Experian®
Experian® has 2,722,500 ratings (+0.6% in 30 days), averaging 4.8 stars, #18 of 34,598 in Finance.
Also in the last two weeksv4.2.36 on 15 Oct
Description
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Get your Experian Credit Report and FICO® Score with a free membership—no credit card needed! Apply for credit cards and loans labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not approved^^. You could save an avg of $1,007/year on car insurance^^^. Chat with the Experian Virtual Assistant™. With a paid membership, you could save an avg of $721 with Bill Negotiation & Subscription Cancellation**and get an advance with Experian Cash™ powered by Brigit^.
GET STARTED FOR FREE
■Experian Boost®ø
Raise your FICO® Score* using bills you already pay - cell phone, utilities, streaming services and eligible rent payments
■Credit monitoring
Stay informed if accounts are opened in your name, or new inquiries appear on your Experian credit report
■Marketplace^
Compare credit card, personal loan or car insurance quotes matched to your credit profile
■Financial health assessment#
Take a survey and get suggested actions to improve your overall financial health and see what steps you could take to improve it
PREMIUM BENEFITS
■Bill Negotiation & Subscription Cancellation**
You could save time and up to $721 when we negotiate and cancel your bills
■Experian CreditLock***
Protect against identity theft by locking your Experian credit file. Get real-time alerts if someone applies for credit in your name while locked
■Experian Cash™ powered by Brigit##
Get a $25-250 advance when you need it most
TERMS
See experian.com/legal for Terms of Use Agreement, Privacy Policy, Marketplace Licenses & Disclosures, Insurance State Licenses and Insurance Carrier Partner Details.
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 eligible. Savings not guaranteed. $721 avg. est. savings w/ 1+ negotiation & 1+ cancelation. Paid membership w/connected payment account(s) req’d. See experian.com for details.
***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences at Experian.com
##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 cards and loans labeled ‘No Ding Decline™’ 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.
#Results may vary. The financial health assessment is for informational purposes only and is not intended to provide financial, legal, tax, or other advice.
^Experian Cash™ is powered by Brigit. Not all users will qualify. Depending on eligibility, advances range from $25–$250. Express delivery is optional and a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. You are not required to enroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advance with a free Experian membership. Terms apply.
©2026 Experian. All rights reserved. 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.
Reviews Reviews the App Store features, not the newest.
4.8 average from 2,722,500 ratings.
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★★★★★ Excellent Credit Knowledge Loriell1968 · 30 Mar 2026Since then I have been using the Experian Credit App, I have found more information about my credit score and the factors that affect my credit score. The App also helps match my credit score to new credit card accounts, personal loans and other lines of credit that Fit My Credit Profile. This is very helpful and useful information because I can easily see which credit cards, personal loans and credit lines that I should or shouldn’t apply for if I’m in need of either of those types of accounts. Since I’ve been using the App, I have found so much valuable information about credit scores and cr
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edit reports and exactly what affects them. Also my credit score has increased since I started using the Experian App and using the information that’s available to me. I am very grateful, thankful and so very much satisfied with this App. I give it 5*’s ALL THE WAY!! If you don’t already have this App, I would highly recommend that you check it out, especially if you are interested in learning more about your Credit profiles and the factors that affect them. And if you’re trying to improve your credit scores this App is the only one that has actually helped me in All of These Areas. If I could give it more than 5*’s I definitely would! Download this very useful, fact based, credit “tool”, App today and watch your credit get better and see what’s changed in your credit profiles so you will know exactly what you need to do next. Thank Experian!! For such a “priceless” App!!Developer reply · 1 Apr 2026Hi there. We are delighted to hear about your experience with the app. Thanks for the great feedback. -Lori -
★★★☆☆ Subscriptions keep renewing despite cancelling numerous times L K Lemon · 4 Oct 2025This app is decent for what it does (monitoring your credit etc) but the subscription cost of nearly $30 a month is absolutely ludicrous especially given the state of the economy at present and how many people are struggling to get by as it is. There’s no reason it needs to be that expensive. The free version of the app offers good enough features for me to be unable to justify that extra cost in the paid version. However, despite cancelling the subscription numerous times (idk how it got started to begin with if I’m being honest with you- I didn’t sign up for it) every couple months it auto r
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enews somehow, and I end up getting charged another $30 for something I don’t want and didn’t ask for. By the time I notice it, it’s usually been some time and then I have huge issues getting it refunded to my account, since so much time has passed. Getting pretty old at this point and I have wasted almost $200 in these charges I didn’t authorize and exertion keeps pushing through despite having sent countless emails over the last twelve months about the fact that I don’t want or need the subscription. Would be really nice if they actually honored that instead of allowing the charges to continue to be pushed through. Their bank account (smart money) is decent howeverDeveloper reply · 6 Oct 2025Hi L K. 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 -
