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Credit

- Free credit report

See your latest credit information
- Free credit score

Get to know your FICO® Score
- Experian Boost®

Raise your credit scores instantly
- Experian Go™

Establish and build your credit

###### Credit support

- Security freeze
- Disputes
- Fraud alert
- Contact us

###### Credit advice

Most popular

- What is a good credit score?
- Credit score ranges
- Average credit score in the U.S.
- Improving your credit
- How to build credit
- What is a credit bureau?
- Freeze your credit at all 3 credit bureaus
- How credit utilization impacts credit

Credit reports

- How to remove credit inquiries
- Collections on your credit report
- What is a charge-off?
- How bankruptcy works
- Get credit reports from all 3 credit bureaus
- Check your credit report and file disputes
- How to remove a paid collection

Credit scores

- Impact of paying off a credit card
- Reasons to have a good credit score
- Does checking credit score lower it?
- What is a perfect credit score?
- Different types of credit scores
- What factors affect your credit score?
- How the FICO® Score Simulator works
- Why did your credit score drop?

Improving credit

- Reasons your credit score isn’t increasing
- Will credit improve after debt payoff?
- Does a mortgage hurt your credit score?
- How to build credit with credit cards
- How to repair your credit
- What is Experian Boost?
- How utility bills can boost your credit
- How often a credit report is updated

Establishing credit

- How to build credit with no credit history
- How to establish credit
- How to get first-time credit
- How to get credit with no credit history
- Credit mistakes to avoid
- How long does it take to build credit?
- How credit history affects your credit
- Credit cards for no credit
- Protection

Protection

- Identity theft and fraud

ID monitoring, alerts and protection
- Free dark web scan

Scan for your SSN, phone and email
- Free personal privacy scan

Find your info on people finder sites

###### Identity Theft support

- Security freeze
- Fraud alert
- Disputes
- Contact us

###### Identity Theft Advice

Most popular

- What is identity theft?
- Fraud alert and credit freeze differences
- Remove fraud from your credit report
- Identity theft statistics
- What are the latest scams?

Identity theft and fraud

- How to check for identity theft
- What if your Social Security number is stolen?
- How to avoid identity theft
- Types of identity theft
- How to protect your identity
- What is a fraud alert?
- Do fraud alerts expire?

Cybersecurity

- What is the dark web?
- What is dark web monitoring?
- What to do about a data breach
- Protect your information from the dark web
- Tips for victims of credit card fraud
- What is a VPN?

Privacy

- How to protect your info online
- Remove your info from people search sites
- How to get off robocall lists
- Social media safety tips
- Identity thieves and your personal info
- How to keep your SSN safe
- Money

Money

- Digital checking account

Check out Experian Smart Money™
- Manage your expenses

We’ll negotiate bills for you & cancel unwanted subscriptions

###### Money advice

Most popular

- Best high-yield savings accounts
- Best CD rates
- Best money market accounts
- Challenges to help you save money
- Can you deposit money at any ATM?
- Savings accounts that pay high interest
- Opening a high-yield savings account
- Pros and cons of high-yield savings

Digital checking account

- What is Experian Smart Money?
- How do bank account bonuses work?
- Why was I denied a checking account?
- What is a high-yield checking account?
- Earn cash back with a debit card
- Pros and cons of premium checking
- Routing number vs. account number
- Why was my debit card declined?

Save money on bills

- Tips for spending money wisely
- How to make a budget
- Ways to reduce expenses
- Ways to plan for unexpected expenses
- What is an emergency fund?
- Ways to save money
- What is a budget?
- Why is budgeting important?
- Credit Cards

Credit Cards

- All credit card types
- Balance transfer
- Cash back
- For bad credit
- Low interest
- Rewards
- Secured

###### Credit Card advice

Most popular

- How to pay off credit card debt
- How many credit cards should I have?
- How to use credit cards
- Which credit card should I get?
- What is an APR?
- Average credit card debt
- Credit card payoff calculator

Balance transfer

- How balance transfers work
- How long does a balance transfer take?
- What are balance transfer credit cards?
- What is a balance transfer?
- What is a credit utilization rate?

Cash back

- How cash back works
- What is a credit card cash advance fee?
- Cash back vs. points

For bad credit

- Applying for a credit card with bad credit
- Balance transfer cards with bad credit
- Getting a credit card after bankruptcy
- Easy store cards to get with bad credit

APR

- What is a good APR?
- Lowering your credit card interest rate
- Fed interest rate impact on credit cards
- How much available credit is best?
- APR calculator

Rewards

- How to choose a rewards credit card
- Are rewards credit cards worth it?
- What is a rewards credit card?
- Ways to redeem credit card rewards
- Credit score needed to get a rewards card

New to credit

- What is a secured credit card?
- How to use a secured credit card
- Secured vs. prepaid credit cards
- How to get a secured credit card
- Secured credit card with no deposit
- Can I get an unsecured credit card?
- Loans

Loans

- All loan types
- Debt consolidation
- Personal

###### Loan advice

Most popular

- What is a personal loan?
- Emergency loans with bad credit
- How to get a personal loan with fair credit
- What is a secured loan?
- How do personal loans impact credit?
- How to get an emergency loan
- Personal loan calculator

