Experian Credit Report Reviews

Experian Credit Report Reviews

Published by on 2021-05-25

Get your FREE Experian Credit Report & FICO® Score* – anytime, anywhere!
Checking your own report doesn’t hurt your credit, and there’s no credit
card required. And now, for the first time, you can raise your FICO Score
instantly with Experian Boost™**. You’ll get the credit you deserve...

Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue

Experian Credit Report Reviews

  • By

    Horrible customer service!!

    I called the fraud dept number listed regarding hard inquiries from someone applying for credit cards/credit in my name and it being put on my credit report multiple times even after I have a fraud alert. Well, when I called, they said the wait is 15 minutes. I waited on hold 40 minutes while being subjected to the same recording over and over about signing up with their fraud protection service. The lady said she could not help me and would have to transfer me to the fraud dept. I said I do not want to be on hold again for another 40 min. She said it would be only 15 minutes. Finally, when the lady came on phone after 22 minutes, she said sorry we wre closed. I said I had been waiting an hour and the previous lady or your message said nothing about about being closed after waiting so long. The lady did not even care. She said she would have to take number and call me back tomorrow. Very disappointed with a credit bureau who allows any credit to post false info to your report without requiring definite proof that it is really you. How is ths allowed? I already had a credit alert. Then it takes so much time to get this resolved. There should be stricter rules on creditors reporting to someone's credit file.

  • By

    Awesome Credit App

    Prior to using Experian’s credit app, I used Credit Wise from Capital One. In rebuilding my credit I wanted to monitor my credit accordingly and make the right moves to increase my score. Maybe, there is a glitch with CreditWise but my score always sucked no matter what I did. Paying on time, minimizing my utilization my score was horrible. I switched to Experian and my score was decent. Experian gave an accurate reflection of all my hard work and financial discipline. I love Experian Boost, which basically rewards you for things that you always pay such as rent and my celular bill. I also, like the credit card recommendations they send you as your Credit improves. With this feature I can know what cards I am more likely to be approved for. Finally they also make it super easy to check for any erroneous information on my report and have it disputed within 30 days. Experian is by far the best credit app on the market today.

  • By

    Experian, facilitator of ID theft

    Experian is the absolute WORST credit reporting agency and a _facilitator_ to fraud. Bunch of shills posting positive reviews, be aware. I’m a recent ID theft victim and I’m going through the aftermath of freezing and monitoring my credit. If the 3 companies, this is the only one that I cannot reach a human to resolve my registration issue. This app throws an error and advises you to call a number, which routes you to automated machines that tend to disconnect on you before you can speak to anyone. As others have faced, I’m still not able to register so that I can monitor my credit activities. Now back to the facilitator to fraud assertion, shortly after I noticed fraudulent accounts and credit applications were opened under my name, I ran credit report checks on all 3 reporting services. Of the 3, only Experian shows soft and hard queries were performed on my account, additionally the queries were performed by Experian or Experian-affiliated businesses. I truly believe there’s still backdoors in Experian’s network infrastructure that they have not patched since their last security breach. My advice is for you to find any and all ways to freeze/lock your experian reporting to prevent being an ID theft victim yourself.

  • By

    App is buggy. Customer service is terrible.

    Downloaded this app to help improve my credit score. I locked my credit then unlocked it to try to apply for another credit card. Got a notification that the CC company couldn’t run a credit report because my Experian report was locked. It was not locked, I made sure of that. Had to search around for the number to talk to an actual person because the number they provide only gives you automated options. Finally got in the queue to talk to someone, waited 15 minutes and explained to the lady (who was clearly not from the US) and explained the situation to her. She answers with “there’s no lock on your credit,” so had to explain the situation AGAIN to her, which she then proceeds to check if there are any locks on my credit (SERIOUSLY?). As I’m trying to explain AGAIN the situation, the call drops. I get no call back from anyone and waited in line again for 10 minutes (and I’m at work this whole time) and decide to just hang up. PLEASE get better customer service. I don’t care if you outsource but if they can’t understand what I’m trying to explain, there’s a huge disconnect and it only make your customers even more frustrated.

