the program I have boosted my score 78 points, utilized simulations available via the app to see decisions I CAN make to continually increase the health of my credit, learned the unhealthy decisions I have made which have affected me negatively,been matched with lenders to “thicken” my “thin” file, and enrolled in credit lock/monitoring. The research I did on this product betrayed the ACTUALITY of how great and much needed this product REALLY is! I, with the utmost sincerity, highly recommend EVERYONE, regardless of your credit health, to enroll in Experian Boost. You are doing yourself a great disservice in NOT researching and joking for yourself!!!
    more
  • Apr 5, 2021

    By Mark Chaffins
    Never thought I would use a tool like this to see where I'm at financially. It is fun to watch that score climb. It sucks when it goes backwards but at least if it does, it is spelled out for you so you know what needs done to begin the repair process.
    more
  • Little to no customer service May 5, 2019

    By Ange613
    I was really enjoying this app! I recently purchased a new phone and I have been unable to log back in to the Experian app since. I have contacted the customer service number multiple times. It loops you to where you never get a live person. The automated messages continually tell me to log in for assistance, but I can’t log in! I even tried email prompts and changing my password. Not sure what else to do! I am still getting email alerts about “changes to my credit” but I can’t log in to see them. Such a bummer. Prior to this issue, I was a fan of the app and the conveniences it offered in keeping me on track with my credit monitoring. I felt secure knowing that if there was ever an issue, I’d be alerted right away. I have been pretty frustrated with my attempts to make contact with someone who can assist me in gaining access to my account again!
    more
  • Excellent app but Experian Boost didn’t work 😔 Oct 6, 2019

    By 11thDimension
    This is the most accurate “view” of my credit but, unfortunately, the Experian Credit Boost did not work when I connected my bank account. This would really improve my scores, too. Otherwise, I would have given 5 stars. Credit Karma is awful and free for a reason, always encouraging me to sign up for unnecessary credit and loans and just a garbage cellphone app. Experian never tries to “sell” you with unnecessary garbage you don’t want or need. They only notify me when they see any ACCURATE changes to my credit reports. If I could get the Boost to work and see 25+ years of bills paid on time, and in full, I would give 5 stars! Also, this app works flawlessly on my iPad.
    more
  • Decent Mar 30, 2018

    By NewStudent109
    I only got this app so I could check my credit reports on the fly, and based off that criteria alone, it's a pretty good app for that. The only problem is it won't let me check my transUnion and Equifax reports although I purchased the package that would let me check all three at once. I'm pretty disappointed but I figured it sounded too good to be true. If you have made the same mistake as me and purchased one of these packages, DON'T CALL THEM. Instead, go onto your computer and sign into your profile, navigate to memberships and at the very bottom in small letters, there's an option to change your membership ONLINE. This worked for me and I'm back to a free membership, I hope it helped anyone else out there who needed help.
    more
  • Not working any more(update) Feb 9, 2021

    By BigAl53
    UPDATE: was contacted by support and they are actually interested in fixing the issue. Not working yet so no 5 stars but it definitely is a five star program when it works. And the fact that support actually seems to BE supporting, this warrants bringing the rating up immediately. (Used to love this app. I could keep up with my credit easily. Now all I get is an “error loading data” message on anything having to do with credit. I’ve uninstalled it and reinstalled but nothing seems to fix the problem and this has been going on now for several weeks. There has been an update to the app that didn’t have any effect. Right now the app is useless to me )
    more
  • Good except annoying Alert numbers Jan 26, 2019

    By kcTubbesing
    This is a good app for controlling your credit and being informed about it. Annoyingly, Experian does not allow you to clear the frequent reporting notifications that are symbolized by the white number in a red circle on the top of their icon without going through each and every one of the alerts one by one. Anyone with normal credit history will find that you will have a dozen or more of these built up in short order and you have to go through each of them by clicking into and clearing them individually in order to get rid of the number which means the number and it’s alert is perpetually present on your homepage and therefore useless.
    more
  • Apr 7, 2021

    By Paul Jacoby
    Could be better.... this app offers to give you your credit score the FICO score then they charge you to see your other two numbers this is borderline on being a scam when I could go to the other sites Experian Transunion and Equifax have their own app why don't I just get there apps as well and not pay the fee hey I got a great idea why don't you be better than everybody else and offer all three for free then who would be Better ......???
    more
  • Keeps me up to date, almost. But ..... Mar 14, 2020

