Experian® Reviews

I got my credit checked today. I was thinking that all was good and all but when I found out that the this app app was lying to me - I decided to write a report when Experian ask me if I enjoyed the this app app I hit the button that said no. The next prompt was would you like to give feedback, so I hit yes I started my speak with manners of course. I started my lecture the same I was thinking that my credit was good because that is what Experian was portraying or reflecting -that I had a good rating. Well in fact it was 40 points lower! Bummer right!
So I hade been believing a lie all this time! I almost got threw with that sentence and Experian kicks me out and I have to sign in again!! So I sign in again and to see if it saved my heart breaking story. No it’s not there and there is not a button to give a survey that I can find! So I call for the help line and am greeted by a computer animation voice and choices (I want to speak to someone about my credit, is what I say) it gives me 5 options and then tells me to call back a a convenient time! I fell like Someone was reading my text and didn’t want me to finish telling the truth about Experian telling sweet little lies! Be careful for they speak out both sides of their mouth! Liers

Experience still has me down 109 points while Trans Union and Equifax has me at 109 points they seem to not be reporting the correct information when I try to dispute they tell me they cannot dispute. They Luer me into applying for credit cards they said I would be a perfect match for an order to have open trade lines to increase my credit score then upon getting denied because of experience low credit score which Trans Union and Equifax have me 109 points on my credit score, I was promised that those credit card applications would not be hard inquiries but again that was a lie and they continue to show them as hard inquiries on my this app credit report which brought my credit score down five points which I am trying to dispute and they have a number it says you can dispute hard inquiries but upon calling they had me on hold for over 30 minutes while they were investigating it then transfer me to someone new who didn’t know anything about why I was on hold and told me that they cannot dispute hard inquiries I have to call the creditor which is a load of crap!!! Shame on you this app!!!!!!

I will never consider paying for an app that will send push notifications for a credit score change and only display that change within a tab after a boring, long infographic of your credit score over time. You don’t need to see this, however, because the home screen will just keep displaying your old one for weeks (months? who knows how much longer it will be). I also get notifications to see what caused the change and when I open Experian and try to open the message it takes me nowhere.

I can’t conceive of a reason why I would fork over money to experience this annoying app with all 3 credit bureaus when it can’t even manage to display an accurate score from one of them on the main home screen of Experian for heavens sake.

At this point in time I am more satisfied with the FICO credit check offered by my credit card app (for free) that does nothing more than show my score. It does what Experian apparently places below their subscription sales pitch: provide up to date information on the main homepage with no annoying frills and shoehorned animations. It is frustrating how little Experian needs to be acceptable and yet it somehow fails to meet them. How can you send push notifications asking me “have you checked your credit score recently?” and dump me to a homepage with month old info, making me seek out my current score if I do actually wish to check it?

DONT BOTHER: I just checked my score again only to see this app reporting that I have an insufficient number of accounts reporting on time payments. All my accounts are current. After spending a F$&@ing hour trying to figure out what these lowlifes are talking about, I learned that I have 3 accounts reporting to this app, all are current. It’s not that I’m missing payments, it’s that I don’t have as many accounts reporting to them as they want so they are punishing me for it! These guys need to disappear off the face of the earth! The other two credit bureaus are responsible. These guys are not!

Update: I have to drop a star. The more I use Experian, the less information I actually get from it. this app shows I have a score of 634 while the other two show 707 and 714. If I try to figure out the difference, I am met with a paywall. Want to know why your score went up or down? Paywall. Want to know anything about your own personal credit history? Pay for it. I fully recommend Credit Karma. Free is free. I recommend this to view your this app credit score only. If you are looking for features I would recommend Credit Karma. this app wants you to pay every month to use simple features like a credit simulator, where those features are free with Credit Karma. Both apps are useful as you only get your this app score from Experian, but Credit Karma has Trans Union and Equifax scores, as well as free features and functions you won’t get here.

I cannot stand how every time you sign up with an account with an this app representative or on Experian it automatically signed you up to make a 2499 purchase and other I’ve seen five and $10 purchases without your consent or knowledge of consent and then they outsource your information to foreign countries, They use individuals who work from home from India Pakistan and other places that actually sell your information on the black market or the dark web. So while allowing their employees to sell your information they’re also billing you without your consent and not allowing you to utilize the free, free credit report app like you have stated in your contracts. I have fully reviewed your contract and then nowhere does it say you have to call in and cancel out the free subscription before the charges are automatic. Therefore they’ll steal your money let you look at your credit and then sell your information on the dark web by way of their employees that they hire outside of the country which causes the data breach in the first place. You guys need to fix your entire system

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 this app says it will remain on their report for six years. Plus this app inaccurately reports same bad collection on their version of the equifax report. The reports on this app are not updating, even after I wa told by agent to delete and reinstall Experian . I personally spoke to Equifax and Transunion and both bureaus state this app is reporting non-factual information - the this app 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 this app 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. this app become consistent with the other two major bureaus! May have to discontinue service.

