Experian Credit Report and FICO® Score*
Understand how your credit can look to lenders by checking your Experian® Credit Report and FICO Score. Whether it’s curiosity or a quick check before an upcoming financial event, checking your Credit Report and Score is a step in the right direction.
One-time cost of $19.99Check your Report & FICO® Score
*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.
Experian Credit Report
View your Credit Report including all of the accounts that are reported to your Experian Credit Report, along with how well you have been managing your overall credit and debt. You will also see who has been looking at your Experian Credit Report and if any negative items have been reported.
Your FICO Score*
Find out what your FICO Score is, but more importantly, learn what factors are used in the calculation of your FICO Score. See the specific positive and negative factors that are impacting your FICO Score. Knowing these factors can help you address any issues you may have with your credit.
Dispute online for free
If you see inaccuracies on your credit report, you can use the Experian Dispute Center to submit and track your disputes online.
Credit Report and Credit Score basics
What is a Credit Report?
Credit Reports are used by lenders to make decisions about creditworthiness. Your Credit Report contains information about how much debt you have, how much available credit you have, and whether or not you have made your payments on time. It also contains identifying information and public records, including liens and bankruptcies.
Does everyone have a Credit Report?
Not everyone has a Credit Report. A Credit Report is first created when you open a credit account for the first time and when the creditor reports the information to a credit bureau. If you have never had any credit accounts, then you will have no Credit Report. Also, credit information is deleted over time, and if you have a long period with no credit activity, then credit information would fall off and eventually, the Credit Report itself could be removed.
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 factors from information in your Credit Report, including your payment history, amounts owed on credit and debt, length of your credit history, recent credit, and the types of credit accounts you have.
Why are there so many questions when requesting an Experian Credit Report and FICO Score?
Experian takes security very seriously, and the questions asked provides a layer among multiple measures that guards against fraud and identity theft threats. If your identity cannot be sufficiently verified, you may be asked to provide your request in writing. By providing identity documentation, Experian can ensure the Credit Report is going to the correct person. View additional information on requesting a Credit Report by mail or how to dispute by mail.