Sign In

Credit report & scores

Understand how credit reports and credit scores work, what they mean and why you should monitor yours regularly.

Report advice icon

Report advice

Score advice icon

Score advice

Establishing credit icon

Establishing credit

Improve credit icon

Improve credit

Credit repair icon

Credit repair

Life stages icon

Life stages

Editors' picks

Take action with these tools

Free credit report icon

Free credit report

Get access to your free Experian credit report and FICO® ScoreΘ.

Get your FICO® Score

Free credit monitoring

Stay on top of your credit and monitor your spending.

Experian Boost®

Instantly raise your credit scores for free—just by paying your bills.ø

Disputes

Correct inaccuracies on your Experian credit file.

Free Experian app

Manage your finances any time, anywhere on your phone.

What others are reading

A smiling woman holding her phone and standing on a pier.

What Is a Good Credit Score?

You need a credit score in the mid- to high-600s to have good credit. Find out how to get ...

Louis DeNicola profile imageBy Louis DeNicola
Jan 6, 2025Score advice

How to Contact the Credit Bureaus

Jim Akin profile imageBy Jim Akin
Jan 30, 2025Credit report & scores

How to Dispute Credit Report Information

Louis DeNicola profile imageBy Louis DeNicola
Mar 13, 2025Dispute

What Are the Different Credit Score Ranges?

Louis DeNicola profile imageBy Louis DeNicola
Dec 18, 2024Score advice

How Do I Get a Paid Collection off My Credit Report?

Karen Axelton profile imageBy Karen Axelton
Sep 11, 2024Collections

How to Remove Late Payments From Your Credit Report

Louis DeNicola profile imageBy Louis DeNicola
Sep 13, 2024Late payment

The latest from our experts

How Often Is a Credit Report Updated?

Lenders and other data reporters typically update credit information with the national cre...

Jim Akin profile imageBy Jim Akin
Aug 4, 2025Report advice

Credit Building for Immigrants: A Step-by-Step Guide

If you’re new to the U.S., learn how to build credit from scratch with this step-by-step g...

Karen Axelton profile imageBy Karen Axelton
Aug 1, 2025Establishing credit

What Is Experian Boost®?

Experian Boost could help you instantly boost your FICO Score using utility, cable, intern...

Stefan Lembo Stolba profile imageBy Stefan Lembo Stolba
Jul 31, 2025Improve credit

What Affects Your Credit Scores?

Credit scoring software combs and analyzes credit reports to evaluate how you manage credi...

Jim Akin profile imageBy Jim Akin
Jul 30, 2025Score advice

11 Facts About Credit You May Not Know

Credit score myths and misconceptions abound, and here are 11 facts that you probably don'...

Louis DeNicola profile imageBy Louis DeNicola
Jul 30, 2025Credit report & scores

What Is Probate?

Probate is the legal process of transferring property after someone dies. It can take a ye...

Karen Axelton profile imageBy Karen Axelton
Jul 24, 2025Death of a relative

How to Opt Out of Preapproved Credit Offers

If you’d like to stop getting credit offers that are preapproved based on your credit repo...

Jim Akin profile imageBy Jim Akin
Jul 23, 2025Report advice

How to Protect Your Credit During a Recession

An economic downturn could hurt your credit score if financial changes leave you overly re...

Stefan Lembo Stolba profile imageBy Stefan Lembo Stolba
Jul 22, 2025Score advice

How to Improve Your Payment History

Your history of debt payments, and whether you made them on time, late or missed them alto...

Jim Akin profile imageBy Jim Akin
Jul 18, 2025Improve credit

Can Someone Check My Credit Without Permission?

U.S. law requires many entities to get written consent before checking your credit, but al...

Jim Akin profile imageBy Jim Akin
Jul 18, 2025Report advice

Can One 30-Day Late Payment Hurt Your Credit?

A 30-day late payment may be reported to credit bureaus, appear on your credit report and ...

Gayle Sato profile imageBy Gayle Sato
Jul 10, 2025Late payment

Does Getting Preapproved Affect Your Credit?

A preapproval can help you gauge your odds of approval for a loan or credit card. However,...

Ben Luthi profile imageBy Ben Luthi
Jul 9, 2025Score advice

How good is your credit score?

Monitor credit score icon.

Examples: 600, 700, 780, 803

Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances through expert guidance and innovative tools. As a trusted platform for money management, credit education, and identity protection, our mission is to bring Financial Power to All™.

Support

Education & advice

Credit resources

Experian's Diversity logo.

Experian’s Inclusion and BelongingLearn more how Experian is committed

Data privacy logo.

Data privacyYour privacy choices

Download from the Apple App Store.Get it on Google Play.