Experian®

Get your Experian credit report and FICO® Score* with a free Experian® membership—no credit card needed! Learn how to instantly raise your FICO® Score with Experian Boost®ø, get notified of changes to your credit and more. Apply with confidence for credit cards labeled “No Ding Decline”^^ with no impact to your FICO® Score if you’re not approved. Save big on car insurance and more with the Experian app today.

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• Experian credit report & FICO® Score*

Check your FICO® Score and credit report anytime, anywhere - it won’t hurt your credit. See what factors are helping or hurting your FICO® Score, and actions to take for better credit.

• Experian Boost®ø

Raise your FICO® Score* using your cell phone, utilities, video streaming services & eligible rent payments and insurance.

• Credit monitoring

Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your Experian credit report.

• Money management

Connect bank & credit card accounts to see all your income, transactions and balances in one place.

• Marketplace^

Compare credit card, personal loan or car insurance options matched to your unique credit profile. Apply with confidence for cards labeled “No Ding Decline” that won’t ding your FICO® Score if you aren’t approved. You could save money with a personal loan or save over $800+/year on car insurance^^^.

PREMIUM BENEFITS

• Bill negotiation & subscription cancellation**

You could save up to $631/year when we negotiate your bills! We'll even cancel subscriptions you no longer want or knew you were paying for.

• Experian CreditLock***

Protect against identity theft by locking your Experian credit file. We’ll alert you in real time if someone applies for credit in your name while your file is locked.

TERMS

See experian.com/legal for Terms of Use Agreement & Privacy Policy.

øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.

*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.

**Results will vary. Not all bills or subs are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. Experian members for whom Experian completed at least one negotiation and canceled at least one subscription averaged $631/year of anticipated savings.

***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences between them: experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/

^Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states.

^^Applying for ‘No Ding Decline’ credit cards won’t hurt your credit scores if you aren’t initially approved. Initial approval will result in hard inquiry, which may impact your credit scores.

^^^Results will vary and some may not see savings. Average savings of $828 per year for customers who switched and saved.

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