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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 948K+ Reviews 5M+ Downloads
Featured on Top Apps for Fixing a Bad Credit Score

About Experian - Free Credit Report & FICO® Score

Instantly increase your credit scores for free. Only with Experian Boost™!
see more about Experian - Free Credit Report & FICO® Score

Ratings & Reviews

4.8
947.8K+ Ratings
  1. 5
    86%
  2. 4
    11%
  3. 3
    2%
  4. 2
    0%
  5. 1
    1%
  • Sep 13, 2020

    By kevin britton
    this app is good It's very easy to use it keeps me pretty up to date. Only problem I have found is my credit score has been pretty low but it's slowly getting back to normal but the boost feature does not seem to find my wireless or internet bills that I've been using for quite a long time now which I know would help my credit score. All in all though not bad gives you a good ballpark idea and tries to help you match up with credit cards that are within your reach or loans with higher interest.
    more
  • Sep 9, 2020

    By Ethan Norville
    Amazing algorithms. Initially, I didn't think I would have much use for this app. I was wrong. The credit card recommendations are stellar—they're very accurate and helped me get cards I didn't even know I was qualified for. This app gave me great additional access to my credit score and helped me get the benefits I deserved from it. Definitely recommend!
    more
  • Sep 13, 2020

    By Mendy Douglas
    LOVE LOVE LOVE this app!!! Great for getting all 3 FICO scores from the 3 credit bureaus. Also great for challenging wrong inquiries on your repirt. Fast process with results. I've raised my score almost 200 points in a year and use this app every day. I was OBSESSED with cleaning my credit up. This app makes it easy to see all your FICO scores, your credit tepirts, and doing challenges.
    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
  • Sep 18, 2020

    By Lauryn Jackson
    Seamless and easy to navigate. I appreciate the ability to access my scores as well as the informative tidbits that show me easy and effective ways to increase my score. Oh, and lets keep it real...the experian boost is a plus because it only utilizes the accounts that benefit me (legit). Overall, I have honestly not had any complaints.
    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
  • Horrible, I can’t even get in Jan 17, 2020

    By deesmooth92
    So I downloaded this app thinking it was my first time using it, but according to them it’s not, so I had to get my login info, which wasn’t hard. But everytime I sign in, it tells me to complete my registration info, which I do, but then once I finish that, it takes me back to the screen for me to sign in again, and then I just complete the same process over and over again. Tried contacting the customer service number on the app, but of course you can’t get through to ANYONE and instead you have to listen to a audio recording telling you the exact same thing that already isn’t working. When I tried to change my password again on the customer service line, they were supposed to email me a link to do so, which I have yet to receive. I’m like 95% sure that I’ve never even used this service before (I don’t have ANY emails from them, not even from the past when I search through my old emails) so the fact that I’m even going through this is baffling and the horrible customer service isn’t helping at all. It’s like it’s letting me sign in, but it’s not at the same time and just has me going in circles. Just stupid.
    more
  • Sep 18, 2020

    By Claudine Harmon
    Extremely frustrating! I have been locked out of my account for over a year. I do NOT have access to the email it was originally set up with. So there is NO WAY to get the emails the automated sends. And I cant get to a person to fix it again. I did once but i had to leave a message and everytime they called back I was at work. Fail all the way around...Still over a year locked out with no help 😡
    more
  • Sep 23, 2020

    By Susan Herrick
    This app is horrific. I have tried about 25 times to set up and it keeps saying somehow the process failed and to call a certain phone number. That phone number leads you to a couple of choices that do not apply at all on a voicemail and if you pick one of those you get dead ended again and they hang up on you when you don't pick anything. There is no option to talk to customer service at all.
    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

  • Sep 13, 2020

    By kevin britton
    this app is good It's very easy to use it keeps me pretty up to date. Only problem I have found is my credit score has been pretty low but it's slowly getting back to normal but the boost feature does not seem to find my wireless or internet bills that I've been using for quite a long time now which I know would help my credit score. All in all though not bad gives you a good ballpark idea and tries to help you match up with credit cards that are within your reach or loans with higher interest.
    more
  • Sep 9, 2020

    By Ethan Norville
    Amazing algorithms. Initially, I didn't think I would have much use for this app. I was wrong. The credit card recommendations are stellar—they're very accurate and helped me get cards I didn't even know I was qualified for. This app gave me great additional access to my credit score and helped me get the benefits I deserved from it. Definitely recommend!
    more
  • Sep 13, 2020

    By Mendy Douglas
    LOVE LOVE LOVE this app!!! Great for getting all 3 FICO scores from the 3 credit bureaus. Also great for challenging wrong inquiries on your repirt. Fast process with results. I've raised my score almost 200 points in a year and use this app every day. I was OBSESSED with cleaning my credit up. This app makes it easy to see all your FICO scores, your credit tepirts, and doing challenges.
    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
  • Sep 18, 2020

