How much does Experian cost?
The cost to check your Experian credit report and score is $19.95 and includes the ability to share your report for free. Also, there is no fee to check someone else's credit report.
Will purchasing my credit report hurt my credit score?
No, it won't. When you order your own credit report, it's called a "soft inquiry". Soft inquiries do not impact your credit score and do not appear on any credit reports viewed by other people.
How long is my credit report and credit score available for viewing with this service?
To protect your privacy, we keep copies of your credit report and score for 30 days only. If you need to keep a copy of your credit report for longer than 30 days, then you should print out your report. If you do print your report, you should be sure to store it in a safe place.
Can I get an updated copy of my credit report and score after I purchase?
Although you cannot directly request an updated copy until after 30 days have passed, your credit report will be updated whenever a connection, who you gave permission to, views your credit report for the first time. See ‘Why does my credit report and score get updated after I have showed it to a Connection?’ to learn more.
Are my credit card transactions safe?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology ensures that your credit card and other sensitive information are protected.
Do I have to pay sales tax?
That depends on the state in which you reside. Certain orders may be subject to sales tax based on specific laws in your state of residence. The address you provided during the authentication process is used to determine whether sales tax applies to your order(s) and if so, at what rate. Since sales tax rates may change over time, you might notice minor fluctuations in the final price.
Keeping your address up-to-date in our system will help ensure the sales tax is calculated accurately. You can easily update your address information anytime from the My Account page.
I don't have a credit card. Can I still purchase a credit report and score with this service?
Currently, we only accept credit card payments. Our service is not setup to accept checks or cash at this time. We apologize for any inconvenience.
Can I purchase another person’s credit report using my account?
No. You may purchase only your own credit report for use with your Experian Connect account. Please be sure to review the legal terms and conditions for use of this site regarding obtaining credit reports on another person. However, if you are wondering how other people could allow you to access their report, please review the information on asking to see a report.
Is this where I get my free annual credit report?
No, that is a different website called AnnualCreditReport.com.
How can I find out more about my rights under the Fair Credit Reporting Act?
Under the Fair Credit Reporting Act, you are entitled to receive a free copy of your consumer file disclosure once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.Annualcreditreport.Com. You are also entitled to a copy of your consumer file disclosure from Experian free of charge under certain circumstances, such as, if you were denied credit in the past 60 days, are a recipient of public welfare assistance, or are a victim of fraud or unemployed. You can also purchase a consumer file disclosure from Experian for a reasonable fee. You have the right to have trained personnel explain any information in your consumer file disclosure. You have a right to purchase a consumer credit score directly from Experian. You have the right to dispute inaccurate information in your consumer file disclosure without charge. You may have additional rights under applicable state laws. Please contact Experian's National Consumer Assistance Center at 1-888-397-3742 for assistance.
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