Knowledge is potential power. One big problem I had in trying to become a better steward of my finances was to know my current credit score. Seeing that a good score provides ready access to securing any big purchases, I realized that I needed a reliable app to know, at least, where I stand credit-wise. The this app app provides me this opportunity. It’s very useful.

Experian allows me to see all three credit scores. Moreover, it shows what financial activities are helping and hurting my credit score. Finally, the this app app gives me alerts as to what is happening with my credit information in real time.

This useful information helps me rethink my purchases and it’s potential impact on my credit rating. As a result of this knowledge, my credit score increased from the low 500’s to the mid 700’s in about three years. I recommend Experian to anyone who is serious about obtaining a better credit score.

this app has my banking account information so I can pay for the service and every time I try to boost my credit score I am being told that my bank isn’t on the list of banks I’m with a railroad FCU and don’t understand why my bank isn’t on their list but they’re able to get a payment from my bank account for there service. All my utilities have always been paid on time no question. I will not let my kids go without heat/ AC, or a home.
I’m completely disabled due to secondary progressive multiple sclerosis and I still have 2 children at home All I have is student loans and I’m working to have them completely wiped off but I’m unable to fill out the paperwork because my handwriting is completely unreadable because the Multiple Sclerosis affects my right side of my body and left side of my brain. I have lost my registered nursing degree because I’m completely disabled after having MS for 23 years. I have lost both my parents so I have no help anymore or support. I’m happily divorced from a narcissist who was emotionally and verbally abusive and wanting me to pay him for the 50/50 custody of which I have my children 90% of the time . I’m looking for a break please.

Hello my name is Scott I am a current user of this app. However the 6 months + I have been using Experian so that everything I have as far as credit reports would be some what recorded and that I could at least have the bureaus looking at my file and seeing that I have paid off all my revolving credit lines with that being said this app has not been reporting any of my payoffs and I’m not sure if it’s my credit line issuers or if it’s just somebody not actually doing their job or what but on this app in my account it states that I have the same amount due of revolving credit and it shows that I haven’t paid it off which I have several times and the amount of my installment loan is wrong it says I owe 80 % of the amount and and I done paid the loan off almost over half way. All I’m saying is I have worked very hard for this . And I deserve for my file to be up to date like it should . Like why do we pay for Experian . If you guys aren’t gonna do your job? Like report my hard work to the Bureaus like you’re supposed so people like me can have all there hard work recognized the way it should be.

this app will lower my credit score for no reason. All my payments are made on time, credit usage will be low, not one thing will be done differently and yet they will lower my score.I will check my score with the other two majors and it will be up but yet this app sees fit to lower it. And they are always recommending that I get a new credit card from one of their partners. But their partners charge an annual fee and interest on all purchases. And their “boost” is a joke the other two majors have my score at a higher level without having a “boost”. They constantly tell me that another credit card may help my score but when I got another card they lowered my score. They more than likely lowered it because the card I got was not from one of their “partners “. One day after emailing them to point out their BS they dropped my score 6 points and deleted my boosted account. This is an update; one day after writing the above review, this app dropped my score by 14 points! Another update; the first time I was critical of this app they dropped my score by 6 points and deleted my boosted account. This occurred the day after sending them a criticizing email.

I’ve been using Experian for a while both on iPhone and on iPad. For some reason it takes nearly 30 seconds after opening Experian for it to get to the logon page (or to do Face ID/Touch ID if you have it enabled), then another 30 seconds to actually load any data. You spend more time looking at animated swirls then actually using Experian . FYI this is on an iPhone 13 Pro and an M1 iPad Pro, so not exactly older slow devices. As a matter of face upgrading from an XS to the 13 Pro made no change in the load speed so it is either a fixed load time, or an issue pulling data from their site.

And a recent update changed the interface, which in theory looks nicer, but on iPad only works in portrait mode. Previously it worked in either portrait or landscape. So if you have your iPad in a keyboard case Experian is now stuck sideways. Quite the downgrade.

It unfortunate as the data in Experian can be quite good, but it is just a better experience using the website. If you are going to make an actual app it should provide some value or user experience that makes it worthwhile to use it vs just the website.

After learning of this app Boost I did a ton of research and was both excited and ready to give it a try. I haven’t had the best track record as it pertains to managing my credit and ensuring I am in a good and healthy financial position but decided I wanted that to change. In the hour that I have been with the program I have boosted my score 78 points, utilized simulations available via Experian to see decisions I CAN make to continually increase the health of my credit, learned the unhealthy decisions I have made which have affected me negatively,been matched with lenders to “thicken” my “thin” file, and enrolled in credit lock/monitoring. The research I did on this product betrayed the ACTUALITY of how great and much needed this product REALLY is! I, with the utmost sincerity, highly recommend EVERYONE, regardless of your credit health, to enroll in this app Boost. You are doing yourself a great disservice in NOT researching and joking for yourself!!!

this app 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. Experian 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 this app shows soft and hard queries were performed on my account, additionally the queries were performed by this app or this app-affiliated businesses. I truly believe there’s still backdoors in this app’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 this app reporting to prevent being an ID theft victim yourself.