Debt consolidation

- How to get a loan with bad credit
- Personal loans to pay off credit card debt
- Payday loan consolidation
- Is it a good idea to consolidate debt?
- How debt consolidation affects credit
- What is debt consolidation?
- How debt consolidation works
- How to get a debt consolidation loan

Personal

- Getting a personal loan with no credit check
- What to know before applying for a loan
- What is a credit-builder loan?
- Average personal loan debt
- APR vs. interest rate
- Reasons to get a personal loan
- How to reduce your total loan cost
- Getting a personal loan with a cosigner
- Insurance

Insurance

- Auto insurance

Compare, switch and save

###### Auto Insurance Advice

Most popular

- Average cost of car insurance
- Cheapest states for car insurance
- Bundling home and auto insurance
- Top car insurance discounts
- How to save on car insurance
- Factors that impact car insurance rates
- How accidents affect insurance
- Liability vs. full coverage car insurance

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- Credit Support
- Free annual credit report
- Disputes
- Fraud alert
- Security freeze
- Denied credit
- ID theft victim assistance
- Active duty military
- Opt out of prescreen offers
- Contact us
- See all credit support
- Financial Advice
- Global Sites

# Reach your credit and money goals

- Get a credit report & FICO® Score
- See No Ding Decline credit cards
- Save over $600 on your bills
- Save on car insurance
- Build credit with digital checking

## Get your free credit report and FICO® Score\*

Then raise your credit scores instantly using bills like your cell phone, utilities, streaming services and eligible rent payments.ø

Let’s get started

* * *

\*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. Learn more.

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®. Learn more.

## Apply with confidence with No Ding Decline

Get matched to credit cards that won’t ding your credit scores if you are not approved.⊛

See your card matches

* * *

⊛Applying for cards labeled ‘No Ding Decline’ won’t hurt your credit scores if you aren’t initially approved. Approval of your application will result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores.

## Save over $600 a year on your subscriptions and billsφ

Let us cancel or lower over 200 eligible subscriptions and recurring bills for you in a few easy steps.

Sign up now

* * *

φResults will vary. Not all bills or subscriptions 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. Subscription Cancellation and Bill Negotiation are available with eligible paid memberships.

## You could save over $1,000 a year on insuranceβ

Never shop for car insurance again. Let us monitor, shop and compare quotes to get you our best rate—for free.

Get started

Best offer

* * *

βResults will vary and some may not see savings. Average savings of $1,007 per year for customers who switched and saved with Experian from May 1, 2024 through April 30, 2025. Savings based on customers’ self reported prior premium. Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.

## Open a digital checking account that helps build creditø

Introducing the digital checking account designed by credit experts. You could raise your credit scores just for paying bills like rent, internet and utilitiesø. Plus, enjoy no monthly fees¶ and earn a $50 bonus for setting up direct deposit‡.

Get digital checking

* * *

The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.

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®. Learn more.

See disclosures

Get your free credit report and FICO® Score

Sign inSign up for free

## Say hi to your Big Financial Friend

As your BFF, we’ll help you manage your money on the go, send real-time credit alerts straight to your phone, and a lot more. **Simply download the free Experian app to get started.**

## How can we help?

Manage your credit basics with these free tools.

### Security freeze

Freeze or unfreeze your Experian credit file.

### Disputes

Correct inaccurate info in your Experian credit file.

### Fraud alert

Add or remove a fraud alert on your Experian credit file.

See all credit support

The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.

§Funds in your Experian Smart Money™ Accounts are held in a pooled deposit account at Community Federal Savings Bank and insured up to $250,000 for each account ownership category. Learn more at FDIC.gov.

ӂExperian Smart Money™ Accounts are only available to residents of U.S. states and the District of Columbia, 18 years or older.

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®. Learn more.

‡To be eligible for the $50 bonus, your Experian Smart Money™ Digital Checking Account must be credited with at least $1,000 in direct deposits within 45 business days of opening your account, and your account must stay active and in good standing at the time the bonus is paid. The bonus will be deposited into your account within 10 business days, once earned. Limit 1 bonus per cardholder. Offer subject to change by Experian at any time without prior notice. Terms and conditions apply. See the Incentives section in the Cardholder Agreement to learn more.

†Early access to your direct deposit into your Experian Smart Money™ Digital Checking Account depends on the timing of receipt of the incoming direct deposit file. We generally make direct deposits available up to 2 days earlier than the payment date specified in the direct deposit file. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Daily and monthly deposit limits apply. See Cardholder Agreement.

\*\*Experian Smart Money™ Digital Checking Accounts have access to over 55,000 surcharge-free ATMs with the Allpoint ATM network. You may be charged a fee for attempting a cash withdrawal with an out-of-network ATM or point-of-sale device by Experian and/or the operator including for a balance inquiry even if you do not complete a cash withdrawal. Learn more.

#Limits apply. See Cardholder Agreement.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

¶See Cardholder Agreement.

Support

Support

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Education & advice

Education & advice

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Credit resources

Credit resources

- Free credit monitoring
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- Check credit
- Improve credit
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- Experian CreditLock
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- Credit file disclosure
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