What can we help you with?

The Fair Credit Reporting Act (FCRA) helps protect you by regulating how information in your consumer report can be used and accessed. You may request and obtain all the information about you in the files of a consumer reporting agency and are entitled to a free disclosure if:

• A person has taken adverse action against you because of information in your credit report.
• You are the victim of identity theft and place a fraud alert on your credit file.
• Your file contains inaccurate information as a result of fraud.
• You are on public assistance.
• You are unemployed but expect to apply for employment within 60 days.

In addition, you are entitled to a free credit report from all three credit reporting agencies. You can get free weekly credit reports through AnnualCreditReport.com.

Experian provides multiple ways to retrieve your account information. Each method helps to verify your identity before granting access to your account. Avoid repeated login attempts, as that may lock your account. If you still encounter issues with any of the online methods, you can always contact our member services for further assistance.

Experian also recommends using a password manager to keep your sensitive data safe online. These services generate strong passwords and help you more easily manage/access your online accounts.

To retrieve your username:

1. Provide your date of birth and Social Security number to help verify your identity.
2. Your username will be sent to the email address on our Experian account. Please check your spam or junk folder and allow 15 minutes for the email to arrive.

To reset your password with a verification code:

1. Provide your username associated with your account to get started.
2. To reset your password, you will have to provide the phone number connected to your account. You will have the option to receive the verification code by text message or phone call.

To reset your password with security questions:

1. Answer the security question with the answer you provided when you first registered.
2. Provide your 4-digit PIN.

To login using your mobile phone number:

1. Provide the phone number associated with your account to get started.
2. Verify your account with a text message or phone call.

Option 1: Update your membership online

Sign in to update your membership from a paid monthly membership to a free membership with no monthly costs by simply selecting the type of membership you would like to change to.

After you sign in you will be automatically redirected to your membership settings.

Updating to a free account online includes the following benefits:

• Your Experian credit report and FICO^® Score* updated daily on sign-in.
• Experian credit monitoring with alerts when key changes occur.
• Access to Experian online disputes to review and correct inaccuracies.
• Upgrade and change your account anytime as your needs change.

Option 2: Update your membership by phone

If you have questions about your membership or would like to update your membership, you may also contact us by phone.

To update your member notifications, you can:

1. Sign in to your Experian account.
2. Navigate to Your Account.
3. Go to Notification Preferences.

You can adjust your notifications for your score and credit rating changes, educational tips and for personalized offers sent to you.

Types of alerts that Experian will always send to you:

• Your credit file is locked, unlocked or frozen.
• There's an inquiry when your credit file is locked or frozen.
• Your info appears on any public records listings or people finder sites.
• A creditor needs to further verify your identity, possibly due to a fraud alert.
• Your personal info changes.

Experian, along with the other major credit reporting agencies (TransUnion and Equifax), is usually informed of a person's death by the Social Security Administration (SSA) or by the deceased's creditors.

To help prevent identity theft and ensure the process moves more quickly, it's a good idea to notify Experian directly as soon as possible. Note that only a spouse or another legally authorized individual—such as the estate's executor—can report a death to the credit bureaus.

If you're notified by Experian that your account has been disconnected from Experian Boost, follow the steps outlined below so you can get your account re-connected as soon as possible. This process is virtually the same as when you initially signed up for Experian Boost or Personal Finances and should only take a few minutes.

How to reconnect, step by step:

1. Sign in to your Experian account.
2. Tap “Reconnect now” on the banner that appears below the bank that's disconnected.
3. Reconnect your account by logging in with your bank credentials.
4. Head to your Experian Boost and/or Personal Finances dashboards and make sure the account is connected.

Why do I have to reconnect my bank account?

As Experian continues to work with our partners to provide the highest level of security and data privacy possible, we're always optimizing our systems to ensure the safety of your personal information.

As part of this process, your bank connection to Experian Boost and/or Personal Finances may be disconnected—if it hasn't been already—so that you can reauthorize your bank credentials with an updated and even more secure method of connection.

What happens when my bank account gets disconnected?

When your bank is disconnected from Experian Boost, Experian no longer receives a record of your payment history. This could result in losing any FICO^® Score point increases you've received so far from Experian Boost.

As time goes on, your bills are at risk of being removed if the information stored by Experian Boost isn't updated with new data for three months in a row. If you're using Experian's Personal Finances tool and your bank account remains disconnected, you'll also stop receiving personalized insights based on your transaction and spending history in that account.

To avoid the hassle, simply reconnect your account by logging in with your bank credentials. Once you do, your payment history will be loaded into Experian Boost and/or Personal Finances. Any payment information not received by Experian Boost during the period you were disconnected will be updated.

The Debt Bondage Repair Act prohibits credit reporting companies from providing credit reports that contain any negative item of information about a survivor of trafficking that resulted from the trafficking.