    By Lauryn Jackson
    Seamless and easy to navigate. I appreciate the ability to access my scores as well as the informative tidbits that show me easy and effective ways to increase my score. Oh, and lets keep it real...the experian boost is a plus because it only utilizes the accounts that benefit me (legit). Overall, I have honestly not had any complaints.
    more
  • Sep 9, 2020

    By Thomas Ringlein
    Good credit app right from the source. It could give more detailed info. Things like "one account with late payment" and "credit card balance too high" would mean more with some detail. Otherwise, much better than the "other" credit apps that flood you with ads for loans and credit cards and provide you credit ratings that wildly fluctuate for no apparent reason. I trust this app more.
    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
  • 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
  • Sep 7, 2020

    By Carl Lacey
    The App is friendly enough but they continually bombard you with advertisements for new cards, insurance and other useless offers that will only lower your score if you take advantage of them. Experian is also quick to lower credit scores but very slow to raise them. After many months of eliminating all my debt and paying everything off and on time, there is a 40 point difference between Experian and Transunion/Equifax. Credit Bureau's are a scam.
    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
  • Sep 15, 2020

    By Charles Allen
    Update #3 So after getting a call from an developer I was able to finally get registered and logged in. There are a lot of changes to the app and support to be made to make this a better experience. Now my issue is an Experian score is not available. The 3 possible issues listed as possible cause don't apply to me, and my other 2 scores are available on the app. So I have no idea what the issue is now. It shouldn't be this difficult.
    more
  • Sep 10, 2020

    By Dragonu2hell
    App works great but if you upgrade and decide you don't want to continue paying for the premium features the app itself doesn't give you the option to go back to a normal one at least not after it wants the money. No I cannot because your app doesn't let me log in the only thing I see is it asking me to pay $19.99 when I open the app there is no other option or selection I can't go into the app until I pay the money which I'm not doing
    more
  • Sep 18, 2020

    By Diego Ramos
    I have downloaded the app on a brand new phone, I also accessed the web page on a pc. On both I have been Unable to link my financial institution. I keep getting an error saying they're working on it. I tried this several weeks ago. Whats the issue? I have Citi . Please help i am specifically trying to use the BOOST feature. Thank you in advance
    more
  • Sep 13, 2020

    By Dennis T
    What is this app supposed to do again? It won't register any of my installment loans that I've been making for 2 years. The only thing this app seems to do well is recommend for me to get even more credit cards and tell me my chance of getting them is excellent then being turned down and having it negatively affect my score. If any one of the Developers sees this message - please explain to me why it's a benefit to have this app?
    more
  • Boost doesn’t work May 7, 2020

    By JL is disappointed
    So this app is great to monitor/dispute and see what is on your reports. However, the balances are never correct, the Boost option does NOT work. I have had the same bank account for 5 years...paid all my utility/phone/cable bills through it and the boost kept saying there was no bills that qualify. Huh? Comcast doesn’t qualify? My monthly cell phone payment doesn’t qualify? My electric company doesn’t qualify? Smh So I submitted all the payments I’ve made through the “feedback” section and nothing. No change and it still says nothing qualifies. Also my other bank account pops up to sync it....but says there’s a connection issue or that bank isn’t recognized. Submitted again through the feedback section...nothing. So mom and pop credit unions aren’t recognized. Only the larger-well known banks. Aside from that the app is great for what accounts are on your CR. Needs to be updated quite a bit considering you don’t exist without a credit score.
    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
  • Horrible, I can’t even get in Jan 17, 2020

    By deesmooth92
    So I downloaded this app thinking it was my first time using it, but according to them it’s not, so I had to get my login info, which wasn’t hard. But everytime I sign in, it tells me to complete my registration info, which I do, but then once I finish that, it takes me back to the screen for me to sign in again, and then I just complete the same process over and over again. Tried contacting the customer service number on the app, but of course you can’t get through to ANYONE and instead you have to listen to a audio recording telling you the exact same thing that already isn’t working. When I tried to change my password again on the customer service line, they were supposed to email me a link to do so, which I have yet to receive. I’m like 95% sure that I’ve never even used this service before (I don’t have ANY emails from them, not even from the past when I search through my old emails) so the fact that I’m even going through this is baffling and the horrible customer service isn’t helping at all. It’s like it’s letting me sign in, but it’s not at the same time and just has me going in circles. Just stupid.
    more
  • Sep 18, 2020

    By Claudine Harmon
    Extremely frustrating! I have been locked out of my account for over a year. I do NOT have access to the email it was originally set up with. So there is NO WAY to get the emails the automated sends. And I cant get to a person to fix it again. I did once but i had to leave a message and everytime they called back I was at work. Fail all the way around...Still over a year locked out with no help 😡
    more
  • Sep 23, 2020

    By Susan Herrick
    This app is horrific. I have tried about 25 times to set up and it keeps saying somehow the process failed and to call a certain phone number. That phone number leads you to a couple of choices that do not apply at all on a voicemail and if you pick one of those you get dead ended again and they hang up on you when you don't pick anything. There is no option to talk to customer service at all.
    more

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