Experian Credit Report : Official Wiki

Experian Credit Report

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Experian Credit Report is an iPhone and Android Finance App, made by Experian. Today, it has gone through many interations by the developers - Experian, with the latest current version being 2.9.5 which was officially released on 2020-05-26. As a testament to the app's popularity or lack thereof, it has gathered a total of 534,540 Reviews on the Apple App Store alone, with an average user rating of 4.83411 out of a possible 5 stars.

How does it Work?

Get your FREE Experian Credit Report & FICO® Score* – anytime, anywhere! Checking your own report doesn’t hurt your credit, and there’s no credit card required. And now, for the first time, you can raise your FICO Score instantly with Experian Boost™. You’ll get the extra credit you deserve with the utility and cell phone bills you’re already paying. See what's helping or hurting your FICO® Score, learn how your credit report impacts your score and interact with your credit in a completely re-imagined way. Always be in the know with credit monitoring and alerts that notify you when key changes to your Experian Credit Report & FICO Score occur. Plus, take advantage of Experian CreditMatch™ to find better credit cards and apply with confidence thanks to matches based on your FICO® Score. KEY FEATURES: FREE FICO® SCORE* Track your FICO Score and see which financial behaviors are helping or hurting. Automatically updates every 30 days upon sign-in. FREE CREDIT REPORT Better understand the kind of information lenders see – like credit accounts, inquiries and public records. Automatically updates every 30 days upon sign-in. EXPERIAN BOOST** Connect your accounts to increase your FICO® Score instantly. Look better to lenders and save money by qualifying for better rates and offers. EXPERIAN CREDITMATCH*** See credit card matches based on your FICO® Score. Compare your best options and make your choice. CREDIT MONITORING & ALERTS Know when your FICO® Score changes, new accounts are opened in your name or new inquiries appear on your credit report. Push notifications send alerts directly to your device. CREDIT AT-A-GLANCE Easily see a breakdown of your accounts. Use the Credit Summary wheel to see the five key elements that make up your FICO® Score. CREDITLOCK**** Easily lock your Experian Credit File and guard yourself against identity theft with the touch of a button. Prevent unauthorized credit activity with real-time alerts if someone tries to apply for credit in your name while your credit file is locked. SUBSCRIPTIONS Experian CreditWorks subscriptions purchased through your iTunes account will automatically renew within 24 hours prior to the end of the current monthly subscription period, unless auto-renewal is disabled beforehand. To manage your subscription or to disable auto-renewal, after purchase go to My Account -> Manage Membership within the app. ABOUT EXPERIAN Experian is the first company and credit bureau to offer online credit reporting services in the U.S. We’re now the leading provider of credit data and services with credit information on approximately 220 million U.S. consumers and more than 1.5 petabytes of data. We empower consumers to manage and improve their financial status, while helping protect against fraud and identity theft. Experian is deeply committed to educating consumers through financial literacy and funding programs, working with non-profit and public education leaders across the country. Privacy Policy: https://usa.experian.com/login/#/publicPrivacyPolicy Terms & Conditions: https://usa.experian.com/login/#/publicTermsAndConditionsFree *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. To learn more please visit: https://www.experian.com **Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost. ***Offers are not available in all states. To learn more please visit: https://www.creditmatch.com ****Experian CreditLock is a separate service from Security Freeze: https://www.experian.com/freeze/center.html. To learn more about the differences between CreditLock and Security Freeze, please visit: https://www.experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/

Top Reviews

Easy to use & it’s a free app

By AnnieBlanco

Easy to use and it’s a free app. I understand nothing is for free (they sell our info to 3rd parties) yet those 3rd parties, ie... banks, credit card companies already have our info so no harm to fowl. I just want to see my score when I want since we are using the snowball method of paying off our debt, this app lets me see the positive benefits of paying it down, highest interest rate card first is the plan. After the subprime market crash we relied too heavily on cards to keep our business afloat. We didn't lose our home, business is intact yet credit card debt needs to be addressed head on. We have tons of home equity yet with such a high income to debt ratio & both of us Independent contractors we cant qualify for a refi & cant get zero interest transfer cards to approve us, frustrating. YET. I do wish I could see all three credit scores which is a extra cost but not paying for anything we don't need until we can refi. Its a catch 22 situation but happy this app is available. I say try it!
Experian, facilitator of ID theft

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.
App is buggy. Customer service is terrible.

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.
Horrible, I can’t even get in

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.
Awesome Credit App

By Santiago Fuego

Prior to using Experian’s credit app, I used Credit Wise from Capital One. In rebuilding my credit I wanted to monitor my credit accordingly and make the right moves to increase my score. Maybe, there is a glitch with CreditWise but my score always sucked no matter what I did. Paying on time, minimizing my utilization my score was horrible. I switched to Experian and my score was decent. Experian gave an accurate reflection of all my hard work and financial discipline. I love Experian Boost, which basically rewards you for things that you always pay such as rent and my celular bill. I also, like the credit card recommendations they send you as your Credit improves. With this feature I can know what cards I am more likely to be approved for. Finally they also make it super easy to check for any erroneous information on my report and have it disputed within 30 days. Experian is by far the best credit app on the market today.
Credit score increase of 80 points

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.
Keeps me up to date, almost. But .....

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.
Experience the Best

By Blue-Melody1

A lot of the times your credit rating moves as slow as a snail. You try your best to be a good consumer and be consistent with your financial situation. Being a senior on a fixed income which dwindling faster than you can keep up with all involved. Experian has been fair and makes me feel that my efforts handling my finances makes me feel I still matter and at least doing fair when others of the triad rate me poor or less. I am not behind in any of my accounts and I have a car note that is more than 50% paid off on a fixed income on disability as well as paid off almost all my accounts except 3. Experian allows me to keep track of this mess and make sense of it and keeps me from throwing in the towel like a lot of folks have had to do in my situation. I have had to make slot of sacrifices to keep my credit profile where it is. Thanks for the help!!
Fair, helpful, on-time, and make me feel good about my progress

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
Real Time Alerts & Feedbacks

By Chel206

Experian provides real time alerts regarding changes to my credit file. I’m immediately able to check any updates to stay on top of my file. This recently helped me make the decision to change a long-time insurer. I questioned the lack of change in rate based on tenure and other factors. The insurer claimed to have performed a “comprehensive” review including credit review. This did not appear on my Experian file, which the insurer claimed to have utilized. Based on my inability to substantiate the insurer’s claim, I moved on to another insurer and lowered my rate by 25+% while increasing my coverage. I find Experian user friendly (it helped me to review the tips). Most importantly, it’s an effective tool in allowing me to model my credit scenario and steadily strengthen my credit score. It’s been a worthwhile investment for the 1 Starbucks/per week I decided to give up!!

External Links

Experian Official Website
Download for Free on On iTunes
Download for Android

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This page was last edited on 2020-05-26.
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Experian Credit Report Wiki