Important Information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don't cancel your membership within the 7-day trial period**, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership any time within the trial period without charge.

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.

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  • Experian Credit Report
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  • Email Alerts on Key Changes
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  • Experian Credit Report
  • FICO® Score
  • Daily Credit Monitoring
  • Fraud Resolution Support
  • Experian Credit Hotline
  • $1.00 / 7-day trial

3-Bureau Credit
Report and FICO® Scores

  • 3-Bureau Report
  • 3-Bureau FICO Scores
  • Experian Credit Hotline
  • $39.95

Experian Credit
Report and FICO® Score

  • Experian Credit Report
  • FICO Score
  • Experian Credit Hotline
  • $19.95
Why get your credit report and FICO® Score direct from Experian?

Unlike other sites that offer reports and scores, when you enroll in Experian CreditWorksSM, you'll receive personal phone support to help navigate your Experian credit report and answer your credit questions.

Experian's Credit Hotline is dedicated to helping you understand your credit information.

Do you know the credit score basics?

By using your credit score, a lender can make decisions about the risk of extending credit to you. Whatever the life event you're facing, many of life's bigger moments require some funding assistance--and a credit score calculation allows lenders to evaluate your creditworthiness quickly and fairly. A credit score reflects the information found on your credit report, though different calculations weigh certain factors differently, and will change as the information in your report changes, too. Checking your credit scores is a great way to engage with your credit, and learn how certain behaviors can help or hurt your scores.

Your FICO Score powered by Experian considers the credit information that comes from your Experian credit report. Experian is the number one provider of online credit reports and scores in the United States for over ten years. Your FICO Score can range anywhere between 300 and 850.

35% of your FICO Score comes from your payment history

The most significant factor that determines your FICO Score is your payment history. Using credit responsibly and paying your accounts on time can be an important indicator that your financial habits are solid.

30% of your FICO Score is based on your amounts owed

Your amounts owed offers up a snapshot of the total balance you currently have outstanding. Not a bad thing, it simply shows a high-level view of what you owe on all your currently open accounts.

15% of your FICO Score is based on your length of credit history

Showing that you have well-established accounts in your credit mix can be a great way to show lenders and others that you've been using credit responsibly for an extended period. Your Experian credit report shows closed accounts with no negative information attached for 10 years from the date they're reported as closed. As a result, positive credit information remains on your Experian credit report longer than most negative information, such as the occasional late payment.

10% of your FICO Score is based on the types of credit in use

You may have each of the four types of credit represented on your Experian credit report: real estate loans, installment loans, credit cards, and retail credit cards. Your FICO Score considers each of these.

10% of your FICO Score is based on new credit

New credit or inquiries from creditors show on your Experian credit report for two years, but only the last year impacts your FICO Score. Sometime opening several credit accounts in a short period of time represents a greater risk to lenders - especially if there isn't also an established credit history on record. This can be a sign of trying to overspend.

FICO Scores range from 300 up to 850, and average scores fall between 670 and 680. The median FICO Score is 710. Many credit scoring models exist, each with its own unique caculation, because different lenders may require customized scoring models when evaluating and assessing your creditworthiness for their specific offer. Lenders use varying scoring models that have different score ranges to help them make their decisions about when and how to grant you credit. For example, the needs and scoring requirements for mortgage and auto lenders are as different as the loans that you may be seeking from each. Accordingly they have customized scoring models to help support their needs. Even though these types of credit scores may differ in terms of number and range, it's likely that they'd both communicate the same level of lending risk. When you get your FICO Score from Experian, you also receive an explanation of what the score represents, so you'll be able to better understand the factors in play that can help and harm the FICO Score. When you review your FICO Score, try to understand how the factors from within your Experian credit report have played a role in determining the final outcome - these factors will be consistent no matter which scoring model is used.

A credit score isn't included within your Experian credit report. The information in your Experian credit report is collected from various companies that provide data about your credit. The companies who provide information about your credit must follow specific credit reporting rules, which are laid out in the federal Fair Credit Reporting Act. The FICO Score powered by Experian is considered external to your Experian credit report because it is an additional value provided at the time of request.

Keeping your credit healthy is a job for every day. Knowing the ways you can connect with your credit and make it a part of your regular routine can help you spot suspicious activity, track your progress, and prepare for life's big upcoming events.

Consider each of these opportunities to review your credit regularly and live credit confident:

  • Make sure your bills are paid on-time. Late payments and accounts in collections can negatively impact your credit scores.
  • Use credit wisely. Keep your credit card balances low and your payments current.
  • Seek new credit sparingly. Only apply for new credit accounts when you need them, since too many inquiries for credit in a short amount of time can impact your scores.
  • Consider paying down your debt instead of shifting it. At the right time, this can help you trim down the total amount you owe.

Closing old or unused accounts can hurt your credit score. Ensuring that your payments happen on time is one of the most important behaviors that determine the health of your credit. Other significant factors include keeping your credit utilization rate low, and how aged your accounts are. When you close an unused account, you eliminate those open credit lines, and in turn, decrease the amount of total credit available to you. When decked against the total amount that you owe, this can increase the perception that you're using more of the total credit available to you. Furthermore, having aged accounts on your credit report can show that you've been responsible with credit for an extended period of time - usually considered to be something that can positively impact your credit.

To learn more about credit in general, your credit report and credit score, visit Experian's Credit Education blog, where you can get answers to your own questions and boost your credit confidence.

** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.