Free credit report
Check your Experian credit report and FICO® Score* to understand how you may look to lenders.
See your latest credit info
Better understand your credit with an overview of where it currently stands.
Get free credit monitoring
Check for any changes with an updated report every 30 days.
Get to know your FICO® Score
View specific factors that are affecting your score and how to improve it.
Why check your free credit report with Experian?
Reviewing your credit report can help you spot potential fraud or identity theft.
Lenders sometimes make mistakes—so it's smart to look for and dispute any errors that could be impacting your credit.
Reviewing your credit report helps you prepare to take out a loan, get a new credit card or rent an apartment.
What can you do with your credit report?
Pay down your debt
Credit reports show all your debt, including revolving credit and installment loans, so you can make a plan to tackle your debt and improve your financial health.
Manage unpaid accounts
Bankruptcies or accounts that get sent to collections can have a significant impact on your credit score. You can check how much you currently owe on outstanding accounts.
Access your payment history
Payment history is an important factor in determining your credit score. Your credit report shows on-time, overdue or late payments across your accounts.
Review credit inquiries
Your credit report shows hard inquiries like when you’re applying for new credit or a loan. Soft inquiries appear when lenders run a credit check or you check your own credit.
Frequently asked questions