Get More Insight Into Your Credit Report with Experian’s Credit Insight Program

Credit Scores and Credit Education on your Statement

Questions Regarding Your Credit Score

Find many answers to your credit questions in these short videos.

The VantageScore Difference

Reason Codes

Have you received a notice with your credit score and wondered what those alphanumeric codes on the notice mean? Those are reason codes and they usually correspond with a reason code description.

Empower Consumers

Help consumers learn the true meaning of a credit score.

True Credit Intelligence

View our Press Release

Experian Credit Insight Program unveiled to empower consumers with more than a score...

Experian Credit Insight Program

Receive a personalized monthly statement with your credit score and insights on what items are influencing your credit score, which lenders may use to determine the type of offer, and terms are best for you.

With Experian Credit Insight Program, you will receive not only your VantageScore® credit score, but also a more comprehensive picture of your credit standing with insight into items from your personal credit report that influence your score the most.

 

The Importance of Credit Scores

Banks, credit card companies, auto dealers and other lenders use credit scores, including VantageScore, to assess a borrower’s ability to repay his or her loan and to set loan/credit terms. In addition to credit scores they use a variety of other information, such as income, down payments, and employment status.

Credit scores also are frequently used by other entities, like landlords, to determine whether they want to enter into an agreement with a tenant and how much deposit they will require. The better the credit score, the more likely an individual will be to receive favorable terms.


Take Control of Your Credit

Checking your credit report and credit score are the first steps in taking control of your finances. By checking your credit report, you will see what credit accounts and debts are affecting your credit score. Your credit score is a reflection of your credit history and financial behavior. It provides you an idea of what information lenders, landlords, and employers see. A good credit score is essential for your financial well-being because the higher it is, the less of a credit risk you are, giving you more attractive loan options and paying less interest.

Although checking your credit report and score are great first steps, it often is not enough. Providing you with a deeper understanding of specific elements on the credit report and knowledge regarding what is behind the number is a valuable service that only Experian offers.

 

Benefits of Experian Credit Insight Program

Credit health is measured by more than just a number. You need context for what your credit score means, how to influence your credit health, and what factors influence lenders. Benefits of the Experian Credit Insight Program include:

  • The VantageScore credit score, which offers consistency across bureau platforms
  • Tracking your VantageScore credit score over time 
  • Access to key factor codes that contribute to your credit score
  • Personalized insight into several core factors that impact credit, such as credit utilization, delinquencies, and the number of open accounts
  • Score-focused online educational tools and assistance via the phone, helping you learn about credit and what your individual report means
  • An option to see your full credit report

 

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