Experian®: The Credit Experts
Check & Build your FICO® Score
FreeOffers In-App Purchases
4.0.18for iPhone, iPad and more
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Experian®: The Credit Experts Screenshots
About Experian®: The Credit Experts
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
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
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What's New in the Latest Version 4.0.18
Last updated on Mar 13, 2024
Old Versions
Thanks for using the Experian app! We’re constantly working on updates to help you manage your credit. The latest version includes bug fixes and other general improvements.
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Version History
4.0.18
Mar 13, 2024
Thanks for using the Experian app! We’re constantly working on updates to help you manage your credit. The latest version includes bug fixes and other general improvements.
4.0.17
Mar 4, 2024
Thanks for using the Experian app! We’re constantly working on updates to help you manage your credit. The latest version includes bug fixes and other general improvements.
4.0.16
Feb 12, 2024
We’ve fixed bugs and made some all-around performance updates so the app is faster and more reliable for you.
4.0.15
Feb 1, 2024
There’s more to Experian than just credit. We're constantly updating the app with the latest product features and performance enhancements to help you manage not only your credit, but your finances too.
4.0.14
Jan 29, 2024
Our goal is to make it easy for you to check your credit—and that starts with improving the Experian app. This version includes bug fixes and performance improvements to make the app run smoother than ever.
4.0.13
Jan 16, 2024
This update includes performance improvements that make the app faster and more reliable. Just one way we're helping you manage your credit more easily.
4.0.12
Jan 2, 2024
Regular improvements to the Experian app help you manage your credit anytime, anywhere. This update includes the latest bug fixes and performance upgrades.
4.0.11
Dec 19, 2023
We want to make your credit journey as smooth as possible, so we’re always working on improving our app. This version includes bug fixes and other performance updates.
4.0.10
Dec 18, 2023
From bug fixes to performance upgrades, we’ve fine-tuned the Experian app to give you the best mobile credit experience.
4.0.9
Dec 11, 2023
It’s easier than ever to check your FICO® Score with the latest version of our app. We’ve fixed bugs and released other improvements to make your credit journey more enjoyable.
4.0.8
Dec 4, 2023
Take control of your credit with the Experian app. This version includes bug fixes and other improvements to speed and reliability.
4.0.7
Nov 27, 2023
Thanks for using the Experian app! We’re constantly working on updates to help you manage your credit. The latest version includes bug fixes and other general improvements.
4.0.5
Nov 6, 2023
New! Try the Experian Smart Money™ Digital Checking Account and Debit Card, designed to help you build credit without the debt.ø It comes with no monthly fees¶ and automatically connects to other benefits of your Experian membership, like Experian Boost®.
4.0.4
Oct 23, 2023
New! Try the Experian Smart Money™ Digital Checking Account and Debit Card, designed to help you build credit without the debt.ø It comes with no monthly fees¶ and automatically connects to other benefits of your Experian membership, like Experian Boost®.
4.0.3
Oct 16, 2023
New! Try the Experian Smart Money™ Digital Checking Account and Debit Card, designed to help you build credit without the debt.ø It comes with no monthly fees¶ and automatically connects to other benefits of your Experian membership, like Experian Boost®.
4.0.2
Oct 9, 2023
New! Try the Experian Smart Money™ Digital Checking Account and Debit Card, designed to help you build credit without the debt.ø It comes with no monthly fees¶ and automatically connects to other benefits of your Experian membership, like Experian Boost®.
4.0.1
Sep 29, 2023
New! Try the Experian Smart Money™ Digital Checking Account and Debit Card, designed to help you build credit without the debt.ø It comes with no monthly fees¶ and automatically connects to other benefits of your Experian membership, like Experian Boost®.
4.0.0
Sep 25, 2023
New! Try the Experian Smart Money™ Digital Checking Account and Debit Card, designed to help you build credit without the debt.ø It comes with no monthly fees¶ and automatically connects to other benefits of your Experian membership, like Experian Boost®.
3.6.6
Sep 11, 2023
We want to make your credit journey as smooth as possible, so we’re always working on improving our app. This version includes bug fixes and other performance updates.
3.6.5
Aug 29, 2023
From bug fixes to performance upgrades, we’ve fine-tuned the Experian app to give you the best mobile credit experience.
