A good Credit Score is essential for your financial goals because the higher your Credit Score is, the less of a credit risk you are likely to be considered by a lender. View your FICO® Score1 and more with Experian CreditWorksSM Premium.
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1Credit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn More.
Why get your Credit Score from Experian?
FICO® Score based on Experian data
FICO Scores are used by lenders more than any other brand of Credit Scores.
Your FICO Score 8 can range from 300 to 850, and can influence whether you qualify for a loan and impact the interest rates that are offered to you. Get a new FICO Score and Experian Credit Report every day on sign in, with updated factors impacting your credit.
See what impacts your Credit Score
View the specific positive and negative factors that impact your FICO Score.
Your Credit Score is calculated from the information found in your Credit Report. See how you rate and what factors are influencing your FICO Score, including Payment History, Amount of Debt, Length of Credit History, Amount of New Credit, and Credit Mix.
Know when your Credit Score changes
Track your FICO Score and get notified when it goes up or down or moves you into a different risk level.
Gain insight into your FICO Score with helpful resources to track your progress. With an interactive FICO Score tracker, you can visualize your progress over time and receive customized alerts when your score changes. You’ll also see the specific score factors that are impacting your FICO Score.
Get support when you need it
Get personalized support from our dedicated team of Credit and Fraud Resolution Agents.
With daily monitoring, you will know when key changes occur such as a new account, address change, hard inquiry, and fluctuations in balance-to-debt ratios and credit limits. If fraud or identity issues are found, an assigned agent will work closely with you to resolve them.
Credit Score basics
What is a Credit Score?
A Credit Score is a number lenders use to help decide how likely it is that they will be repaid on time if they give a person a loan or a credit card. Your FICO Score 8 ranges from 300 to 850 and is based on calculated factors from information in your credit report.
Why does a Credit Score matter?
Credit Scores represent the risk that lenders use in the repayment of consumer debt. Based on your risk level, a Credit Score can help determine if you qualify for a loan and mean the difference in hundreds or thousands in savings based on the interest rate offered.
What types of information can negatively impact a Credit Score?
There are many things that can potentially negatively impact a Credit Score, but include the number and severity of payments, the type and number of accounts along with their age, total debt, and public records such as bankruptcy, tax liens, and civil judgments.
What is a good Credit Score?
A FICO Score between 670 and 739 is considered to be good and is within the median score range. A FICO Score above 800 indicates an exceptional score and consumers in this range may have more favorable terms and an easier approval process with new credit.