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  • Checking your own credit will NOT lower your score
  • Review your credit report for unfamiliar information
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IMPORTANT INFORMATION: When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.

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3-Bureau Credit Report & FICO® Scores

See your credit reports and FICO scores from Experian, Equifax® and TransUnion® in one easy-to-read report.

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Experian Credit Report & FICO® Score

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  • Additional Services & Products
  • More About Credit
  • Credit Advice
How do I dispute information on my credit report?

As a consumer you have a right to dispute any item that you feel is incorrect on your credit report through that particular credit bureaus dispute process. All three bureaus have an online dispute process you can access to file a dispute. For Experian members, you can dispute right within your member product. If you have your 10-digit report number, you can visit Experian's online credit report dispute.

Where do I go online to get my free credit reports from the three credit bureaus?

To get your free credit reports from each of the 3 major credit bureaus you would go to AnnualCreditReport.com and request your free credit reports from each of the 3 credit bureaus. You can also get more information about how to get your free credit report from Experian. If you have been denied credit and meet certain conditions you may also be eligible to receive a discounted or free credit report. Credit scores are not included with the credit report, but you can purchase a credit score as an additional service.

How do I place a Fraud Alert/Security Freeze on my credit report?

You may call Experian at (888) 397-3742 or request a fraud alert or security freeze online. You may also contact the other two bureaus if you wish, however Fraud Alerts are shared with the other bureaus once you place one with a single bureau.

How long do negative items stay on your credit report?

Negative credit history generally remains on your credit report for 7 years from the date the account is closed, or 7 years from the date of the first delinquency.

Why is it important to check your Experian credit report regularly?

Many people frequently pay attention to their credit scores when they buy big-ticket items such as a new car or a home. While these are some of the most familiar reasons consumers monitor their credit reports, credit scores and reports are used for many other reasons as well. Good credit can get you better rates on common necessities such as car insurance premiums, cell phone contracts and apartment rental agreements. Some employers even check prospective employees' credit reports before making final hiring decisions. In addition, despite increased public awareness of identity theft, the crime continues to grow. Therefore, learning what's in your credit report, understanding your credit score, and monitoring your credit has never been more important.

Get to know your credit report and let Experian help you understand your report with answers to your questions. Experian is dedicated to help you on your path to financial success.

Since 1997, Experian has been answering consumers' credit questions in our Ask Experian column - providing helpful credit advice to questions about credit reports, credit scores, identity theft, and other important topics.

Visit our extensive Credit Education section, where you will find helpful information on understanding credit reports and credit score basics, managing your credit and protecting your identity.

You can also connect with us on Google+ for additional news and advice.

** 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.