Experian Credit Report

Experian Credit Report Wiki

Written by Experian

Rated 4.82975 From 1,354,506 Votes
$ 0.00
  • Last Updated: 2021-06-10
  • New version: ECW 3.1.3
  • File size: 101.85 MB
  • Compatibility: Requires iOS 13.2 or later. and Android 4.4. KitKat or later

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 ECW 3.1.3 which was officially released on 2021-06-10. As a testament to the app's popularity or lack thereof, it has gathered a total of 1,354,506 Reviews on the Apple App Store alone, with an average user rating of 4.82975 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 credit you deserve for the utility, cell phone and streaming service payments you’re already making. See what's helping or hurting your FICO® Score, learn how your credit report impacts your FICO 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* and EXPERIAN CREDIT REPORT • Track your FICO Score and see which financial behaviors are helping or hurting. • 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. 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. 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, when enabled, will send alerts directly to your device. Bill Negotiator***** • Upload your bills, and we negotiate for you. If we can’t, there is no charge. ABOUT EXPERIAN® Experian is the first company and credit bureau to offer online credit reporting services in the U.S. We empower consumers to manage and improve their financial status, while helping protect against fraud and identity theft. 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: 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: 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/ *****Bill Negotiator - Results may vary. Some may not receive negotiated discounts or savings. Learn more: https://www.experian.com/consumer-products/bill-negotiator.com © 2020 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 and Disclosures.

Top Reviews

  • Great App BUT...

    By CharlesGus
    It is a great App, easy to use, they have added financials and allows you to dispute one online. But as the Equifax and TransUnion app allows you to LOCK your report for free, Experian wants to charge an astronomical amount for that service. WHICH in this day and age should be free due to all the fraud and identity theft out there. It should be an easy way of protecting OUR information directly from the APP and not making us pay 29 dollars a month for. SHAME on Experian for trying to make money on something that is a FLICK of a finger. Fraud Alerts and File Freezes are things of the past. Even Credit Cards Encourage us to lock our cards. It is shameful that they are not pro client but pro money. Credit is the basis of our economy and we are judge by it constantly. Identity theft takes years to resolve and no matter what it keeps happening because people have our information. Makes it difficult for the regular consumer to go about their day. Adding another DEBT to consumer while talking about lowering debt is insane. Most people dont even have 29 to save for their retirement a month least of all to spend on an Experian to LOCK their account. SHAME ON YOU EXPERIAN!
  • Unavailable to do a credit boost I’ve never a credit card

    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.
  • 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.
  • Experian is the worst

    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.
  • A Very Useful App

    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.
  • 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.
  • Excited AND Amazed

    By princess morebucks
    After learning of Experian Boost I did a ton of research and was both excited and ready to give it a try. I haven’t had the best track record as it pertains to managing my credit and ensuring I am in a good and healthy financial position but decided I wanted that to change. In the hour that I have been with the program I have boosted my score 78 points, utilized simulations available via the app to see decisions I CAN make to continually increase the health of my credit, learned the unhealthy decisions I have made which have affected me negatively,been matched with lenders to “thicken” my “thin” file, and enrolled in credit lock/monitoring. The research I did on this product betrayed the ACTUALITY of how great and much needed this product REALLY is! I, with the utmost sincerity, highly recommend EVERYONE, regardless of your credit health, to enroll in Experian Boost. You are doing yourself a great disservice in NOT researching and joking for yourself!!!
  • 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!!

External Links

Experian Official Website

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This page was last edited on 2021-06-10.
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