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90% of top lenders use FICO Scores*.

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No credit card required for the following benefits:

  • Your Experian FICO® Credit Score
  • Your Experian Credit Report
  • Experian credit monitoring with alerts
  • Checking your credit will NOT lower your Score
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*Credit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

Things you'll see on your Free Experian Credit Report.

(Refreshed every 30 days upon sign-in)

Hard Inquiries

A credit check by a lender or landlord is called a Hard Inquiry and will show up on your credit report.

Potentially Negative Information

This includes loan defaults, late payments, delinquencies, charge-offs, collections, and public records.

Experience a wealth of free credit resources.

Credit Smarts

Access to helpful financial tools and valuable knowledge that can make you better prepared to achieve your goals. Learn more