Downloaded Experian 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 this app 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.

Experian is great, clean, intuitive, and easy to navigate. It has improved greatly since it began and as an app by itself it is very enjoyableAnd easily worth a five star rating. However my only drawback is the cost per month for all three credit bureau‘s. Most banks, checking accounts, and credit cards now offer you free limited credit profile views. I get quite a few options with Experian but it is hardly worth paying a monthly subscription anymore. If it was 20 or $30 a year, I would consider it a value. But not the monthly fee that I’m paying now. I’ve only continued to use it because I was originally paying for a private service through my bank for the same and was automatically transferred/enrolled when they stopped the service. I’ve done it for years to watch my credit. Now I am heavily considering no longer subscribing since the two basic functions of current score and credit file protection notifications are free for me on three other apps/banks I now have.

Update: Experian no longer works and keeps crashing. I updated Experian and it still keeps crashing.

Prior to using this app’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 this app and my score was decent. this app gave an accurate reflection of all my hard work and financial discipline. I love this app 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. this app is by far the best credit app on the market today.

So I downloaded Experian thinking it was my first time using it, but according to them it’s not, so I had to get my login info, which wasn’t hard. But everytime I sign in, it tells me to complete my registration info, which I do, but then once I finish that, it takes me back to the screen for me to sign in again, and then I just complete the same process over and over again. Tried contacting the customer service number on Experian , but of course you can’t get through to ANYONE and instead you have to listen to a audio recording telling you the exact same thing that already isn’t working. When I tried to change my password again on the customer service line, they were supposed to email me a link to do so, which I have yet to receive. I’m like 95% sure that I’ve never even used this service before (I don’t have ANY emails from them, not even from the past when I search through my old emails) so the fact that I’m even going through this is baffling and the horrible customer service isn’t helping at all. It’s like it’s letting me sign in, but it’s not at the same time and just has me going in circles. Just stupid.

Since downloading the this app 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 Experian , 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.

Creditwise, rocket mortgage, and other financial companies present my credit score, report, and credit history immediately upon demand and with ease. My credit score had been risen 3 times as reported everywhere else, and even my financial advisor can get my credit score easily when I ask. But for some reason, this app won’t show my score and reports my credit usage very late, like a week after my actual score changes. Literally everywhere else updates me every 7 days. When I made my this app account 3 years ago, it’s always and to this day has said “Score unavailable” why?? My credit score was 643, then 645, now 647 as stated on equifax, transunion, and creditwise (over course of a month) but this app? Nope! “CREDIT UNAVAILABLE NOT ENOUGH ACCOUNT OR HISTORY BLAH BLAH. CAN’T BELIEVE I PAID MONEY TO SUBSCRIBE TO NO OUTCOME. EVERYONE ELSE GIVES MY ACCURATE SCORE AND HISTORY BUT YOU this app. It’s crazy how rocket mortgage, a freaking HOME buying company can give my credit score and history faster and more accurate than this app, an app designed just for that. Good day.

Experian is awesome. It’s so easy to use my 4 year old could navigate around it. It gives you tips on how to boost your credit score that actually help, it allows you to link small easy to keep up with bills to your credit, it puts you in contact with lenders that will give you a credit card with good rates and it provides you with update info on your credit score regularly. this app is the perfect app to use if you’re young and trying to build your credit up like me. I’ve been using the this app app for about a year now, my credit was in the high 500’s when I started. After 1 year of using it I’m in the mid 700’s. I literally couldn’t even get a $500 payday loan a year ago, now I have a mortgage with an amazing rate. If you’re not using this app to get ahead in your life you’re a flat out simp. Good luck chumps.

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.

Since downloading the this app 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 Experian , 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.

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.
this app 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.
this app 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!!

this app 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 this app 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 this app 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!!

After many years of struggling to get to having a credit score of “Good”, it has finally happened, thanks to this app 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 this app 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!

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 this app 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 this app app as a customer.

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 Experian. 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 this app Boost. If I could I would definitely give Experian a 10/5 ratings! Thank you to the creator and inventor of this app you are truly amazing and a thoughtful person!

Wow, has my credit increased since signing up with this app! 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. this app 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.

this app, 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!

When I was 16 someone stole my
Identity. this app 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 this app since! With Experian 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.

As an this app 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 this app 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 this app. ❤️

this app 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 this app 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.

Experian 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 this app is the only company that can dupe you out of $120 a year.

And just to be clear, while this app 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.

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 Experian 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.