3.6.4
Aug 16, 2023
It’s easier than ever to check your FICO® Score with the latest version of our app. We’ve fixed bugs and released other improvements to make your credit journey more enjoyable.
3.6.3
Aug 1, 2023
Take control of your credit with the Experian app. This version includes bug fixes and other improvements to speed and reliability.
ECW 3.6.2
Jul 17, 2023
Thanks for using the Experian app! We’re constantly working on updates to help you manage your credit. The latest version includes bug fixes and other general improvements.
ECW 3.6.1
Jul 3, 2023
This version of the app includes various updates, enhancements, and bug fixes to help it run smoothly.
3.6.0
Jun 23, 2023
Our latest update makes it easier to take control of your credit and finances in the Experian app. Check out the new Credit section to access all your credit tools in one place—view your credit report, lock your credit file, boost your FICO® Score with your bills and more. We also added a Money section, giving you a new way to manage your money directly in the app. Just connect your financial accounts to see all your monthly spending, balances and transaction info.
Experian®: The Credit Experts FAQ
Experian®: The Credit Experts is available in regions other than the following restricted countries:
Namibia,Papua New Guinea,Singapore,Brazil,Ecuador,Guyana,Kyrgyzstan,Myanmar,St. Vincent & The Grenadines,Mali,Nepal,El Salvador,Bahrain,Congo,Egypt,Croatia,Libya,Thailand,Tanzania,Botswana,Trinidad and Tobago,Turkey,Kenya,South Korea,Mozambique,Seychelles,Sweden,Iceland,Morocco,Slovakia,Swaziland,Antigua And Barbuda,Czech Republic,Ukraine,United Arab Emirates,Greece,St. Kitts and Nevis,Germany,Micronesia,Israel,Nicaragua,Mauritius,Rwanda,Slovenia,Angola,Chile,Cambodia,Cayman Islands,Montenegro,Sierra Leone,Sao Tome & Principe,Taiwan,Uzbekistan,Benin,Cape Verde,Macao,Poland,Panama,Turkmenistan,Ghana,Iraq,Sri Lanka,Moldova,Maldives,Malaysia,Bermuda,Switzerland,China,Algeria,Mauritania,Madagascar,Nigeria,South Africa,Indonesia,Jordan,Lebanon,Australia,Canada,Guatemala,Hong Kong,Honduras,Afghanistan,Belize,Grenada,British Virgin Islands,Kosovo,Cote Divoire,Costa Rica,Cyprus,Dominican Republic,France,Hungary,Vietnam,Uruguay,Zambia,Anguilla,Belarus,Kazakhstan,Malawi,Russia,Venezuela,Barbados,Finland,Kuwait,Liberia,Latvia,Gabon,Luxembourg,Portugal,Bulgaria,Guinea-bissau,Peru,Philippines,Vanuatu,Austria,Dominica,United Kingdom,Tonga,Romania,Suriname,Tunisia,Argentina,Bosnia & Herzegovina,Congo, Democratic Republic,New Zealand,Oman,Serbia,Saudi Arabia,Turks and Caicos,Spain,Jamaica,Mexico,Norway,Paraguay,Yemen,Burkina Faso,Bhutan,St. Lucia,Macedonia,Albania,Italy,Qatar,Tajikistan,Uganda,Nauru,Armenia,Brunei Darussalam,Gambia,Lao Peoples Democratic Republic,Netherlands,Zimbabwe,Belgium,India,Japan,Niger,Palau,Estonia,Mongolia,Senegal,Bolivia,Bahamas,Cameroon,Colombia,Denmark,Azerbaijan,Fiji,Lithuania,Malta,Solomon Islands,Georgia,Ireland,Montserrat,Pakistan,Chad
Experian®: The Credit Experts supports English
Experian®: The Credit Experts contains in-app purchases. Please check the pricing plan as below:
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
Click here to learn how to download Experian®: The Credit Experts in restricted country or region.
Check the following list to see the minimum requirements of Experian®: The Credit Experts.
iPhone
Requires iOS 15.0 or later.
iPad
Requires iPadOS 15.0 or later.
iPod touch
Requires iOS 15.0 or later.
Related Videos
Latest introduction video of Experian®: The Credit Experts on iPhone