Where can I get a Spanish-language credit report?

You can download a printable copy of your Spanish-language credit report for free through Experian. Once you sign up, you can find the download link at the bottom of your credit report summary. You can also call Experian at https://www.experian.com/help/contact/ to request a copy of your Spanish-language report by mail.

How do I report a relative's death or request a credit report for a deceased relative?

Reporting the death of a relative to the bureaus adds a deceased indicator to their report, which can help limit criminals' ability to use your loved one's identity to commit fraud. Ordering a copy of a deceased person's credit report can also help you review accounts and look for any signs of identity theft. More information is available at https://www.experian.com/blogs/ask-experian/reporting-death-of-relative/. Experian and the other credit bureaus are typically notified of a death by the Social Security Administration or the deceased person's creditors. However, it's still a good idea to notify Experian to speed up the process and help prevent identity theft. To report the death of a loved one, obtain a certified copy of the death certificate and upload it online at https://www.experian.com/consumer/upload/ or mail it to Experian. You'll also need to provide some information about your loved one, including their Social Security number, as well as proof that you are authorized to act on their behalf. This could be a legal document indicating you're an executor of the estate or a surviving spouse. To request a deceased person's report, mail your request for a copy of the report to Experian, along with a certified copy of the death certificate and proof that you're authorized to act on your loved one's behalf. Mail the certified death certificate copy and request for the deceased person's report to: Experian, P.O. Box 4500, Allen, TX 75013. Once Experian receives the death certificate, we'll add a deceased indicator. There's no need to reach out to all three bureaus individually; once you report the death to one bureau, it'll notify the other two.

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Bankruptcies or accounts that get sent to collections can have a significant impact on your FICO^® Scores. You can check how much you currently owe on outstanding accounts.

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Why a good credit score matters and what it can do for you

By Evelyn Waugh

Your credit can open doors and shape your financial options. From borrowing money and renting an apartment to setting up utilities and qualifying for better interest rates, knowing where your credit stands helps you make smart decisions to reach the goals most important to you.

Checking your credit report and FICO^® Score for free through Experian gives you a clear view of your credit. From there, take control of your credit journey by reviewing personalized insights into what factors are having the biggest impact and find out what to do next to improve.

Here's why 87 million users come to Experian to check their credit reports and manage their finances.

What's included with your free Experian credit report and FICO^® Score?

When you create a free Experian account, access to your credit is just the beginning. Here's a look at what you get when you sign up:

Free credit report: You don't have to settle for an occasional view of your credit. You'll get free access to your Experian credit report, updated daily when you check for changes. You might only get monthly views elsewhere, but more continual updates tell you what's happening now and show how your credit habits pay off in real time.
Free access to your FICO^® Score: We give you ongoing access to your FICO^® Score, a key indication of your approval odds for credit cards and loans. Like your credit report, it's updated daily when you sign in.
Personalized insights: We use our expertise to evaluate the data in your credit report. Then, we give you smart, personalized tips to drive meaningful credit improvements.
Credit monitoring: It's never been more important to continually stay aware of exactly what appears on your credit report. Our free credit monitoring keeps you in the know, with real-time alerts about changes to your credit.
Experian Boost: Experian Boost is a free feature that helps you improve your FICO^® Score by giving you credit for eligible bill payments, including your phone, streaming service, insurance and online rent payments.
Card and loan matches: Our credit card and loan comparison platforms use your unique credit profile to match you with personalized offers. Plus, you can look for offers labeled No Ding Decline, which give you even more certainty with no hard inquiries on your credit report if you're not initially approved.

Beyond the benefits of a free membership, you can upgrade your account to receive a three-bureau credit report, giving you a convenient look at your Experian, TransUnion and Equifax reports and FICO^® Scores in one hub. Within a paid membership, you'll also have access to enhanced identity theft protection, along with money-saving tools like subscription cancellation and bill negotiation, which negotiates your bills on your behalf and lets you keep all the savings.

