Free Credit Score
Get your FICO® Score* for free and see how you might look to a lender.
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Why check your Credit Score with Experian?
Credit Score factors
View the specific score factors that are impacting your FICO® Score.
Your credit score is calculated from the information found in your credit report. See the factors influencing your FICO® Score, including payment history, amount of debt, credit history length, amount of new credit, and credit mix.
Credit Score tracking
FICO® Score tracking powered by Experian data.
With an interactive FICO® Score tracker, you can visualize your progress over time and receive customized alerts when your score or rating change.
Boost your Credit Scores
Raise your FICO® Score instantly for free with Experian Boost
Get credit for your phone and utility bills by adding positive payments to your Experian credit file. Other services such as credit repair may cost you thousands of dollars and only help remove inaccuracies from your credit report.
Credit cards matched for you
See personalized credit card and loan offers based on your credit score with CreditMatch.
Use CreditMatch to compare credit card rates, rewards, fees, and other details to find the right card right for you.
What is a Credit Score?
A credit score is a number generated by an algorithm using the information in your credit report and is usually updated each month. Lenders and other service providers use credit scores to indicate your creditworthiness and how likely you are to repay a loan on time.
What is a good Credit Score?
There are multiple credit scoring models which means that a good credit score can be different depending on the scoring model being used. Credit scores can range between 300 and 850. A good credit score generally starts at 700, and a score of 800 or above is considered excellent.One of the most well-known credit scores is the FICO® Scores. A good FICO® Score starts at 670. The higher your credit score is, the better your chances are to be approved for a loan with better rates.
Why is checking your Credit Score important?
Checking your free credit score can be a good indicator of where your credit stands and whether you need to work towards improving your score. Lenders such as credit card companies, banks, and car dealerships providing auto loans use credit scores along with other criteria to decide whether to approve you for credit. Knowing your credit score before applying for a loan or any type of credit can help you better prepare and eliminate surprises such as unfavorable terms or even denial.
How to improve your Credit Score
Improving your credit score can take time but the sooner you address the factors affecting your credit, the faster your score will increase. You can increase your scores by taking the necessary steps, like paying bills on time, keeping your credit utilization ratio low, and paying down debt. It can also be a good idea to keep unused credit cards open and only apply for new credit accounts when necessary. Finally, you might want to make sure your credit reports don’t contain any inaccuracies that can potentially hurt your scores.
Another effective way to raise your credit score quickly is by using tools like Experian BoostTM, which allows you to add utility and telecom bills to your credit file. It could give your credit score an immediate increase that can be especially helpful to those struggling with building credit.
What can impact my Credit Score?
Your credit score can be affected by a number of factors and while the exact criteria can vary by scoring model, the most influential factor is typically your payment history. Even one missed payment can have a negative effect on your score.
Your credit utilization ratio also plays a big factor in determining your score. It’s solely based on your revolving credit and measured by how much of your available credit you’re using.
Credit scoring models look at the number, types and age of accounts you have. Maintaining a good mix of credit and positive history shows that you are able to handle new credit responsibly.
Although hard inquiries don’t make a huge impact on your score, they can temporarily lower it. Hard inquiries stay on a credit report for 2 years, but in general, the impact to your FICO Score will lessen after 1 year.
Lastly, negative information on your credit such as late or missed payments, foreclosures, collection accounts, and charge-offs can negatively impact your credit.
Does checking my free Credit Score hurt my score?
Checking your free credit score is considered a soft inquiry. Soft inquiries are not a factor in credit scoring models and therefore don’t impact your credit scores.
Why did my Credit Score drop?
Credit scores change all the time. If you notice that your scores went down, there may be a few reasons why. For example, your score could have dropped if you have a late or missed payment or recently applied for a new loan or credit card. Other possible reasons include increased credit utilization, closing an account, or a new derogatory mark on your report. Checking your free credit score can help you narrow down why your credit score may have dropped.