When you order your $1 Credit Report & Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $19.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Whether you need to send your credit information to a prospective landlord or to get advice from your family, Experian Connect will allow you to view your credit report and then securely show it through authenticated connections with people that you know and trust.
What is a Credit Report? Your personal credit report contains details about your identity and financial behavior. This user-friendly report is sometimes called a credit file or a credit history. Experian® collects and organizes data about your credit history from your creditor's and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit.
What's in a Credit Report?
Accounts in your credit report can include credit cards, retail credit cards, real estate loans, installment loans, such as auto loans, and collection accounts. Your creditors report different information to the credit bureaus and may also provide their contact information in your credit report. 90% of the credit score calculation is based on how you manage your different accounts as reported by your creditors.
Hard inquiries are the result of your application for credit or other services, and stay on your credit report for 25 months. These type of inquiries can represent additional debt that doesn't yet appear as an account in your credit report, and this potential new debt is an indicator of risk, so a recent inquiry can have a small impact on credit scores. 10% of the credit score calculation is based on how often you try to apply for new lines of credit.
The second type of inquiry is known as a "soft" inquiry because it does not affect lending decisions or credit scores. These type of inquiries appear only on your personal credit report and are not shared with anyone else, including potential creditors. A soft inquiry can include getting copies of your own credit report, purchasing a credit score and credit report for yourself, preapproved credit offers, inquiries for insurance and employment purposes, and inquiries made by your existing lenders for account review purposes.
Public Records are financial accounts in your credit report attributed to legal actions such as bankruptcies, tax liens, and court judgments. They do not include information like arrests, misdemeanors, or other non-financial situations. These types of records on your credit report damages your credit score.
How often is my Credit Report updated? In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc. This is why it's important to have access to your credit report every day.
How to Dispute Credit Report Information. Start with a Current Copy of Your Experian Credit Report. If you don't have one, order online for immediate report and dispute access. While viewing your credit report online you'll be able to dispute any incorrect information.
Experian is the leading global information services company. For more than a decade, Experian has been America's number one provider of credit information. Experian is the market leader, delivering more than 500,000 credit reports to consumers each month. We continually help individuals to check their credit report and credit score as well as protect against identity theft.
* The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.
Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn More.