How to choose the best Experian membership for you
The Experian membership that's right for you depends on your financial goals and where you are in your credit journey.
Most people start with a free Experian membership, which gives you access to your Experian credit report and FICO® Score, along with essential tools to monitor your credit and explore personalized offers.
From there, you can choose to upgrade based on what you need most:
- Build and improve credit: Experian Core includes advanced credit tools, additional credit scores and credit protection features to help you prepare for major financial decisions.
- Manage your money and cash flow: Experian Money Plus℠ adds tools like Experian Cash™ powered by Brigit and Experian Smart Money™ Digital Savings Account to help you budget, save and handle short-term expenses.
- Protect your identity and finances: Experian Premium includes 3-bureau credit monitoring and comprehensive identity theft protection for greater peace of mind.
Access to your Experian credit report and FICO® Score, credit protections like security freeze and fraud alert tools, and offers for credit cards and loans matched to your credit profile and opportunities to save on car insurance are part of all plans, including free memberships.
Free Experian membership: Access basic credit-building tools
If you're seeking a simple path to building credit, a free Experian membership is a great starting point. Our free membership lets you access your Experian credit report and FICO® Score anytime. It includes access to Experian Marketplace, where you can compare credit cards and loans matched to your credit profile. (These may include No Ding Decline™ offers, which won't impact your credit if you're not initially approved.) You can also explore Experian Insurance, where our members save an average of $1,000β per year.
Best for: People who are new to credit or just want basic tools to track and manage their credit.
Ready to go beyond the basics?
When you're looking to make a big purchase, take better control of your finances or safeguard your identity, you might choose to upgrade to one of our paid membership options: Experian Core, Experian Money Plus or Experian Premium. Here's a closer look at what each plan offers.
Experian Core: Take control of your credit
Experian Core is a smart next step if you're ready to take control of your credit. Whether you're paying off debt or getting ready to make a big purchase like a car, Experian Core offers the tools you need to help improve your FICO® Score, which could help you qualify for lower interest rates on loans and credit cards.
In addition to credit monitoring of your Experian credit report and FICO® Score, Experian Core gives you access to the industry-specific credit scores used by auto lenders, mortgage lenders and more, so you can see how you may appear to lenders. With our FICO® Score Simulator, you can find out what actions will have the biggest impact on your credit. Protect your identity with essential tools including Experian CreditLock to lock and unlock your Experian credit file when you need it, and get real-time alerts if someone tries to access it.
Best for: People who want to improve and protect their credit in preparation for major financial moves like buying a home or car or getting a personal loan.
Experian Money Plus℠: Manage your cash flow
Looking for help managing your cash flow in addition to building your credit? Experian Money Plus could be a good fit. Experian Money Plus includes access to Experian Cash™ powered by Brigit, with advances from $25-$250.⟐ It's there for you when you need cash. To help you keep more of what you earn, we can also help negotiate bills and cancel unwanted subscriptions.φ You'll also get access to an Experian Smart Money™ Digital Savings Account§, the high-yield savings account that helps you grow your savings faster.
Best for: People who want to take charge of their finances, reduce expenses, save for the future and easily cover cash-flow shortfalls.
Experian Premium: Enjoy comprehensive identity theft protection
Do you want more complete protection for your identity and finances? Experian's Premium membership provides comprehensive identity theft protection, including credit reports from all three credit bureaus (Experian®, Equifax® and TransUnion®), plus advanced features like dark web surveillance, social media monitoring, fraud resolution and up to $1 million in identity theft insurance※. You'll receive real-time alerts if we find your personal information has been exposed and support if you need help resolving fraud.
Need coverage for your whole household? We offer a family protection plan that covers an additional adult and up to 10 children.
Best for: People who want comprehensive credit and identity protection with advanced monitoring features.
Cancel or change your plan at any time
You can change your plan, cancel it, upgrade your membership, or downgrade back to the free plan at any time.
Access your membership via the web or app
Access Experian's trusted financial tools any time by signing in to your Experian account on the web from any device, or download the free Experian app from the App Store or Google Play.
Where to start if you're "credit invisible" or new to credit
If you don't have a credit history, Experian Go™, included with free membership, is a credit-builder tool to help you establish credit. Then you can power up with Experian Boost®, also free for all membership levels, to get credit for eligible bills and utilities you already pay. An Experian Smart Money™ Digital Checking Account & Debit Card§ can help you keep building credit with no monthly fees¶ or minimum balance requirements.
As you develop your credit profile, your Experian membership can present offers for credit cards and loans that you may be likely to qualify for.
How Experian compares to others
Experian is a trusted leading source for credit information and identity protection. We are the largest credit bureau in the United States, and we have strong relationships with many of the best credit card issuers, lenders and insurance companies on the market. We leverage our size and skill to bring the best options we can to our members.
Our team works hard every day to bring our mission of Financial Power to All™ to life. In fact, Experian is one of Fortune's Best Places to Work. Empowering people on their journeys toward financial freedom is at the core of everything we do.
Other apps might offer you a second-hand credit report or a short-term loan, but Experian is here to help you along your entire financial journey.