Experian

Get started for free with Experian's credit report and FICO® Score application. This app allows you to check your credit score and report without any negative impact on your credit. You can access this information every 30 days and see what factors are affecting your score, as well as receive tips on how to improve it.

Experian Boost®ø is a unique feature that allows you to raise your FICO® Score* by using bills you already pay, such as your cell phone, utilities, and rent payments. This can help you build credit without taking on any additional debt.

The Experian Smart Money™¶ feature offers a digital checking account that automatically connects to Experian Boostø, making it easier for you to build credit without debt. This account is issued by Community Federal Savings Bank (CFSB) and provides banking services, with Experian acting as a Program Manager.

In addition to credit monitoring, which sends push notifications for any changes to your FICO® Score*, new accounts opened in your name, or new inquiries on your credit report, the app also offers a marketplace^ where you can compare credit card, loan, and auto insurance options tailored to your unique credit profile.

The app also offers premium benefits, such as bill negotiation and subscription cancellation**, where experts will negotiate your bills to get you the best price and even cancel subscriptions you no longer use. However, results may vary and savings are not guaranteed.

Before using the app, be sure to read the terms and conditions, which can be found on experian.com/legal. These include the Terms of Use Agreement, Privacy Policy, Cardholder Agreement, and Disclosures.

Overall, Experian's credit report and FICO® Score app offers a variety of features to help you monitor and improve your credit. Keep in mind that your credit score may vary depending on the model used by your lender or insurer, and not all payments are eligible for Experian Boost® or will result in an improved score. Additionally, not all lenders use Experian credit files or scores impacted by Experian Boost®. Results may also vary for bill negotiation and subscription cancellation, and not all bills or subscriptions are eligible. It's important to carefully consider all terms and conditions before using the app.

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