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 of changes to your credit and more. Apply with confidence for credit cards labeled “No Ding Decline”^^ with no impact to your FICO® Score if you’re not approved. Save big on car insurance and more with the Experian app today.



GET STARTED FOR FREE



• Experian credit report & FICO® Score*



Check your FICO® Score and credit report anytime, anywhere - it won’t hurt your credit. See what factors are helping or hurting your FICO® Score, and actions to take for better credit.



• Experian Boost®ø



Raise your FICO® Score* using your cell phone, utilities, video streaming services & eligible rent payments and insurance.



• Credit monitoring



Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your Experian credit report.



• Money management



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



• Marketplace^



Compare credit card, personal loan or car insurance options matched to your unique credit profile. Apply with confidence for cards labeled “No Ding Decline” that won’t ding your FICO® Score if you aren’t approved. You could save money with a personal loan or save over $800+/year on car insurance^^^.



PREMIUM BENEFITS



• Bill negotiation & subscription cancellation**



You could save up to $631/year when we negotiate your bills! We'll even cancel subscriptions you no longer want or knew you were paying for.



• Experian CreditLock***



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



TERMS



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



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 are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. Experian members for whom Experian completed at least one negotiation and canceled at least one subscription averaged $631/year of anticipated 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.



^^Applying for ‘No Ding Decline’ credit cards 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 $828 per year for customers who switched and saved.



©2025 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 ECW 4.1.21

Our goal is to make it easy for you to check your credit—and that starts with improving the Experian app. This version includes bug fixes and performance improvements to make the app run smoother than ever.

Ratings and Reviews

4.8 out of 5
2.4M Ratings

2.4M Ratings

CandyyyMan ,

Great Way of Knowing Your Credit Score and Ways of Increasing It

Of 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 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 Response ,

Hello there. Thanks for the feedback. We are delighted to hear that you like our app and found it to be useful. -Lori

finding my folks ,

Locked

I tried to update one of my old cards through the bank that purchased the company cardholders info. I went through the company’s application process, passed that, then was told that I had to contact Experian to unfreeze my account. Went Experian’s question process, got all the questions answered correctly. I then called company back with the pin, to be told that the file was still frozen. The credit was not able to use the pin because that is not the way they do it. Had to go and do a temporary unfreeze, that worked, got denied the card from the bank, after answering all the questions correctly from Experian. I have very good credit. This was for a purchase I wanted to make before the price increased. All I needed to do was update my old card. I now had to leave my credit file unfrozen for a day. I was able through the App to lock my file back. There is no way to speak to anyone to get problems like this resolved. Extremely disappointed.

Developer Response ,

Hi there. Thanks for the feedback. If you have any questions or concerns, please email us at AppSupport@experian.com. -Moneake

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.

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