Experian

Experian
4.7
fico
creditlock
credit
experian
boost
payments
alerts
card
notified
scores
theft
notifications
loan
lender
lenders
financial
score
free
utilities
pay
PriceFree
Version3.6.1.1
CategoryFinance
DeveloperExperian
Update Time2023-07-08
Installs10,000,000+
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About this app
Get your Experian credit report and FICO® Score*—all free, no credit card needed. Instantly raise your FICO Score with Experian Boost™†, get notified about changes to your credit with monitoring and alerts, and explore personalized credit card, loan and auto insurance options to find the best fit for you. WHAT’S INSIDE • Experian credit report and free FICO® Score* Check your FICO Score and credit report in the app anytime, anywhere. It doesn’t hurt your credit, and no credit card is required. Sign in for automatic updates every 30 days. Plus, get to know your credit in a whole new way—see what factors are helping or hurting your FICO Score, track changes to your credit over time, and learn actions to take for better credit. • Experian Boost Instantly increase your FICO® Score by getting credit for bills you already pay, like your cell phone, utilities and streaming services. • Credit monitoring and alerts Always be in the know with credit monitoring and alerts. Turn on push notifications to find out if your FICO® Score changes, new accounts are opened in your name or new inquiries appear on your credit report. • Marketplace‡ Choose the credit card, loan or auto insurance that’s right for you. Compare personalized options matched to your unique credit profile and FICO® Score. • Experian CreditLock§ Protect yourself against identity theft by locking your Experian credit file. We’ll send you real-time alerts if someone tries to apply for credit in your name while your file is locked. ABOUT EXPERIAN® Experian is the first company and credit bureau to offer online credit reporting services in the U.S. We empower consumers to manage and improve their financial status, while helping protect against fraud and identity theft. Privacy Policy: https://usa.experian.com/login/#/publicPrivacyPolicy Terms & Conditions: https://usa.experian.com/login/#/publicTermsAndConditionsFree *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. To learn more: https://www.experian.com †Results may 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. To learn more: https://www.experian.com ‡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. To learn more: https://www.experian.com §Experian CreditLock is a separate service from Security Freeze: https://www.experian.com/freeze/center.html. To learn more about the differences between CreditLock and Security Freeze, please visit https://www.experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/ © 2022 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 and Disclosures.
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App Review

Features

The Experian app offers a range of useful features that help users manage their credit scores and credit reports. Some noteworthy features include:

  • Credit Score Tracking: Users can easily monitor their credit scores and receive real-time updates whenever any changes occur.
  • Credit Report Access: The app provides instant access to detailed credit reports, enabling users to review their credit history, accounts, and inquiries.
  • Credit Score Simulator: With this feature, users can simulate different financial scenarios, such as paying off debts or opening new lines of credit, to see how they may impact their credit scores.
  • Identity Theft Protection: Experian's app also includes identity theft protection features like dark web surveillance and fraud alert notifications.
  • Credit Monitoring: Users can set up alerts for large changes in their credit scores, new accounts being opened in their name, or suspicious activities, helping them stay on top of their credit health.

Usability

Experian has done an excellent job with the app's usability. The interface is intuitive and user-friendly, making it easy for both tech-savvy individuals and beginners to navigate and find what they need. The app's features are conveniently organized, accessible through a side menu, ensuring a seamless user experience. Additionally, the app offers simple explanations and guidance throughout various processes, enhancing usability further.

Design

The design of the Experian app is modern, clean, and visually appealing. The app follows a minimalistic approach with a largely white color scheme, making it easy on the eyes. The layout is well-structured, with clear headings and icons, ensuring key information stands out. The visuals and charts used to represent credit scores and financial data are visually engaging and enhance the overall experience. However, some users might find the lack of customization options in the app's design slightly limiting.

Pros

  • Comprehensive credit score tracking and monitoring features.
  • Instant access to detailed credit reports.
  • Credit score simulation to understand potential impacts.
  • Identity theft protection and monitoring.
  • Intuitive and user-friendly interface.
  • Modern and visually appealing design.
  • Regular real-time updates and notifications.

Cons

  • Limited customization options in the app's design.
  • Some advanced features may require additional payments or subscriptions.
  • Occasional performance issues and slow loading times during peak usage times.

Overall, the Experian app provides a reliable and convenient solution for managing credit scores, reports, and identity protection. Its user-friendly interface, comprehensive features, and excellent design make it a valuable tool for anyone concerned about their credit health.

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