Free Credit Report
Get your Experian credit report and FICO® Score* to see how you might look to a lender.
No credit card required
Get your free credit report and FICO® Score*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.
Why get your free Credit Report from Experian?
See your latest credit information
See the same type of information that lenders see when requesting your credit.
Your Credit Report captures financial information that lenders use to determine your creditworthiness. This includes the type of credit accounts, current balances, payment history, and any derogatory items you may have. You will also get a summary of your account totals, total debt, and personal information.
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.
Free credit monitoring
Monitor your Experian Credit Report daily with alert notifications when key changes occur.
Credit monitoring can help you detect possible identity fraud sooner, and can help prevent surprises when you apply for credit. Get notified when new inquiries, new accounts, public records, fraud alerts, and personal information updates are detected on your Experian Credit Report.
Boost your Credit Scoresø
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.
Stay up-to-date
Get an updated Experian Credit Report every 30 days when you sign into your account.
Information in your Credit Report is frequently being added, updated or deleted. Account information is typically updated every month, and each account may be updated on different days. Potentially negative items, such as collections and bankruptcies may take a month or more to appear.
Online Disputes
Review and correct inaccuracies on your Experian Credit Report for free.
If you see inaccuracies on your credit report, you can use the Experian Dispute Center to submit and track your disputes online.
øResults may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.
Credit Advice
Why is my Credit Report important?
Your Credit Report provides information for lenders and others about how you make payments, your current and past credit mix, and whether your accounts are (or have been) in good standing. This information can help determine the terms you’re offered when you seek out new or more credit.
Why is checking your credit score important?
Credit scoring can be complex and takes into account a number of factors that could impact your overall creditworthiness. Your credit score includes the positive and negative factors affecting your credit. It gives you insight into what you are doing well and offers guidelines on how to improve your credit. With a free credit score from Experian, you can track your credit score progress over time and receive customized alerts when changes occur.
How to get your Annual Credit Report from Experian
Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax® and TransUnion® - once every 12 months. To get your Experian annual credit report online, and by phone or mail, visit www.AnnualCreditReport.com.
What is included in a Credit Report?
- Personal identifying information: Your full name along with variations that have been used, current and past addresses, date of birth, social security numbers and its variations, and employer information
- Accounts: Revolving credit and/or installment loans including account status, contact information, credit limits or loan amounts, recent payments, and individual or joint responsibility
- Payment information: Monthly payment information on all accounts
- Public records: Including bankruptcies, tax liens, and civil judgments
- Debts: Debts owed on all accounts including mortgages, credit cards, and auto loans
- Hard inquiries: Every time you apply for credit, a “hard inquiry” is placed on your Credit Report
- Negative information: Including late payments, collections, settled accounts, repossession or voluntary surrender, charge offs, and other derogatory items