  • By

    Credit score increase of 80 points

    Since downloading the Experian app and being able to explore all of my account balances, installment accounts & balances, & collections on my credit report, I’ve paid all collections off and have been closely monitoring my report. Since I first downloaded the app, about 3 months ago now, by being very proactive and dumping a bunch of money into my accounts and erasing collections my score has shot up 80 points over the three months and continues to rise every time a new score update is available. This is all because now I am working towards having optimal credit so I can refinance my car and maybe even purchase a house. Having good credit definitely makes your life much easier, so if you care about your credit score, this will help you monitor it and put your money somewhere it should go so that it will be beneficial to you later. Thank you for reading.

  • By

    Experience the Best

    A lot of the times your credit rating moves as slow as a snail. You try your best to be a good consumer and be consistent with your financial situation. Being a senior on a fixed income which dwindling faster than you can keep up with all involved. Experian has been fair and makes me feel that my efforts handling my finances makes me feel I still matter and at least doing fair when others of the triad rate me poor or less. I am not behind in any of my accounts and I have a car note that is more than 50% paid off on a fixed income on disability as well as paid off almost all my accounts except 3. Experian allows me to keep track of this mess and make sense of it and keeps me from throwing in the towel like a lot of folks have had to do in my situation. I have had to make slot of sacrifices to keep my credit profile where it is. Thanks for the help!!

  • By

    Real Time Alerts & Feedbacks

    Experian provides real time alerts regarding changes to my credit file. I’m immediately able to check any updates to stay on top of my file. This recently helped me make the decision to change a long-time insurer. I questioned the lack of change in rate based on tenure and other factors. The insurer claimed to have performed a “comprehensive” review including credit review. This did not appear on my Experian file, which the insurer claimed to have utilized. Based on my inability to substantiate the insurer’s claim, I moved on to another insurer and lowered my rate by 25+% while increasing my coverage. I find Experian user friendly (it helped me to review the tips). Most importantly, it’s an effective tool in allowing me to model my credit scenario and steadily strengthen my credit score. It’s been a worthwhile investment for the 1 Starbucks/per week I decided to give up!!

  • By

    Getting my credit score back on track!

    After many years of struggling to get to having a credit score of “Good”, it has finally happened, thanks to Experian and understanding every piece of what it takes to understanding credit scores! I’m 44, and struggled with credit since the age of 18, and after years of recovering from financial issues, coming out of bankruptcy and foreclosures, having the Experian app to dispute issues that were resolved and showing me ways to increase my credit score have been tremendously helpful! It feels good to be in control knowing that I can have a good credit score and reep the rewards that come with that in life! I was able to buy my daughter her 1st car! Knowing that I can help show her the importance of good credit scores in life made me so proud to finally be in this place in life!

  • By

    Credit Enhancement

    I’ve been focusing on learning exactly what’s needed to grow my credit scores. Everyday I check on the website and take steps needed to work on increasing my positively rewarded activities and remove incorrect items. I am concentrating on paying every account on time and growing my credit with credit card companies and other lender types so that no account will be using more than 30% of the credit line. I’ve discovered vendors that allow home improvement loans that allow for short term interest-free loans so that I can pay them off and find additional properties that meet my criteria to remodel and grow my cash flow. The Experian app helps me to watch over my overall financial situation and hire a professional to deter any credit theft. I’m really appreciative that Chase offered the Experian app as a customer.

  • By

    A Huge helping guide💸💸

    Me and my husband have been trying to buy a house for some number of years now to find out they run FICO 𝐒𝐜𝐨𝐫𝐞 not trans/equifax. I couldn’t find a way to keep track of my fico for free without ruining my credit. So one day we were listening to the radio. Wcgci 107.5 Chicago and a credit helped was talking on the air about this app. I quickly googled it and downloaded it and to my surprise it was FICO not equifax and transunion like Credit Karma *i have both apps* I was super excited and now I’ve been monitoring my FICO score and it helped me to open a new credit card to boost my score and I also linked my bank account and got my FICO score BOOSTED with Experian Boost. If I could I would definitely give this app a 10/5 ratings! Thank you to the creator and inventor of Experian you are truly amazing and a thoughtful person!

  • By

    Can’t live without this app!

