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

How to Temporarily Lift a Security Freeze

Ben Luthi profile imageBy Ben Luthi
Aug 26, 2025Security freeze

How Many Americans Have a Perfect 850 Credit Score?

Chris Horymski profile imageBy Chris Horymski
Jul 22, 2025Research

Editors' picks

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
Young woman wearing glasses paying with credit card in the outdoor cafe while holding a beverage

What Is a Credit Limit?

Louis DeNicola profile imageBy Louis DeNicola
Oct 30, 2025Credit limits
Happy couple using laptop in the kitchen

What Credit Score Is Needed for a Personal Loan?

Ben Luthi profile imageBy Ben Luthi
Oct 29, 2025Personal loans
Focused man using his smartphone while sitting on a sofa in a living room

How Long Do Closed Accounts Stay on Your Credit Report?

Louis DeNicola profile imageBy Louis DeNicola
Oct 29, 2025Closed accounts

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 40 top insurers.

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

Is Online Banking Safe?

Online banking is generally safe, but you must still take steps to protect your personal i...

Tim Maxwell profile imageBy Tim Maxwell
Jan 16, 2026Banking

What to Know About Buying a Foreclosed Home

Focusing on foreclosed homes might get you a great property at a lower-than-average price....

Marianne Hayes profile imageBy Marianne Hayes
Jan 16, 2026Foreclosure

Are HOA Fees Tax Deductible?

HOA fees aren't usually tax deductible except in limited circumstances, but other potentia...

Jennifer Brozic profile imageBy Jennifer Brozic
Jan 16, 2026Taxes

How to Get Low-Interest Personal Loans

A low-interest personal loan can help you save money when you finance major expenses. Star...

LaToya Irby profile imageBy LaToya Irby
Jan 16, 2026Personal loans

Charitable Donation Tax Deduction: How it Works

When you give cash or donate items to charity, it may help lower your tax bill. A new law ...

Kim Porter profile imageBy Kim Porter
Jan 16, 2026Taxes

Compare Current 5/1 ARM Rates

5/1 ARM rates have been trending downward, but they've risen since 2020. 5/1 ARMs have a l...

Brianna McGurran profile imageBy Brianna McGurran
Jan 15, 2026Mortgage

How Investment Property Mortgage Rates Differ From Conventional Mortgage Rates

Investment property mortgage rates are generally higher than rates for mortgages on a prim...

Karen Axelton profile imageBy Karen Axelton
Jan 15, 2026Mortgage

Compare Current Second Home Mortgage Rates

Get the current rate outlook before applying for financing on a second home.

Tim Maxwell profile imageBy Tim Maxwell
Jan 15, 2026Mortgage

Compare Current 30-Year Mortgage Rates

Whether you’re a first-time homebuyer or seasoned homeowner, knowing what affects your rat...

Ben Luthi profile imageBy Ben Luthi
Jan 15, 2026Mortgage

Compare Current ARM Rates

If you’re planning to take out an adjustable-rate mortgage, here’s what you need to know a...

Ben Luthi profile imageBy Ben Luthi
Jan 15, 2026Mortgage

Compare Current 15-Year Refinance Rates

Interest rates on a 15-year refinance are lower than rates on a 30-year refi, though your ...

Gayle Sato profile imageBy Gayle Sato
Jan 15, 2026Mortgage

Average Mortgage Rates by Credit Score

Find out how your mortgage rate could change based on your credit scores.

Louis DeNicola profile imageBy Louis DeNicola
Jan 15, 2026Mortgage

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