Learn more: Credit Score Basics: What Impacts Your Score and Why It Matters

Why checking your credit matters

Your credit can play a large role in the types of offers, rates and terms you may qualify for. It's one piece of a holistic approach to creating a healthy financial life.

Frequent monitoring is a smart way to stay on top of your credit, manage your debt and spot signs of identity theft. Here are some times you might want to check in:

Before you purchase a home or car: It's important to check your credit report at least three months before you plan to apply for credit for a large purchase, or even further ahead if you think you'll need time to make improvements.
Before (and after) a new credit application: When you want to take out a new credit card or loan, you'll know where you stand with no surprises when it's time to apply. Then check your credit report afterward for a view of how the new activity factors into your report.
After changes in your account balance: If you pay down a loan or reduce a credit card balance, you can take a quick look at your report to see how the change affects your credit usage. You might even see your scores increase.
If your information is compromised: Maybe you got a notification that your data was impacted in a breach. Maybe a phishing attack led to a leak of sensitive information. Or maybe you lost your wallet or credit card. Whenever a potential vulnerability is exposed, it's crucial to check your credit for any signs of abuse or fraud. You have the right to dispute inaccurate information you find on your credit report.

How to review your credit report

You can review your credit report for free through Experian to see what's impacting your scores. When you review your report, look over each section closely. Here's an overview of some of what you can find in your report:

Personal information: Your report includes identifying information such as your name (and any past names), addresses and birth year, plus phone numbers or employers reported by your lenders. Identifying information is tied to your report but has no impact on your credit.
Account information: See your credit cards, loans and other accounts, such as collections.
Credit inquiries: Your credit report lists hard inquiries, which occur when you apply for credit and the lender pulls your report. You'll also see soft inquiries on your report, but these don't factor into your credit score or impact your ability to get approved for credit. Checking your own credit never hurts your scores.

Beyond reviewing your credit report from Experian, you also have the right to a free credit report from each of the three major credit bureaus (Experian, TransUnion and Equifax) through AnnualCreditReport.com.

These free reports don't include your credit scores, however. If you need the full picture, you can upgrade your Experian account to a premium membership for ongoing three-bureau report monitoring. Other reporting agencies may also let you pay for a three-bureau report, but they don't include your FICO^® Score. An upgraded Experian account also comes with extra helpful features, like bill negotiation and identity theft protection, that can help you save money. Review each section of your report to ensure all the information is correct. If you find something you believe is inaccurate, you have the right to file a dispute online, by phone or by mail.

How we can help you improve your financial future

Experian is the only resource offering free daily access to your FICO^® Score, the credit score used by 90% of top lenders. Beyond giving you access to more widely used information, we also help you leverage that information to save more money and build a better financial life.

Improve your score

Use Experian Boost to get credit for the eligible, on-time bill payments you already make each month. You can also sign up for an Experian Smart Money digital checking account to get credit for your everyday spending, potentially improving your FICO^® Score without going into debt.

Remember, a better credit score can help you access better credit card offers, loan terms and insurance rates.

Manage debt

Your credit report shows you all of your reported balances in one place. If you have late or missed payments, prioritize paying them down to see faster improvement in your credit scores.

Stay proactive against fraud

You can access critical fraud-fighting tools directly from your Experian account. Review your credit report to ensure all the information you see on your report is correct. If you see information you believe is incorrect, you have the right to file a dispute. Unrecognized accounts can be a sign of credit fraud.

Beyond disputing inaccurate entries, if you suspect you may be a victim of fraud, there are resources available to you. You can place a fraud alert or freeze your credit to add an extra layer of protection against scammers opening accounts in your name.

Learn more: What You Can Do to Avoid Identity and Credit Fraud

Upgrade for more reports

You can register for a free Experian membership and log in anytime for an ongoing look at your score and Experian credit report. Beyond that, you can also upgrade for access to your TransUnion and Equifax reports, and industry-specific credit scores for mortgages, auto loans and more.

