Experian ConnectSM

Checking Someone's Credit Can be Quick and Easy

See the Consumer's Credit Score

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Contact us to learn how Experian Connect can help you.

View and Evaluate Someone’s Financial Status

Experian Connect will let you view the personal credit report and score of consumers, who have granted you access. When you view and evaluate 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 scanned copy or print out.

View Credit Report & Score

Secure Credit SharingQuick Credit Checking - View Credit Report and Score

Once you create your account on Experian Connect and you have completed authentication, you can start inviting the people, whose credit you need to view, as connections. After they complete authentication and accept your invitation, they will be able to:

  • Purchase and view their credit information 
  • Grant you access to view their credit report and score within 30 days of purchase.

You will be able to quickly view the consumer's credit report and score. This may eliminate manual paperwork and save you time – you may be able to make smart decisions faster.

 

 

Experian Credit Report and Score

What is a credit report?

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

What is a credit score?

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

There are many different ways to calculate a credit score. Experian Connect uses the VantageScore® calculation with the 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.

How is the score determined?

Developers of credit scoring models review a selection of consumers — often more than one million. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable.

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