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Experian® 4+
Control Your Credit & Finances
Experian
-
- Free
- Offers In-App Purchases
Screenshots
Description
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 about changes to your credit and more. You can even open a new Experian Smart Money™ Digital Checking Account—it’s FDIC insured with no monthly fees or minimum balance¶ (see terms at experian.com/legal).
GET STARTED FOR FREE
• Experian credit report & FICO® Score*
Check your FICO Score and credit report anytime, anywhere—it won’t hurt your credit. Sign in for updates every 30 days. See what factors help or hurt your FICO Score, and actions to take for better credit.
• Experian Boost®ø
Raise your FICO® Score* using bills like your cell phone, utilities, video streaming services & eligible rent payments.
• Experian Smart Money™¶
The Experian Smart Money™ Digital Checking Account helps you build credit without debt by automatically connecting to Experian Boostø!
• Credit monitoring
Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your credit report.
• Money management
Connect external bank & credit card accounts to see all your income, transactions and balances in one place.
• Marketplace^
Compare credit card, loan or insurance options matched to your unique credit profile.
PREMIUM BENEFITS
• Bill negotiation & subscription cancellation**
Save time and money when our experts negotiate your bills to get your best price! We'll even cancel subscriptions you no longer use.
• Experian CreditLock***
Protect against identity theft by locking your Experian credit file. We’ll alert you in real time if someone tries to apply for credit in your name while your file is locked.
TERMS
See experian.com/legal for Terms of Use Agreement, Privacy Policy, Cardholder Agreement & Disclosures.
¶The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.
‡To be eligible for the $50 bonus, your Experian Smart Money™ Digital Checking Account must be credited with at least $1,000 in direct deposits within 45 business days of opening your account, and your account must stay active and in good standing at the time the bonus is paid. The bonus will be deposited into your account within 10 business days, once earned. Terms and conditions apply.
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 subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any 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.
©2023 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses & Disclosures: experian.com/help/cm-licenses-and-disclosures.html
What’s New
Version ECW 4.1.5
Take control of your credit with the Experian app. This version includes bug fixes and other improvements to speed and reliability.
Ratings and Reviews
Locked
I tried to update one of my old cards through the bank that purchased the company cardholders info. I went through the company’s application process, passed that, then was told that I had to contact Experian to unfreeze my account. Went Experian’s question process, got all the questions answered correctly. I then called company back with the pin, to be told that the file was still frozen. The credit was not able to use the pin because that is not the way they do it. Had to go and do a temporary unfreeze, that worked, got denied the card from the bank, after answering all the questions correctly from Experian. I have very good credit. This was for a purchase I wanted to make before the price increased. All I needed to do was update my old card. I now had to leave my credit file unfrozen for a day. I was able through the App to lock my file back. There is no way to speak to anyone to get problems like this resolved. Extremely disappointed.
Developer Response ,
Hi there. Thanks for the feedback. If you have any questions or concerns, please email us at [email protected]. -Moneake
The worst
Signed up for free subscription. Tried to cancel within 10mins as the app said you can cancel anytime within the specified period of time. App won’t let me cancel the subscription. I went through the app and found the section to cancel membership/subscription but when you click that section it continually loads and never populates. I don’t have any connection issues and I’m connected to Wi-Fi and everything else in the app works perfectly fine and loads right away; but, mysteriously, when you try to cancel it won’t populate. Guess what else won’t populate within the app? Contacting support. That doesn’t populate either. Sure, they show you the link to click in the app but it takes you to a screen that never loads so you cannot contact them and you can’t cancel like they stated you can. This is a scam. This isn’t right. This is wrong. I had payed for them in the past on the web (not the app) and when I tried to cancel there I also ran into issues: they couldn’t verify my identity in order to cancel. I signed up for the app to get my credit score as my veteran friend advised me to do like he did but it wouldn’t show me my credit score (I have one btw and other places have showed me that in the past) but some how I can’t see my score through experian and they get you to signup but then block you from canceling. What a joke of a company. No one should use this product.
Developer Response ,
Hi there. Thanks for reaching out to us. We are happy to help. Can you please reach out to us via social media on Facebook, Twitter, or Instagram? If you do not have access to social media, please contact us via the Contact Us section on your membership. We’d be happy to help you further. Thank you. -Lori
Faulty, inaccurate information, and horrible dispute customer service
I paid for this service and it continuously posts inaccurate information on the three bureau credit report. Equifax and Transunion removed a bad collection, but Experian says it will remain on their report for six years. Plus Experian inaccurately reports same bad collection on their version of the equifax report. The reports on Experian are not updating, even after I wa told by agent to delete and reinstall the app. I personally spoke to Equifax and Transunion and both bureaus state Experian is reporting non-factual information - the Experian bureau system is not up to date and failing to maintain correct credit data (according to other customer complaints). When I attempted to dispute this matter and state the facts the agent would not try to assist by stating the bad collection will just stay on my report till 2026, plus she just hung up on me when I requesting for better assistance in resolving the issue. So, why am I paying for inaccurate three credit bureau report if Experian information is inconsistent with the actual other two bureaus. Well this an app I have to say needs to get the bugs washed out of the system - and get up to speed. Experian become consistent with the other two major bureaus! May have to discontinue service.
Developer Response ,
We are so sorry to hear about this issue that you are having with. We would love to assist you further. Could you please reach out to us on Facebook at www.facebook.com/experian. Or Twitter @Experian, @Experian_us, @experianhelp_us. Thanks. -Amanda
App Privacy
The developer, Experian, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Location
- Contact Info
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- CONSUMERINFO.COM, INC.
- Size
- 215.9 MB
- Category
- Finance
- Compatibility
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- iPhone
- Requires iOS 16.0 or later.
- iPad
- Requires iPadOS 16.0 or later.
- Languages
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English
- Age Rating
- 4+
- Copyright
- © 2023 ConsumerInfo.com, Inc.
- Price
- Free
- In-App Purchases
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- Experian CreditWorks℠ with Trial $9.99
- Experian CreditWorks℠ $9.99
- Experian CreditWorks℠ with Trial $19.99
- Experian CreditWorks℠ $4.99
- Experian CreditWorks℠ with Trial $4.99
- Experian CreditWorks℠ $19.99
Supports
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Wallet
Get all of your passes, tickets, cards, and more in one place.