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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
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
1.2M+ Ratings
  1. 5
    86+%
  2. 4
    11+%
  3. 3
    2+%
  4. 2
    0+%
  5. 1
    1+%
Write a Review
  • Jan 18, 2021

    By Adrik0622
    Pretty awesome app. Works very smoothly and gives me the information I want very quickly. I don't usually hand out 5 star reviews, but this app does what it's supposed to do very efficiently and is designed very ergonomically, and it's free.
    more
  • Jan 14, 2021

    By Trey Harris
    I did like this app until I haven't been able to login for over a month. It keeps giving me an error message and wont let me try to change my password or login with my email. It keeps saying something is wrong with the server and sorry for the inconvenience.
    more
  • Jan 13, 2021

    By Darkeesha Sims
    I like the fact that I can log into the app and see my score immediately. I think the app is aesthetically pleasing and easy to navigate. I also like all the info offered there like card matching and how to boost your credit. Although I dont need any of that I think it is a good feature for people who are looking or rebuilding.
    more
  • Jan 19, 2021

    By Shirley Rojas
    I absolutely love this app. Before we couldn't have access to our credit so easily but Expieran stepped up to the plate! Thank you Expieran for giving us the opportunity to fix what's been holding us back from obtaining financial freedom. 2 thumbs up!👍👍
    more
  • Jan 13, 2021

    By Jessenia Rodriguez
    This app is great for keeping track of your "real" Experian fico score; however when you pay the approximate $30 a month for all three scores.. you LITERALLY have to wait every 30 days until all your scores are visible and refreshed on all three credit bureaus. So you cannot see your scores from Transunion and Equifax until that 30th day.
    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
  • 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
  • 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
  • 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
  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

  • Jan 18, 2021

    By Adrik0622
    Pretty awesome app. Works very smoothly and gives me the information I want very quickly. I don't usually hand out 5 star reviews, but this app does what it's supposed to do very efficiently and is designed very ergonomically, and it's free.
    more
  • Jan 13, 2021

    By Darkeesha Sims
    I like the fact that I can log into the app and see my score immediately. I think the app is aesthetically pleasing and easy to navigate. I also like all the info offered there like card matching and how to boost your credit. Although I dont need any of that I think it is a good feature for people who are looking or rebuilding.
    more
  • Jan 19, 2021

    By Shirley Rojas
    I absolutely love this app. Before we couldn't have access to our credit so easily but Expieran stepped up to the plate! Thank you Expieran for giving us the opportunity to fix what's been holding us back from obtaining financial freedom. 2 thumbs up!👍👍
    more
  • Jan 12, 2021

    By Zandra Santana
    Enlightening!!! I've been keeping an eye of my "Real-Time" credit scores plus the notifications of changes. Is easy to use, easy to understand and monitor your credit. I'm working my credit to buy my 1st home and this app has made a huge difference/impact.
    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
  • Jan 13, 2021

    By Robert Platts
    Only been using it for a short period of time. It doesn't recognize all of your bills for getting credit in the boost section. Very complicated to add unrecognized companies.
  • 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
  • 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
  • Jan 14, 2021

    By Trey Harris
    I did like this app until I haven't been able to login for over a month. It keeps giving me an error message and wont let me try to change my password or login with my email. It keeps saying something is wrong with the server and sorry for the inconvenience.
    more
  • Jan 13, 2021

    By Jessenia Rodriguez
    This app is great for keeping track of your "real" Experian fico score; however when you pay the approximate $30 a month for all three scores.. you LITERALLY have to wait every 30 days until all your scores are visible and refreshed on all three credit bureaus. So you cannot see your scores from Transunion and Equifax until that 30th day.
    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
  • 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
  • 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
  • Dispute Issues / Transfer of data through automated call Mar 27, 2019

    By *JBEAUX*
    I joined Experian today and noticed an unapproved hard inquiry. The app would not let me dispute and relayed me to the online account, the online account would not allow me to dispute and said I needed to call. There is not a dispute option on the automated call options so I choose the fraud option. I’m on hold now and will update accordingly. The app navigation could be better but the pertinent information is there. UPDATE: still on hold, 15 minutes... someone picked up and said they would transfer me to the fraud dept. although that was the choice I made at the beginning of the automated call. Also, i entered my SS# at the beginning of the automated call and was still asked to give it aloud which is not very secure in an office environment. The fraud personnel were very concise and thorough during the call though and quickly resolved the issue and provided me with all information I requested.
    more
  • Rarely updates Jun 18, 2020

    By Mrs hargrove
    Had the app for a few months now, thought cc companies weren’t reporting, when I attempted to dispute I noticed the info was updated in that area but the home screen continues to show an old balance and old credit score. I have been patiently waiting for my score and payment to update but it’s been 2 weeks now and nothing happened. I’ve refreshed, removed app and still nothing. Makes me wonder why would I actually pay for updates on cc scores when I can’t trust that I will receive real time information. Oh I also spoke with Experian representative and I was told “ no one is sitting around waiting to input updates, it will be done in a week or so” welp that time has pass and app is not updated.
    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
  • 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
  • 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
  • Jan 12, 2021

    By T R
    Fraud! DO NOT PAY FOR SUBSCRIPTION! Continually charges you a membership and despite allowing you to cancel, it will continually charge your card. Only way to contact is via mail or automated attendant that will eventually cancel your call regardless of which prompt you select. How can you not have a customer service email department? Will be contacting an attorney for reimbursement and hardship.
    more

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