Important Information: 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 any time within the trial period without charge.

Compare Credit Score Products

  • Experian Credit Report
  • Experian Credit Score
  • Email Alerts on Key Changes
  • Fraud Resolution Support
  • Experian Credit Hotline
  • Daily Internet ID Scanning
  • Product Price

Experian Identity
Theft Protection

  • Daily Credit Monitoring
  • $15.95 /month

3 Bureau Credit
Report and Scores

  • All 3 Bureau Reports
  • All 3 Bureau Scores
  • $39.95
Why get your report and score directly from Experian?

Unlike other sites that offer reports and scores, when you enroll in Experian Credit Tracker, it includes personal phone support to help you navigate your credit report and assist you with your credit questions.

Experian's Credit Hotline is dedicated to help you on your path to financial success.

Do you know your credit score facts?

By using your credit score, a lender can evaluate the risk of extending credit to you. Whether it is buying a home or car, or even starting a small business, a credit score provides the lender a quick way to view your credit risk. This risk represents the likelihood of you paying your loans back and on time. A credit score can change frequently and goes up or down as information in your credit report changes. Your credit report could change daily as your creditors provide new information constantly. Checking your credit score is a good way to keep track of changes to your credit as this is indicative of positive or negative events (that have occurred) in your credit history.

30% of your credit score is based on your credit usage

Credit usage refers to how much money you've spent on accounts that have credit limits, such as credit cards. Also called a utilization rate, it measures your total balances compared to the total of your credit limits. High credit usage or utilization rate is a strong indicator of credit risk and can lessen your ability to gain new loans.

31% of your credit score is based on your payment history

The most significant factor in determining your credit score is your payment history and making your payments on time. Late payments remain on your credit report for 7 years from the original delinquency date. The original delinquency date is the payment date that was first reported late by your creditor.

15% of your credit score is based on the age of your accounts

Having a lengthy credit history shows lenders you have an established record of managing your debt. Closing older accounts, such as credit cards could negatively impact your credit score. Experian retains closed accounts with no negative information associated with them for 10 years from the date they are reported closed. As a result, positive credit information remains on your credit report longer than most negative information, such as late payments.

14% of your credit score is based on the types of accounts you have

There are four basic types of credit: Real Estate Loans, Installment Loans, Credit Cards, and Retail Cards. Having a good mixture of credit types along with high quality accounts, such as a mortgage loan, shows lenders you can manage your credit responsibly.

10% of your credit score is based on inquiries or "credit checks"

Every time you apply for credit, a "hard inquiry" is placed on your credit report. Having too many hard inquiries could indicate to lenders that you're trying to overspend. Hard inquiries stay on your report for 2 years.

Experian credit scores mostly fall between 600 and 750. A credit score above 700 signals good credit management and typically results in better rates than for those with scores under 700. Experian's score range is between 330 and 830. There is a great variety of credit score models with several score ranges because different lenders may require custom scoring models when assessing your credit. Lenders use varying score models with different score ranges to help guide their decision on determining your rate and to grant you credit. For example, an auto lender and a mortgage lender have different needs and criteria, and therefore custom scoring models would be used to calculate your credit score. Even though these types of credit scores could be different in number and range, it is likely that your two different scores represent the same level of lending risk. When you get your credit score from Experian, you also get an explanation of what your credit score number represents in terms of how lenders view your risk or worthiness, along with the factors that affect your credit score. If your Experian credit score is good, you will likely have a good credit score with your lender, even if the numbers are different. When you review your score, you should not focus too heavily on the number, but where you fall in the range of risk and what factors in your history most influenced your score. These score factors will be consistent no matter which scoring model is used.

Credit scores are not included in your credit report. A credit score is calculated by the credit reporting agency from the information that is in your credit report and is not part of your report. The information in your credit report is collected from various companies that provide data about your credit. These companies have to follow specific credit reporting rules, as listed under the federal Fair Credit Reporting Act. A credit score is not part of your report because it is an additional service provided that is calculated at the time of request.

Improving your credit score takes time. If your credit score is based on accurate information, then there is no quick way to improve your score. Consumers can sometimes find inaccurate information in their credit report that was reported by lenders. And sometimes this inaccurate information could potentially affect your credit score negatively. In such cases, you can file a dispute with Experian, where our specially trained agents can work with you to correct the information from your lender. In order to initiate the dispute, you will need a copy of your credit report.

Steps to improve your credit score. A credit score is calculated based on your credit payment over time, with more emphasis on recent payments.

  • Pay your bills on time. Late payments and collection can have a major negative impact on your credit score.
  • Keep your credit card balances and other revolving debt low. High outstanding debt can impact your credit score negatively.
  • Only apply for and open new credit accounts when you need them. A high number of credit inquiries in a short amount of time can lower your credit score.
  • Think about paying off debt instead of moving it around. A positive long-term payment history on your credit accounts will be beneficial to your credit score.

Closing old or unused accounts can hurt your credit score. The most important factor is not missing any payments. Other important score factors are having a low balance-to-limit ratio and the age of your accounts. If you close an unused account, you eliminate those open credit lines and in turn, decrease the amount of credit available. When compared to the amount you owe, this could increase your ratio and perception that you are close to your max on your remaining accounts. Also, the age of your accounts show your credit worthiness over extended periods of time and closing an old account could also affect you negatively.

To learn more about credit advice, your credit report and credit score, visit Experian's official Credit Advice blog, hosted by Maxine Sweet, Experian's Vice President of Public Education.

Credit Products and Consumer Assistance

** 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.