Sign in

Expert guidance for your best financial life

Discover the knowledge and tools to help guide your journey.

Credit report & scores icon

Credit report & scores

Fraud & identity theft icon

Fraud & identity theft

Banking icon

Banking

Credit cards icon

Credit cards

Loans icon

Loans

Insurance icon

Insurance

Mortgage icon

Mortgage

Investing icon

Investing

Personal finance icon

Personal finance

News & research icon

News & research

What others are reading

A smiling woman holding her phone and standing on a pier.

What Is a Good Credit Score?

You need a credit score in the mid- to high-600s to have good credit. Find out how to get ...

Louis DeNicola profile imageBy Louis DeNicola
Jan 6, 2025Score advice

How to Freeze Your Credit at All 3 Credit Bureaus

Louis DeNicola profile imageBy Louis DeNicola
Sep 22, 2025Security freeze

How to Unfreeze Your Credit Report at All 3 Credit Bureaus

Ben Luthi profile imageBy Ben Luthi
Oct 10, 2025Security freeze

How to Contact the Credit Bureaus

Jim Akin profile imageBy Jim Akin
Jan 30, 2025Credit report & scores

What Is My Credit Score?

Ben Luthi profile imageBy Ben Luthi
Oct 24, 2025Score advice

How to Improve Your Credit Score

Ben Luthi profile imageBy Ben Luthi
Jul 24, 2025Improve credit

Editors' picks

Tired woman sitting in the driver’s seat of a car with one hand resting on the steering wheel and the other near her head.

How Does Repossession Work?

Ben Luthi profile imageBy Ben Luthi
Feb 10, 2026Repossession
A happy couple on their wedding day.

When You Get Married, Do You Share Debt?

Emily Starbuck Gerson profile imageBy Emily Starbuck Gerson
Feb 3, 2026Marriage
Woman sitting cross‑legged on the floor with a laptop on her lap, holding a credit card in her hand in a cozy living room

Good Debt vs. Bad Debt: What’s the Difference?

Louis DeNicola profile imageBy Louis DeNicola
Jan 29, 2026Debt
Portrait of a smiling young girl laying on a grass at the park, using laptop computer.

How to Establish Credit as a Young Person: Start Building Credit Now

Emily Starbuck Gerson profile imageBy Emily Starbuck Gerson
Dec 29, 2025Establishing credit
Happy young couple in a department store holding a credit card and a smartphone, with a sale poster in the background

Cash Back vs. Points: Which Rewards Credit Card Is Better?

Ben Luthi profile imageBy Ben Luthi
Dec 23, 2025Rewards credit cards
man stretching with relief at being debt free

7 Steps to Get Out of Debt in 2026

Evelyn Waugh profile imageBy Evelyn Waugh
Dec 17, 2025Debt
A customer hands over their credit card to a store owner wearing an apron.

How Do Cash Back Credit Cards Work?

Brianna McGurran profile imageBy Brianna McGurran
Dec 4, 2025Cash back credit cards
Happy couple giving high five while sitting on a couch in a living room with a laptop on a coffee table

26 Tips to Improve Credit in 2026

Brianna McGurran profile imageBy Brianna McGurran
Nov 25, 2025Improve credit
Smiling young woman sitting on a couch abd using her smartphone while holding a credit card

What Is a Secured Credit Card?

Karen Axelton profile imageBy Karen Axelton
Nov 6, 2025Secured credit cards

Take action with these tools

Free Experian app icon

Free Experian app

Manage your finances any time, anywhere on your phone.

Download the free app

Security freeze

Limit access to your Experian credit report.

Fraud alert

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

Disputes

Correct inaccuracies on your Experian credit file.

Free credit report

Get access to your free Experian credit report and FICO® ScoreΘ.

Identity theft protection

Identity theft protection and fraud detection for you and your family.

Free dark web scan

Scan for your Social Security number, email and phone number.

Experian Boost®

Instantly raise your credit scores for free—just by paying your bills.ø

Auto insurance comparison

Shop and compare quotes for you from over 30 top insurers.

Experian BillFixer™

Stop paying for unwanted subscriptions and lower your bills.φ

Experian Go™

Build your credit for free and start reaching your financial goals.

Best high-yield savings

Find the best savings rates for your money—compare top offers now.

Best CD rates

Find the best CD rates for your money—compare top offers now.

Best personal loans

Fund home improvement projects, cover expenses and more.

Best rewards credit cards

Make the most of your spending with a rewards card.

APR calculator

Calculate a loan’s APR based on its interest rate, fees and terms.

Savings calculator

Estimate how much total interest you’ll earn.

The latest from our experts

Do I Need a Tax Accountant?

A tax accountant can help you maximize deductions and credits while avoiding penalties, es...

Gayle Sato profile imageBy Gayle Sato
Feb 26, 2026Taxes

How Much Can I Borrow With a Personal Loan?

Personal loans can range from a few hundred dollars to $100,000 or more, but the amount yo...

Ben Luthi profile imageBy Ben Luthi
Feb 26, 2026Personal loans

What Is a SEP IRA?

SEP-IRAs allow business owners and self-employed people to contribute up to $72,000 or 25%...

Gayle Sato profile imageBy Gayle Sato
Feb 26, 2026Investing

Does My Car Insurance Cover Rental Cars?

Your personal car insurance may cover a rental car in the U.S. and Canada. Elsewhere, you'...

Kim Porter profile imageBy Kim Porter
Feb 26, 2026Auto insurance

How Can I Get Cash Back From My Credit Card?

There are several ways to redeem cash back from a credit card, but the highest-value metho...

Brianna McGurran profile imageBy Brianna McGurran
Feb 26, 2026Cash back credit cards

Current Mortgage Rates: What Will You Pay?

Here's the average rate for a conventional 30-year fixed mortgage, refinance loans as well...

Karen Axelton profile imageBy Karen Axelton
Feb 25, 2026Mortgage

What Are Credit Bureaus and How Do They Work?

What are credit bureaus and how do they work? Find out in this simple and straightforward ...

Louis DeNicola profile imageBy Louis DeNicola
Feb 25, 2026Credit report & scores

What Is a Bank?

Banks accept deposits, extend loans and usually provide other key financial services and p...

Marianne Hayes profile imageBy Marianne Hayes
Feb 25, 2026Personal finance

Can I Lower My Car Insurance Rates With Safe Driving Apps?

Many insurers offer safe driving apps that can help lower the cost of your car insurance w...

LaToya Irby profile imageBy LaToya Irby
Feb 25, 2026Auto insurance

How to Get Prequalified for a Credit Card

Many credit card issuers let you get prequalified on their website, or you can use a servi...

Ben Luthi profile imageBy Ben Luthi
Feb 25, 2026Credit card basics

Can You Remove Hard Inquiries From Your Credit Report?

Hard inquiries can only be removed from your credit report if they're the result of identi...

Ben Luthi profile imageBy Ben Luthi
Feb 25, 2026Dispute

Debt Snowball Strategy: How Does It Work?

The debt snowball method is an accelerated debt repayment strategy that focuses on your sm...

Ben Luthi profile imageBy Ben Luthi
Feb 24, 2026Debt

Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances. With innovative tools and expert guidance, we’re here to help you manage your credit, protect your identity, and save on loans, credit cards, and more. Our goal is simple: to help bring Financial Power to All™.

Support

Education & advice

Credit resources

Experian app.

Download the free Experian appCarry trusted financial tools with you

Download from the Apple App Store.Get it on Google Play.
Experian's Diversity logo.

Experian’s Inclusion and BelongingLearn more how Experian is committed

Data privacy logo.

Data privacyYour privacy choices