In this app, you can check your credit report and FICO Score regularly, monitor changes, and use tools to improve your credit profile. Includes credit report access, score tracking, credit monitoring, and bill improvement features.
AppRecs review analysis
AppRecs rating 4.1. Trustworthiness 0 out of 100. Review manipulation risk 0 out of 100. Based on a review sample analyzed.
★★★★☆
4.1
AppRecs Rating
Ratings breakdown
5 star
88%
4 star
9%
3 star
2%
2 star
0%
1 star
0%
What to know
✓
High user satisfaction
88% of sampled ratings are 5 stars
⚠
Pricing complaints
Many low ratings mention paywalls or pricing
About Experian®
Financial Power to All™. Get your Experian credit report and FICO® Score* with a free Experian® membership—no credit card needed! Apply with confidence for credit cards labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not initially approved^^. You could save big on car insurance and even get notified about changes to your credit profile. With a paid membership, you could save an average of $631/year on bills and subscriptions with Bill Negotiation & Subscription Cancellation**, get started today.
GET STARTED FOR FREE
■Experian credit report and FICO® Score*
Check your FICO® Score and credit report anytime, anywhere—it won't hurt your credit. Get every 30 days. See what factors help or hurt your FICO® Score, and actions to take for better credit.
■Experian Boost®ø
Raise your FICO® Score* using bills you already pay, like your cell phone, utilities, video streaming services and eligible rent payments.
■Credit monitoring
Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your credit report.
■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 $1,007+/year on car insurance^^^.
PREMIUM BENEFITS
■Bill Negotiation & Subscription Cancellation**
You could save up to $631/year and time when we negotiate your bills!! We'll even cancel subscriptions you no longer want.
■Experian CreditLock***
Protect against identity theft by locking your Experian credit file. We’ll alert you 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 $1,007 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
GET STARTED FOR FREE
■Experian credit report and FICO® Score*
Check your FICO® Score and credit report anytime, anywhere—it won't hurt your credit. Get every 30 days. See what factors help or hurt your FICO® Score, and actions to take for better credit.
■Experian Boost®ø
Raise your FICO® Score* using bills you already pay, like your cell phone, utilities, video streaming services and eligible rent payments.
■Credit monitoring
Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your credit report.
■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 $1,007+/year on car insurance^^^.
PREMIUM BENEFITS
■Bill Negotiation & Subscription Cancellation**
You could save up to $631/year and time when we negotiate your bills!! We'll even cancel subscriptions you no longer want.
■Experian CreditLock***
Protect against identity theft by locking your Experian credit file. We’ll alert you 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 $1,007 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
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Reviews for Experian®
Picole87
Good
Help me out with my money and credits score
8 bit snow
Text verification code bug
App has a bug that is really irritating for those who use the autofill from text messages for one time codes. The code shows up to fill. But it doesn’t actually get filled in to the text field. And iOS deletes the code after use (which most folks have prolly enabled). Other apps work fine, so it’s specific to the Experian app. Worse, by the time you go recover the message and try to get the code, you come back to the app…. And you’re back at the login page again. And you have to try again. Terrible UX! This should be a priority to QA to ensure users can actually login. If it helps, I’m experiencing this on iOS 26.2.
