Experian ConnectSM

Credit Sharing made Secure and Easy

Create an Account

Need to Share Your Credit Report?

Whether you need to send your credit information to a prospective landlord or need to be approved for financing, Experian Connect will allow you to purchase and view your credit report and score for $14.95 and then securely share it to people authorized by you for 30 days from purchase.

Experian Connect makes sharing safe. There are no social security and account numbers displayed on your report. Access is direct through Experian, the credit bureau.


 Get Started 

Need to Check Someone's Credit?

View the credit report and score of prospective clients or personal connections who have given you approved access. Perhaps you are a landlord evaluating a tenant, an attorney assisting a client or a parent giving advice to your child.

When you view someone's credit report and score through Experian, you can be sure you are seeing their information directly from the credit bureau and not from a fax, scanned copy or printout.


 Get Started 

Primary Uses for Experian Connect

Business Use

Personal Use



More Ways to Use Experian Connect

To use Experian Connect, you will be asked to give us your contact’s name and email address and we will send your invitation to connect.


No cost screening services by Experian

Use Experian Connect in the following situations: 

  • Renting/Leasing Property: Landlord  |  Renter
  • Contractor Evaluation
  • Auto Financing
  • Medical Financing
  • Professional Services Financing
  • Financial Planning and Tax Advice
  • Legal Advice
  • Advice from Family
  • Evaluating Financial Status
Experian Credit Report and VantageScore Credit Score Discussion

Securely Share Credit Information

Once you create your account on Experian Connect and have completed authentication, you will have the ability to do many actions quickly and securely.

 

 

                     Learn How Experian Connect Works
 

Sharing Consumer

 

  • Invite people you know and trust
  • Purchase and view your credit report and score
  • Securely show your credit report to your connections – You can show it to more than one connection for 30 days from purchase of report and score
  

Viewing User,

Small Business User

  • Invite clients and other people whose credit you need to see
  • Ask to view their credit information
  • View their credit report and score within 30 days of sharing consumer’s purchase
 

Consumers will be able to securely show their credit report and score to the connections they choose. This may eliminate manual paperwork and save you time – now decisions may be made quickly.

 

Join Experian Connect Today

 

 

A credit score is a number based on the information in your credit report. It is similar to a grade you would have received in school, but instead of right and wrong answers, your credit score is based on positive and negative credit history. Paying your bills on time and using your credit responsibly builds a positive history while paying bills late and being irresponsible with your credit builds a negative history.

There are many different ways to calculate a credit score. Experian ConnectSM uses the VantageScore® calculation with your Experian credit report. VantageScore® was developed by the three national credit reporting companies — Experian, TransUnion and Equifax. Unlike other scoring systems, it is the most consistent score using only one model with one set of scoring calculations, resulting in scores that are more uniform and consistent.

 
VantageScore Credit Score - A - Consumers in this group have credit scores that rank higher than 84 percent of U.S. consumers. Most lenders are likely to provide the best credit terms available to these consumers. B - Consumers in this group have credit scores that rank higher than 59 percent of U.S. consumers. Most lenders are likely to provide good credit terms available to these customers.C - Consumers in this group have credit scores that rank higher than 39 percent of U.S. consumers. Most lenders are likely to provide the reasonable credit terms available to these consumers. Some lenders may wish to review the credit history of consumers in this category in more depth and may require additional documentation in order to extend favorable terms.D - Consumers in this group have credit scores that rank higher than 19 percent of U.S. consumers. Lenders typically view consumers in this category as higher risk. While many lenders still make credit available, they likely will offer somewhat less favorable terms to compensate for higher default rates in this category.F - Consumers in this group have credit scores that rank in the lowest 19 percent of U.S. consumers. Lenders generally view this as a very high-risk group. Many prefer not to extend credit to this group. Some will extend more traditional credit but require much higher interest payments to compensate for the increased risk associated with this category.

What does it mean to create a “Connection” on Experian Connect?

In order to interact with someone else through this service, you first must go through a three-step invitation process. This invitation process allows both parties to confirm they know and trust each other before sharing important information, such as a credit report. Successfully completing the invitation process creates a link between the two accounts, and each party is now a “Connection” to the other. 

What is a credit report?

A credit report is a snapshot of your experience with credit-related accounts. Aside from some basic personal information, like your name and address to help identify your report, there are three main types of information on your credit report:

  • Public Records: Court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments and, in some states, overdue child support payments.
  • Credit Inquiries: Names of businesses or individuals that have obtained a copy of your credit report, including lenders, landlords, and employers.
  • Accounts: Payment history on all your Real Estate, Installment, and Revolving Credit Accounts. 

Will purchasing my credit report and/or showing my credit report to my Connections hurt my credit score?

No. When you order or show your credit report and score to your Connections it does not affect your score because it is what we call a “soft inquiry.”  Soft inquiries do not impact your credit score and do not appear on any credit reports viewed by other people. 

Can I use this service for both personal and business use?

Yes. In fact, if you are a small or independent business, it is important to know your personal credit information, too.

Does asking my Connection to see their report hurt their credit score?

No. When you ask a Connection to see their credit report and score, they will need to agree to show it to you. Once they do, it will not affect their score because this type of action is what we call a “soft inquiry”. Soft inquiries do not impact your credit score and do not appear on any credit reports viewed by other people.

  • © 2013 Experian Information Solutions, Inc. All rights reserved.