Jump-start your credit with Experian GoTM

Credit can be confusing—that’s where we come in. Build your credit for free with Experian GoTM so you can start achieving your financial goals today.

Enroll in your free membership to use Experian GoTM.

682, Good FICO score

Why your credit matters

If you're just starting out, a good FICO® Score* can help you buy a car or rent an apartment someday. Regardless of your financial experience, we’ll help you establish, get access to and grow your credit from the ground up.

See how different scores may impact your credit approval odds.

Auto loan approval odds



Apartment or home rental approval odds

More likely

Less likely

*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

How it works

Sign up for your free membership

Step 1

First thing’s first—download the app and confirm a few details to enroll in your free Experian membership.


Establish your credit

Step 2

We’ll help you find your best path for starting your credit journey and generating a FICO® Score.

your Next step, get a credit card, become an authorized user

Build your credit history

Step 3

While you wait for your FICO® Score, we’ll provide insights and tools so you can start building healthy credit habits.

Hooray, let's celebrate your first Fico score!

Free credit 101

Your ultimate guide to credit

Get tips on understanding and improving your credit profile with access to our instructional e-book—available entirely in English or Spanish.


  • Experian GoTM helps you define your unique credit journey by guiding you step by step—from establishing credit to getting your FICO® Score. We’ll provide education and insights along the way, so you can learn about credit as it applies to you.

  • Credit checks are often required when opening a new account, finding a place to live or even starting a new job. Since your financial habits impact your credit, a credit score is a way for lenders to see how risky it is to lend to you.

    Usually the higher your credit score, the more likely you are to be approved for new credit. Just remember, credit is a journey—your score can grow with time and consistent healthy credit habits.

  • First you'll need to establish credit. There are many ways to do this, so we’ve made it simple. After setting up your Experian account, just answer a few questions, and we’ll recommend the credit path that works best for you.

    Once you establish credit, expect to see your FICO® Score when you have about 6 months of credit history. And if you have existing payment history on file, you’re already on your way to seeing your FICO® Score.

  • If you establish credit by opening a credit card, set yourself up for your best first FICO® Score by developing healthy credit habits as you build your credit history. Payment history is the most important factor in determining your FICO® Score, so make a plan of how and when you’ll pay and stick to it.

    Keep in mind, your first FICO® Score is a starting point. You may not qualify for the best credit cards and interest rates from the start, but remember, your credit journey is a marathon, not a sprint.

  • Getting your first FICO® Score opens a whole new world of credit. Reaching this milestone means you’ll graduate from the Experian GoTM dashboard and experience, and you’ll receive updated tips, financial insights and personalized credit offers to reflect the next stage of your credit journey.