Experian‪®‬ 4+

Control Your Credit & Finances

Experian

    • Free
    • Offers In-App Purchases

Screenshots

Description

Get your Experian credit report and FICO® Score* with a free Experian membership—no credit card needed! Learn how to instantly raise your FICO Score with Experian Boost®ø, get notified about changes to your credit and more. You can even open a new Experian Smart Money™ Digital Checking Account—it’s FDIC insured with no monthly fees or minimum balance¶ (see terms at experian.com/legal).

GET STARTED FOR FREE

• Experian credit report & FICO® Score*

Check your FICO Score and credit report anytime, anywhere—it won’t hurt your credit. Sign in for updates 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 like your cell phone, utilities, video streaming services & eligible rent payments.

• Experian Smart Money™¶

The Experian Smart Money™ Digital Checking Account helps you build credit without debt by automatically connecting to Experian Boostø!

• 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.

• Money management

Connect external bank & credit card accounts to see all your income, transactions and balances in one place.

• Marketplace^

Compare credit card, loan or insurance options matched to your unique credit profile.

PREMIUM BENEFITS

• Bill negotiation & subscription cancellation**

Save time and money when our experts negotiate your bills to get your best price! We'll even cancel subscriptions you no longer use.

• Experian CreditLock***

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

TERMS

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

¶The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.

‡To be eligible for the $50 bonus, your Experian Smart Money™ Digital Checking Account must be credited with at least $1,000 in direct deposits within 45 business days of opening your account, and your account must stay active and in good standing at the time the bonus is paid. The bonus will be deposited into your account within 10 business days, once earned. Terms and conditions apply.

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 subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any 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.

©2023 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

What’s New

Version 4.1.3

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.

Ratings and Reviews

4.8 out of 5
2.3M Ratings

2.3M Ratings

Elisha's ,

Take a note from credit karma

Experian is very subpar. My credit score that is displayed when I first open the app is never accurate; I even have alerts in the app that say my supposed current score(cause it’s always different from my other two scores) yet the score displayed is still old by over three months once. Also, this score fluctuates A LOT for no reason. Compared to my Transunion and equifax scores that I monitor on credit karma, that is always reflected accurately and quickly after any changes, this score drops all the time for no reason, and there is no reason stated and I haven’t done anything risky besides pay my bills, and there is no way to find out. Whereas, in credit karma it tells you exactly what changed, when something actually does change in my life like I’m reducing balances paying bills or applying for cards etc., and why it changed and it is very easy to find. Also boost so far is misleading. I added a phone bill and it boosted my score 6 points, then just as quickly dropped my score 6 points because I added a new credit account to my profile.

Developer Response ,

Hello Elisha. Thanks for the feedback on our app. If you would like further assistance or additional information, please contact us via AppSupport@experian.com. We’d be happy to help you further. Thank you. -Maggie

OceanYachts ,

Hmm I’m Beginning To Wonder

I’ve been using the Experian app for quite sometime now. I was glad when things were found incorrect on my personal information on my credit report. It was great to get them cleared up.
Here’s my BIGGEST CON… I called Experian regarding issues with their Boost issues regarding to my account. In the Boost several of my utility bills were left out though I’ve been using these utilities for over 5+ years. My auto and homeowners was left out as well. Sure the Boost picked up the VERY OLD INSURANCE COMPANIES WE WERE USING BUT COULD NOT FIND THE NEW ONES? We have been with the new insurance companies for over 6 months making automatic monthly payments. WHAT MORE DOES EXPERIAN WANT?
I called Experian regarding this issue and guess what their answer was???? A BIG HANG UP!!!! NOTHING GOT RESOLVED… NOTHING - ZIP - NADA!! This now really leaves a BAD taste in my mouth.
Calling back is out of the question. For what…wait another 45 minutes for someone to transfer me to someone else then to someone else again? And the worse part is I could barely understand these people with their heavy accent. I blame Experian for all of this. Certainly not their employees.
Experian hires the cheapest people they can find and we as the consumer pay for it. Experian should learn some great customer service skills from a great company like Apple. Keep jobs here and with people whom we can understand…

Developer Response ,

Hi there. We’re sorry that we didn't meet your expectations. We would love to help you with this. Please send us message through your membership or reach out to us on social media for assistance. Thank you. -Vivian

Clearance217 ,

The worst

Signed up for free subscription. Tried to cancel within 10mins as the app said you can cancel anytime within the specified period of time. App won’t let me cancel the subscription. I went through the app and found the section to cancel membership/subscription but when you click that section it continually loads and never populates. I don’t have any connection issues and I’m connected to Wi-Fi and everything else in the app works perfectly fine and loads right away; but, mysteriously, when you try to cancel it won’t populate. Guess what else won’t populate within the app? Contacting support. That doesn’t populate either. Sure, they show you the link to click in the app but it takes you to a screen that never loads so you cannot contact them and you can’t cancel like they stated you can. This is a scam. This isn’t right. This is wrong. I had payed for them in the past on the web (not the app) and when I tried to cancel there I also ran into issues: they couldn’t verify my identity in order to cancel. I signed up for the app to get my credit score as my veteran friend advised me to do like he did but it wouldn’t show me my credit score (I have one btw and other places have showed me that in the past) but some how I can’t see my score through experian and they get you to signup but then block you from canceling. What a joke of a company. No one should use this product.

Developer Response ,

Hi there. Thanks for reaching out to us. We are happy to help. Can you please reach out to us via social media on Facebook, Twitter, or Instagram? If you do not have access to social media, please contact us via the Contact Us section on your membership. We’d be happy to help you further. Thank you. -Lori

App Privacy

The developer, Experian, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like

TransUnion: Credit Monitoring
Finance
myFICO - FICO Score Monitoring
Finance
Credit Sesame: Build Score
Finance
Lock & Alert
Finance
Impact Credit Scores - Self
Finance
Capital One CreditWise
Finance