★☆☆☆☆ Experian and this app must be the king of upselling! jl5978 · 19 Mar 2025Experian may be useful for folks trying to improve their credit score when they need to monitor every change, but for folks with good, established credit it is nothing but frustration. Why do I have the app when I complain about it? Only one reason: To quickly and easily unfreeze my Experian credit score. This credit freeze and unfreeze is FREE for Experian and the other two major credit reporting agencies due to federal law. But the FREE freeze/unfreeze feature is buried, while they constantly try to upsell you with their ‘lock/unlock’ feature for $5 every month. Log in on the web and you
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don’t get a dashboard or a main menu, but instead you get hit by a splash screen that tries to get you to upgrade for $25 per month. I must decline EVERY TIME I log in. I also get a monthly email with credit alerts. The ‘alerts’ are always unless; examples: “credit balance increased” or “credit balance decreased”. Yep, that’s what happens when you use your CC and then pay it off every month. Dumb and frustrating. And you can’t unsubscribe from the emails. And you can’t change the notification levels in the app to prevent the useless emails. The free version is annoying, and I would never give this company a dime.Developer reply · 20 Mar 2025Hi there. We’re sorry that we didn't meet your expectations. We would love to help you with this. Please reach out to us on social media for assistance. Thank you. -Vivian -
★★★★★ Vulnerable Credit Bureau Alert! Shebebsj · 9 Dec 2024I am forced to write review to expose the truth about its security flaw. It’s absurd! The business and developers really need to come together and fix this if not next second, ASAP. I have been a victim of getting my experian compromised. I realized how they are doing it. Anyone with some information of an individual is able to create a new account and it would automatically overwrite the real user account. Past day i have been battling over this. Someone is overwriting my account. I am extremely surprised how they can easily compromise an individual. Please fix this! This is a credit bu
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reau! People depend on it. It shouldn’t be this easy for bad actors to gain access to private information. This is emergency and requires immediate attention. Upper management if you are reading this, there is an imminent risk present before you. If you can t get your security guys to act on this, then one day this risk will come at a great price. Right now, your customers are being victimized due to this loop hole which can seen from forum from two years ago if you search on google. You are keeping this gate open to keep bad actors roaming wildly in the streetsDeveloper reply · 11 Dec 2024Thank you for the feedback. If you'd like to share anything on how we can improve please reach out to us on social media for assistance. - Vivian -
★★★★★ Great Way of Knowing Your Credit Score and Ways of Increasing It CandyyyMan · 12 Nov 2024Of the 3 Main Credit Score Companies, Experian is by far the Best Way of Increasing Your Score. Experian allows you to attach other Bills for Experian to keep track of your monthly on time payments at No Charge. Also, I did pay a Monthly Charge when I needed to Talk to a Live Person to Assist in getting an Old Account Removed from my Record. Then I returned to the Free Service to Continue to Watch my Score constantly go Up! When 1 month it dipped a few points, I noticed immediately the reason why and I was able to fix it. When I started with Experian my Credit Score was at 569, I was
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able to get it up to 720, when I was out of work and my Bank Account wasn’t getting weekly Direct Deposits and my Credit Cards Balances went up, my Credit Score dropped to 690. Now that I’m back working again, it has jumped back up to 720 and my goal has been 750 which I believe it will reach in 2025 (currently Nov of 2024 when leaving this review) Experian by far is better than Trans Union and Equifax. The bad thing, you don’t know which of the 3 businesses will use when looking up your score. The good thing, as I’ve used Experian, I have seen my Credit Score at the other 2 go up as well.Developer reply · 13 Nov 2024Hello there. Thanks for the feedback. We are delighted to hear that you like our app and found it to be useful. -Lori -
★☆☆☆☆ The worst Clearance217 · 27 Apr 2023Signed 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. Th
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at 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 reply · 30 Apr 2023Hi 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 -
★★★★★ It doesn’t add up YoYo5$$$5 · 4 Apr 2022I use Chase Bank and chase bank uses Experian to rate the credit score, pretty much when I go to my online banking my score with Experian is much higher than when I go into my Experian app and it’s significantly lower, just so you have some understand I’m talking about 58 to 60 point difference, it some what was better for a while and then the Experian app decided to drop me 8 points I have done so much research and tried to find out why, no point I couldn’t get down to the bottom of it which is extremely alarming because all I’ve been doing is the right thing t ok grow my credit score, which
