Experian®

721k reviews
Content rating
Everyone
10m+
Downloads
Content rating
Everyone
Digital purchases
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About this app

Get your Experian Credit Report and FICO® Score with a freemembership—no credit card needed! Applyfor credit cards and loans labeled “No Ding Decline™” thatwon’tding your FICO® Score ifyou’renot approved^^. You could saveanavgof $1,007/yearon car insurance^^^.Chat withthe Experian Virtual Assistant™.With a paid membership, you could save anavgof $721with Bill Negotiation & Subscription Cancellation**and getanadvancewith Experian Cash™ powered by Brigit
^
.
GET STARTED FOR FREE
■ExperianBoost®
ø
Raise your FICO® Score* using bills you already pay-cell phone, utilities,streamingservicesand eligible rent payments
■Credit monitoring
Stay informedifaccounts are opened in your name, or new inquiries appear on your Experian credit report
■Marketplace
##
Compare creditcard, personalloanor car insurance quotes matched to your credit profile
■Financialhealthassessment
#
Take asurveyand get suggested actionsto improveyour overall financial healthand see what stepsyou could taketo improve it
PREMIUM BENEFITS
■Bill Negotiation & Subscription Cancellation
**
You could save time and up to $721when we negotiate and cancel your bills

 ■ExperianCreditLock
***
Protect against identity theft by locking your Experian credit file.Getreal-time alertsif someoneapplies forcredit in your name whilelocked
 ■Experian Cash™ powered byBrigit
^
Geta$25-250advancewhen you need it most
TERMS
See experian.com/legal for Terms of Use Agreement, Privacy Policy, Marketplace Licenses & Disclosures, Insurance StateLicensesand Insurance Carrier Partner Details.
øResultswill vary. Not all payments areboost-eligible. Some users may not receive an improved score orapprovalodds. Not all lenders use Experian credit files, and not all lenders use scoresimpactedby 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 subseligible. Savingsnotguaranteed. $721 avg. est. savings w/ 1+ negotiation & 1+ cancelation. Paid membership w/connected payment account(s)req’d. Seeexperian.comfor details.
***ExperianCreditLockis a separate service from Security Freeze:experian.com/freeze/center.html. Learn about the differencesat 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’thurt your credit scores if youaren’tinitially approved. Initial approval will result in hard inquiry, which mayimpactyour 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 isoptionaland a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. Youare not required toenroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advancewith a free Experian membership.Terms apply.
©2026 Experian. All rights reserved. Experian and the Experian trademarks usedhereinare 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 anddoes not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentionedhereinare the property of their respective owners.
Control Your Credit & Finances
Updated on
15 Oct 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Location, Personal info and App activity
  • No data collected
    Learn more about how developers declare collection
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

706k reviews
Christina Sinclair
2 April 2025
This app is pretty good. I've been using this app with a free Experian account for a long time. I've used this app and credit Karma at the same time, since they show data from different credit bureaus, to keep an eye on my credit score and other details while paying off all of my credit cards. Btw if you're trying to pay down credit cards, look up "debt snowball" online and try that method because you can do it on your own for free and it totally works!
284 people found this review helpful
Did you find this helpful?
Experian
2 April 2025
Hey Christina. Thanks for the feedback. We are delighted to hear that you like our app and found it to be useful. -Vivian
Cindy Meitle
18 September 2026
Invaluable Subscription: Being notified when your score rises or falls, and why, is invaluable. Disputing inaccurate information on your report is easy and Experian jumps all over it immediately with outstanding communication along the way. Being able to see all card accounts in one place and percentage of credit usage is beyond helpful when trying to stay under 30% usage to keep a credit rating high. Getting new card offers that are no-ding if you apply is fantastic. SO many benefits.
14 people found this review helpful
Did you find this helpful?
Experian
21 September 2026
Hi Cindy. Thanks for the rating. It’s great to hear that you are satisfied with the information we provide through our app and found it helpful. -Karen
Cassandra B
4 September 2026
I am very upset at this app. It keeps having technical difficulties. I tried to pay the subscription 6 times and then it says, "we're experiencing technical difficulties"...its been 6 months of the same thing. At this point I dont want the subscription- the credit scores arent accurate anyways- been to several financial places and the credit score on here is completely different and not accurate-I am done. 👿 It wont even let me log in with password or finger print login. 💀
10 people found this review helpful
Did you find this helpful?
Experian
8 September 2026
Hi Theresa. We’re truly sorry to hear about your experience. We understand how frustrating technical issues can be, especially regarding important matters like your credit score. Your feedback is invaluable, and we’re actively working to improve the app's performance and accuracy. -Katherine

What's new

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.