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4.8 out of 5

About Experian®

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 about changes to your credit and more. You can even open a new Experian Smart Money™ Digital Checking Account—it’s FDIC insured with no monthly fees or minimum balance¶ (see terms at experian.com/legal).


• Experian credit report & FICO® Score*

Check your FICO Score and credit report anytime, anywhere—it won’t hurt your credit. Sign in for updates 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 like your cell phone, utilities, video streaming services & eligible rent payments.

• Experian Smart Money™¶

The Experian Smart Money™ Digital Checking Account helps you build credit without debt by automatically connecting to Experian Boostø!

• 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.

• Money management

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

• Marketplace^

Compare credit card, loan or insurance options matched to your unique credit profile.


• Bill negotiation & subscription cancellation**

Save time and money when our experts negotiate your bills to get your best price! We'll even cancel subscriptions you no longer use.

• Experian CreditLock***

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


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

¶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.

‡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. Terms and conditions apply.

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 subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any 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.

©2023 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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