    By Averym7
    Let’s me know in latent real time what’s going on with my credit. But offers very little real help in combatting incorrect information or recently helping to dispute a late payment with my mortgage which my bank has already written a letter to and they ignored. If Experian were to be really on the consumer side they would over ride the false late reporting, supported by Chase Bank. I haven’t missed a payment on anything in 4 years. Stay away from Sunwest Mortgage; not consumer friendly, they do not do digital notifications or secure email unless it suits them. They also keep you on hold for hours, constantly transferring you, never really helping to see all data or see the big picture. Had they properly communicated a transaction that “hung”, I wouldn’t have to waste my time correcting a mistake which could have been easily resolved with modern communication. So when Experian can be objective, I would improve my rating; now they are just complacent in this issue.
    more
  • Good could be better Apr 26, 2020

    By Differentways
    I like some of the initial interface. The score right away. It is the best for the money in my opinion. But For the money, it should have current, not old, transunion and equifax scores. Also, it’s very difficult to get full score info, i.e. current report info to see what exactly is going on, lender by mender. This should include which balances are changing. Also, there should be a way to contact experian real time to have interaction about issues. Also know how often updates will happen. In this time of global financial stress, the credit agencies should be a bit more lax about lowering people’s scores for balance increases. Of course our balances are going up. Even I, as an essential (food) business owner, am intelligently availing myself and the business of deferral opportunities, which are essential to our survival in this environment. But on the whole this is a better app than credit karma, transunion, or equifax.
    more
  • It’s alright Aug 20, 2020

    By 1unostar
    There are some goods to this app. If you play the monthly fee; They’ll show you all of the registered sex offenders in your area, they will provide some information about your social and so forth and they're really help you with some dispute. On the bad side; not sure who’s more accurate between them and credit karma,. My score on credit karma right now is 697 and 693 but on experian,. The main score shows 653 but the highest they’ve shown is 666. I signed up for the $9 a month plan or $19. One of which, I’m suppose to get daily updates but it shows that I’ve used 30% of my credit card when in fact on a $2500 credit card i only owe $109 and that has been nearly a week now, so what every happens to the daily updates? I can totally understand if my highest score on credit karma being 697 and you guys show me 687 but from being shown 697 on the other side to 653 on your side is a huge gap.
    more
  • Fair, helpful, on-time, and make me feel good about my progress Oct 20, 2019

    By faydy
    (Fair) Most of credit agency look at all of us as machines and forget about our feeling and are not sensitive. (Helpful and on-time) if you have any complaint Experian act immediately on my behave to correct the problem and update your record immediately and other agencies to from a month to three months to update your credit report. (Make me feel good) Experian e-mail me warnings and assist me to take care of my financial affaires specially during the tough time I am going through divorce & start of a new business. Thank you Experian and I am planning to sign up as a member this month. By the way, I travel a lot and I would like to have access during my travel to overseas.i want to write a lot more but maybe some other time .., I urge you to continue doing what you are doing .. I love it and thank you very much.. Cheers
    more
  • Unavailable to do a credit boost I’ve never a credit card Nov 17, 2020

    By junaejj
    Experian has my banking account information so I can pay for the service and every time I try to boost my credit score I am being told that my bank isn’t on the list of banks I’m with a railroad FCU and don’t understand why my bank isn’t on their list but they’re able to get a payment from my bank account for there service. All my utilities have always been paid on time no question. I will not let my kids go without heat/ AC, or a home. I’m completely disabled due to secondary progressive multiple sclerosis and I still have 2 children at home All I have is student loans and I’m working to have them completely wiped off but I’m unable to fill out the paperwork because my handwriting is completely unreadable because the Multiple Sclerosis affects my right side of my body and left side of my brain. I have lost my registered nursing degree because I’m completely disabled after having MS for 23 years. I have lost both my parents so I have no help anymore or support. I’m happily divorced from a narcissist who was emotionally and verbally abusive and wanting me to pay him for the 50/50 custody of which I have my children 90% of the time . I’m looking for a break please.
    more
  • Apr 2, 2021

    By Hank Ruz
    Not liking the update. I like this app. What I don't like is that they changed the alerts section. This is a very important feature when using this app. It no longer shows up in the upper right corner which was super useful. Now, in order to have to look at the alerts you have to clickon the bottom right corner where is says "more" and then you can click on the alerts section to see this very useful very important feature of this app. They've made it an additional step to be able to get to it
    more
  • Mar 28, 2021

    By Paul Maurin
    At first this app seemed really cool, with some real benefits. The problem seems to be that it just doesn't function well.ive had accounts eligible for boosting now for months, but everytime I hit the verify boost button all it does is spin, without exception! I've tried contacting experian where support has written up two fix tickets, and nothing changes. Not sure If it's incompetence or what exactly is going on, but be aware of the possible drawbacks if you choose their premium service.
    more
  • Mar 26, 2021