    Wow, has my credit increased since signing up with Experian! I like that they give you updates as soon as something hits your credit report. They also give you tips on how to improve your credit based on your individual report. Not just tips like other apps, but real world advice on what actions you should take to improve your score. I had the free version for a while before upgrading, but even the free version is worthwhile. I also use MyFICO and its a very close call. Experian seems to update more often. However, I do wish they would update all 3 bureau scores instead of waiting a month for Equifax and TU. Experian, this is where MyFICO has the advantage over you. I still love you guys though. A military discount would also be nice. Thanks for the great service!

  • By

    Amazing! App love love love it!

    When I was 16 someone stole my Identity. Experian was the only company (not credit karma etc) that showed me exactly what I had on my credit report and was able to separate the other person. I’ve been looking to experian since! With the app I always lock my information which deff works because I went to run my credit and finance a new bedset and the store tried twice running my background and couldn’t. Until I was like “oh wait!”; I unlocked it waited a few minutes and it worked. Awesome app and will continue to use this. Very on point and updated continuously with recent activity on credit report. And the tips given to help in different ways to help and what you did that would could make it worse. To me, $10 and change a month is worth a peace of mind.

  • By

    Experian Apps and Monitoring

    As an Experian Credit Monitoring Customer for over 10 years, I’ve used both apps. I kinda liked the other one better but this one is great too! It is loaded with helpful info. Also, went to the bank to change my name after getting married And wound up stuck sitting at the bank for awhile because BOA is always short staffed. In any event, while I was sitting there waiting, my Experian app pushed out a notification that a change was being made to my BOA checking and savings accounts. Another time, when trading my car in and sitting at the dealership waiting for paperwork, I received an alert that my credit was being run by the finance company. I’ve never felt more secure with my information security. I will probably never leave Experian. ❤️

  • By

    Paywall for Credit Lock; Fail

    Experian charging for credit lock effectively defeats the awesomeness of TransUnion and Equifax giving it for free, since you really have to manage all three bureaus if you’re going to manage any of them - especially for a credit lock, which, ironically, more or less alleviates the need for the benefit Experian would like you to feel like you’re paying for: credit monitoring. If I can lock all my credit reports, then by definition I have no need to monitor my credit reports for nefarious activity. The app performs really well, totally smooth... unfortunately it just lacks the only button that Equifax and TransUnion both fill most of their app home screens with - the lock. For $10 a month, you too can assure that Experian is the only company that can dupe you out of $120 a year. And just to be clear, while Experian responds with a statement about a credit ‘freeze’ still being free, educated consumers know that’s NOT the same as a credit ‘lock’. If you’d like to know the difference, google it.

  • By

    I love this App and Experian

    I read some of the negative comments but I say if you are having fraud issues you should purchase LifeLock as well. I have both, I love them both I monitor my credit on one and monitor for fraud on the other and it doesn’t cost that much. I am a real person and I have experienced fraud before so it is well worth it to get alerts every time my credit is ran so I can catch it right from the beginning and LifeLock has $1,000,000 insurance that protects you if anyone does something in your name if they didn’t catch it in time. But on this app I love this new feature credit booster, it boosts your credit just for paying bills that you always pay all the time. I always wanted to get a credit boost for things I already pay all the time monthly.

A better way to Contact apps

You can now contact Experian Credit Report customer service directly
via Email using our new site - AppContacter.com

Contact Experian Credit Report directly

Is Experian Credit Report Safe?

No. Experian Credit Report does not seem very safe to us. This is based on our NLP (Natural language processing) analysis of over 1,336,630 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.8/5 . Justuseapp Safety Score for Experian Credit Report Is 15.2/100.

Is Experian Credit Report Legit?

No. Experian Credit Report does not seem legit based on our analysis. This conclusion was arrived at by running over 1,336,630 Experian Credit Report User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Experian Credit Report Is 15.2/100.

Is Experian Credit Report not working?

Experian Credit Report works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.

Have a Problem with Experian Credit Report? Report Issue

Leave a comment:

Why should I report an Issue with Experian Credit Report?

  1. Pulling issues faced by users like you is a good way to draw attention of Experian Credit Report to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a Experian Credit Report customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using Experian Credit Report.

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