View your Experian credit report and FICO® Score* together to understand how lenders may see your credit profile and track the factors that impact your FICO® Score.
Experian Boost® is a free feature that lets you add positive payment history from everyday bills such as utilities, phone, streaming services, rent and insurance to your Experian credit file, which could increase your credit scores.
See industry-specific FICO® Scores*, including FICO® Mortgage, Bankcard and Auto Scores, to understand how you may appear when applying for different types of credit.
Not included
Included
Included
Included
FICO® Score Simulator & planning
See how actions like paying down debt, opening a new account or missing a payment could affect your FICO® Score before making financial decisions. Experian’s simulator uses actual data from your credit profile.
Access your Equifax credit report and FICO® Score* to see another view of your credit profile and understand how lenders using Equifax data may evaluate you.
Experian Cash™ powered by Brigit is an easy cash solution available through Experian that lets you access cash from $25-$250 with no interest, no hidden fees and no credit check.
Experian’s bill negotiation is a service that helps reduce your recurring expenses by reviewing eligible bills such as subscriptions, utilities and phone—and negotiating directly with providers on your behalf.
Experian Smart Money™ Digital Checking Account is a no-monthly-fee checking account and debit card with tools to track transactions, categorize spending and provide insights about your cash flow.
Experian Smart Money™ Digital Savings Account is an online savings account offering up to 4.00% Annual Percentage Yield|| and designed to help you grow your savings.
Experian Smart Money™ Digital Checking Account rounds up transactions to the nearest dollar and transfers the difference automatically into your Experian Smart Money™ Digital Savings Account, so you can grow your savings faster.
Not included
Included
Included
Included
Personal finance tools
Track spending, monitor cash flow, manage subscriptions and view financial insights designed to help you stay on top of your money.
Included
Included
Included
Included
Identity Protection
Lock your Experian credit file and receive inquiry alerts if someone tries to access it◊
Experian’s CreditLock restricts access to your Experian credit file, helping prevent new credit accounts from being opened in your name without permission. You can lock and unlock as often as you need and get real-time alerts if someone tries to access your credit.
Not included
Included
Included
Included
Fraud resolution
Experian’s fraud resolution connects you with dedicated specialists who guide you through the recovery process if your identity is compromised.
Not included
Included
Included
Included
Lost wallet assistance
Experian’s lost wallet assistance is a support service that helps you respond quickly if your wallet is lost or stolen. Instead of contacting each financial institution individually, you’ll get guided help to cancel and replace your credit cards, debit cards and identification, reducing the risk of unauthorized use.
Coverage includes up to $1 million in identity theft insurance for eligible expenses related to restoring your identity after fraud occurs.
Not included
Up to $100K
Up to $500K
Up to $1M
Personal privacy scan
Experian’s personal privacy scan is a monitoring tool that searches people finder sites and public databases to identify where your personal information may be exposed online.
One-time scan
One-time scan
One-time scan
Regular personal privacy scans + auto removal
Dark web
Experian’s dark web scan monitors hidden online marketplaces, forums and data breach repositories where stolen personal information is often traded. It checks for exposure of sensitive details such as your email, passwords, Social Security number and financial account information, and alerts you if a match is found.
One-time scan
Dark web surveillance
Dark web surveillance
Dark web surveillance
Social security tracing
Experian Social Security tracing uses identity data linked to your Social Security number to help detect suspicious activity and verify identity information.
Not included
Not included
Not included
Included
Financial transaction and account monitoring
Experian financial transaction and account monitoring is a service that continuously tracks activity across your linked financial accounts, such as bank accounts, credit cards and loans, to detect changes to your cash flow and protect against unauthorized activity.
Not included
Not included
Not included
Included
Address change validation
Experian address change validation is an identity theft protection feature that monitors for any address changes filed with the U.S. Postal Service (USPS) on your behalf.
Not included
Not included
Not included
Included
Social network monitoring
Experian’s social network monitoring is an identity protection feature that scans your linked social media accounts, Facebook, LinkedIn and X (formerly Twitter), on a daily basis to detect content that could put your personal information or reputation at risk.
See your personalized credit card offers based on your Experian credit file⍉ to find cards you’re more likely to qualify for. Compare different cards and issuers in one place.
See personal loan offers matched to your credit profile.⍉ Get prequalified offers with estimated rates, terms and monthly payments so you can evaluate options side by side without impacting your credit scores.
Experian’s No Ding Decline™ allows you to apply for select credit cards and loans with no impact to your credit scores if you aren’t approved. Because no hard inquiry is triggered unless you choose to proceed with a full application, you can compare options and make more informed decisions while protecting your FICO® Score*.
Experian’s home insurance helps you shop for coverage and stay informed as prices change over time. It works by analyzing your location and basic property details to match you with personalized quotes from multiple insurance carriers, allowing you to compare options side by side.
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® 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.
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® 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® Plus: Manage your cash flow
Looking for help managing your cash flow in addition to building your credit? Experian® Plus could be a good fit. Experian® 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.
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.
You are visitor 01402503 — GeezerVison does not store the pages you look up. Best viewed with Netscape Navigator 4.7 or Internet Explorer 6 at 800×600. No cookies required.