Your credit report and score are just the beginning

The web is crowded with financial information. Experian helps you cut through the noise with credit insights, personalized tools and guidance grounded in your actual credit profile.

We show you snapshots of what's changed on your report, and information on what's making a difference in your FICO^® Score. You can also chat with EVA, the Experian Virtual Assistant, to ask questions about your credit and finance in the moment.

From there, put your credit to work for you by seeing what rates you might qualify for with our credit card and personal loan comparison platforms. Unlike competing apps, we use your actual credit data to match you with the best offers and save you money.

Frequently asked questions

No, checking your own credit report does not hurt your credit scores. Checking your own credit generates a soft inquiry, which has no impact on your credit scores.

In contrast, hard inquiries occur when a lender or other authorized party pulls your credit report to evaluate an application for credit. Hard inquiries can appear on your report and may cause a small, temporary decrease in your score.

Yes. It's completely free to check your credit report through Experian, and you don't need a credit card to sign up. Experian updates your credit report daily when you check for changes, so you can stay up to date on what's in your report at no cost.

You can download a printable copy of your Spanish-language credit report for free through Experian. Once you sign up, you can find the download link on your credit report summary. You can also call Experian to request a copy of your Spanish-language report by mail.

You can check if your minor has a credit report by submitting a request online or by mail to Experian. Most minors don't have credit reports. If your minor has a credit report but they're not an authorized user on one of your accounts, they may be a victim of identity theft.

If you're a minor age 14 or older, you can request a copy of your report and access prevention tools online. For example, you could place a security freeze online for better protection against fraud. Parents of minors age 13 years or younger can write to Experian to check if Experian's database contains information about the minor.

The Fair Credit Reporting Act (FCRA) is a federal law that promotes fairness, accuracy and privacy in credit reporting. The FCRA regulates how credit bureaus collect the information in your file, plus how the information in your file can be used and accessed.

Under the FCRA, you have the right to know what's in your credit reports. You can get your Experian, TransUnion and Equifax credit reports weekly for free at AnnualCreditReport.com or by calling 877-322-8228. You can also mail in a request for your free reports. Be aware that your free AnnualCreditReport.com reports don't include your credit scores. It's always free to get your credit report and FICO^® Score through Experian, updated daily when you sign in.

You also have the right to a copy of your credit report any time the information in your report is used to deny you credit or take another adverse action against you. The lender must provide you with an adverse action letter detailing the reasons behind the adverse action, the credit score used to make the decision, the contact information of the credit bureau from which the report was pulled and instructions on how to access a free copy of your credit report. The adverse action letter must also inform you that you have the right to dispute information in your credit report that you believe is inaccurate.

You're also entitled to a free copy of your credit report if:

You're the victim of identity theft and place a fraud alert in your file
Your file contains inaccurate information as a result of fraud
You're on public assistance
You're unemployed and expect to apply for employment within 60 days

Reporting the death of a relative to the bureaus adds a "deceased indicator" to their report, which can help limit criminals' ability to use your loved one's identity to commit fraud. Ordering a copy of a deceased person's credit report can also help you review accounts and look for any signs of identity theft.

Experian and the other credit bureaus are typically notified of a death by the Social Security Administration or the deceased person's creditors. However, it's still a good idea to notify Experian to speed up the process and help prevent identity theft.

Reporting the death of a loved one: Obtain a certified copy of the death certificate and upload it online or mail it to the address below. You'll also need to provide some information about your loved one, including their Social Security number, as well as proof that you are authorized to act on their behalf. This could be a legal document indicating you're an executor of the estate or a surviving spouse.

Requesting a deceased person's report: Mail your request for a copy of the report to Experian, along with a certified copy of the death certificate and proof that you're authorized to act on your loved one's behalf

Mail the certified death certificate copy and request for the deceased person's report to:

Experian

P.O. Box 4500

Allen, TX 75013

Once Experian receives the death certificate, we'll add a "deceased indicator." There's no need to reach out to all three bureaus individually; once you report the death to one bureau, it'll notify the other two.

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