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includes not going over the 10% I’m in the 2% mark, I make my payments as soon as they come up, i planned it all out to build my credit. With credit sesame I was all the way up to 786 now I am down, I literary use my cards once every 2 weeks rotating them just so they don’t get closed down, no skipped payments, im not sure ever why my score drops when it drops. I feel it’s because they want me to sign up for a better plan that I have to pay for. I have no clue, all I know is I’m doing everything and anything I can for my credit to grow and it does but it always drops down. I feel like something is wrong with the system. Also, I’ve noticed when I do not owe anything at all there’s still a balance when I check my credit status and I know for sure I do not owe anything, so the system is not 100% perfect but it could effect my future so naturally it always leaves me worried.Developer reply · 6 Apr 2022Hello there. The score used by your Experian® membership is based on the FICO ®8 scoring model. Many but not all lenders use the FICO®8 scoring model. There are many different credit scoring models that can give a different assessment of the credit risk (risk of default) for the same consumer and credit file. Your lender or insurer may use a different FICO ®Score than FICO 8, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. -Stacey -
★★☆☆☆ Faulty, inaccurate information, and horrible dispute customer service Better Credit Reportig · 27 Jul 2021I paid for this service and it continuously posts inaccurate information on the three bureau credit report. Equifax and Transunion removed a bad collection, but Experian says it will remain on their report for six years. Plus Experian inaccurately reports same bad collection on their version of the equifax report. The reports on Experian are not updating, even after I wa told by agent to delete and reinstall the app. I personally spoke to Equifax and Transunion and both bureaus state Experian is reporting non-factual information - the Experian bureau system is not up to date and failing to ma
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intain correct credit data (according to other customer complaints). When I attempted to dispute this matter and state the facts the agent would not try to assist by stating the bad collection will just stay on my report till 2026, plus she just hung up on me when I requesting for better assistance in resolving the issue. So, why am I paying for inaccurate three credit bureau report if Experian information is inconsistent with the actual other two bureaus. Well this an app I have to say needs to get the bugs washed out of the system - and get up to speed. Experian become consistent with the other two major bureaus! May have to discontinue service.Developer reply · 30 Jul 2021We are so sorry to hear about this issue that you are having with. We would love to assist you further. Could you please reach out to us on Facebook at www.facebook.com/experian. Or Twitter @Experian, @Experian_us, @experianhelp_us. Thanks. -Amanda -
★★☆☆☆ Always faulty app and website. ilikecookies2030 · 11 Jul 2021The app, even in its earlier iOS, doesn’t work. The actual Experian website disconnects from my Connected Accounts every week, literally. I try to reconnect but the website keeps goin in circles not connecting. Very frustrating since all this affects MY credit score cause they claim they can’t keep track of my account(s) cause they keep disconnecting, however, I’m not responsible but will be punished with my next credit score. Seem fair? Experian needs to fix their main website as well as their app. With all that money you’d think they could afford to have their operating system working proper
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ly so their customers don’t get negatively affected by their credit scores. For people who have been rebuilding credit for many years, it’s maddening when the score goes down, especially when it’s Experian’s fault. I even have their “yearly protection” subscription to watch for my info being used on the dark web, etc etc, and yet I still get my credit score lowered because experian’s website has too many technical problems to work accurately. And, even if my accounts do connect again to Experian’s watchful eye, they will disconnect, for whatever reason, within a week’s time, not because of anything I’ve done, it just disconnects. I don’t feel safe having my credit behavior analyzed by this company but have no choice so this significantly decreases my ability to rent a home, a car or get an emergency loan, amongst other things. Also interesting how my other 2 main credit scores are at least 60-79 points higher than Experian’s score, but hey, who’s counting?Developer reply · 22 Jul 2021Hi there. We're sorry to hear that you’re experiencing technical difficulties with the app. We would love to look at the issue further. Please reach out to our customer support team at [email protected]. Thank you. -Moneake -
★★☆☆☆ Unavailable to do a credit boost I’ve never a credit card junaejj · 17 Nov 2020Experian 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 hav
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e 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.Developer reply · 18 Nov 2020Hi. We appreciate your feedback. We apologize for the difficulties you experienced while attempting to use Boost. If you would like to submit your bank information to be added to Boost, please contact us via [email protected]. We’d be happy to help you further. -Monica
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Growth change in ratings
| Per | Growth | Growth % | Actual change | Measured over |
|---|---|---|---|---|
| day | Not enough history yet | |||
| week | +3,752 | +0.1% | +6,552 | 12.2 days |
| month | +15,661 | +0.6% | +20,939 | 40.1 days |
| year | Not enough history yet | |||
How these figures are measured
Change in ratings, scaled to each window from the real gap between crawls. A window needs a full period of history before it reports anything.
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