    By Bell Keys
    Experian app before was doing good job, but lately is not that great anymore! In this time when is very hard for people to keep the credit good, they aren't helping by update the files on time when the debt decreases! For example: 1) You do your hard work to bring the debt down, in this case they take very sweet time to update the score. 2) But when you have increase your debt by using your credit cards little be more... right away they decrease the score. For negative they update fast.
    more
  • Apr 3, 2021

    By Kyla Linnen
    This app worked for 1 month, just enough to give me a little boost, and then all of a sudden, it can't connect to my bank, my credit info hasn't updated in over a month, and it doesn't work for all my subscriptions. Little isms to try to get you to update membership I'm sure. It's just bogus. False advertising at it's best.
    more
  • Mar 26, 2021

    By Lola F
    The app was working fine for the 3 months of payments necessary to use boost. But lo and behold as soon as you get your 1st boosts your bank accounts and credit cards used to pay bills mysteriously become unlinked. Good thing I didn't waste money on a paid membership. Credit Karma is much better and is actually reflective of your real credit scores.
    more
  • Apr 5, 2021

    By Silent Butter Bruh
    Worst app. Everytime I change my password I write it down. For some reason every single time before my subscription day I can't log in and afterwords, forcing me to make a new pw as if they are trying to force a sub on me. My last time subscribing. Just use a different app. They also can't even generate a score for me because there "isn't enough history." Yet other platforms can? What am I paying for if other free services can. Waste of money.
    more
  • Experian, facilitator of ID theft Sep 28, 2018

    By chanto!
    Experian is the absolute WORST credit reporting agency and a _facilitator_ to fraud. Bunch of shills posting positive reviews, be aware. I’m a recent ID theft victim and I’m going through the aftermath of freezing and monitoring my credit. If the 3 companies, this is the only one that I cannot reach a human to resolve my registration issue. This app throws an error and advises you to call a number, which routes you to automated machines that tend to disconnect on you before you can speak to anyone. As others have faced, I’m still not able to register so that I can monitor my credit activities. Now back to the facilitator to fraud assertion, shortly after I noticed fraudulent accounts and credit applications were opened under my name, I ran credit report checks on all 3 reporting services. Of the 3, only Experian shows soft and hard queries were performed on my account, additionally the queries were performed by Experian or Experian-affiliated businesses. I truly believe there’s still backdoors in Experian’s network infrastructure that they have not patched since their last security breach. My advice is for you to find any and all ways to freeze/lock your experian reporting to prevent being an ID theft victim yourself.
    more
  • App is buggy. Customer service is terrible. Mar 18, 2019

    By Imyopusha
    Downloaded this app to help improve my credit score. I locked my credit then unlocked it to try to apply for another credit card. Got a notification that the CC company couldn’t run a credit report because my Experian report was locked. It was not locked, I made sure of that. Had to search around for the number to talk to an actual person because the number they provide only gives you automated options. Finally got in the queue to talk to someone, waited 15 minutes and explained to the lady (who was clearly not from the US) and explained the situation to her. She answers with “there’s no lock on your credit,” so had to explain the situation AGAIN to her, which she then proceeds to check if there are any locks on my credit (SERIOUSLY?). As I’m trying to explain AGAIN the situation, the call drops. I get no call back from anyone and waited in line again for 10 minutes (and I’m at work this whole time) and decide to just hang up. PLEASE get better customer service. I don’t care if you outsource but if they can’t understand what I’m trying to explain, there’s a huge disconnect and it only make your customers even more frustrated.
    more
  • Experian is the worst Nov 13, 2020

    By steveymark
    Experian will lower my credit score for no reason. All my payments are made on time, credit usage will be low, not one thing will be done differently and yet they will lower my score.I will check my score with the other two majors and it will be up but yet experian sees fit to lower it. And they are always recommending that I get a new credit card from one of their partners. But their partners charge an annual fee and interest on all purchases. And their “boost” is a joke the other two majors have my score at a higher level without having a “boost”. They constantly tell me that another credit card may help my score but when I got another card they lowered my score. They more than likely lowered it because the card I got was not from one of their “partners “. One day after emailing them to point out their BS they dropped my score 6 points and deleted my boosted account. This is an update; one day after writing the above review, experian dropped my score by 14 points! Another update; the first time I was critical of experian they dropped my score by 6 points and deleted my boosted account. This occurred the day after sending them a criticizing email.
    more

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