The Experian mobile app allows you to monitor your credit health while on the go. You can review changes to your credit profile, view your Experian credit report, analyze debt accounts, file online disputes, lock and unlock your credit report and protect your identity with the app.
In addition, their online platform features a credit matching tool that allows you to view potential credit card and loan offers that fit your credit profile. Experian Boost™ is another free service you can use to instantly raise your credit score.
The Experian mobile app is available to download for Android devices from the Google Play Store and for iOS from the Apple Store.
Experian Mobile App Features
Free FICO® Score 8 and Experian Credit Report Access
With the Experian mobile app, you can view your free FICO® Score 8, additional FICO scores (i.e., Bankcard, Mortgage, and Auto scores), and Experian credit report. In addition, the report contains detailed information about your accounts, inquiries, and public records (if applicable). You can also view a summary and personal information that creditors and other parties see when accessing your credit profile.
Your Experian credit report is updated every 30 days on sign in, so you can stay on top of your credit profile. The dashboard also tells you what has changed since your last report.
Loan and Credit Card Offers Based On Your Credit Score
View credit card, personal loan, and auto insurance offers through the Experian marketplace. The offers are personalized and based on your credit profile.
Experian Boost helps you raise your score instantly, and it’s free. All you have to do is add bills like your phone, utilities and popular streaming services to your Experian credit file, and you’ll receive credit for positive payments.
Even though you have to wait 30 days for your credit report to update, you will receive email alerts whenever there’s an activity in your credit profile. This includes new inquiries, accounts, balance increases or decreases, missed payments, fraud alerts, and public records.
Real-time alerts take the stress out of waiting an entire month to learn about suspicious or fraudulent activity. Instead, you can address them right away.
If you spot errors in your current accounts or fraudulent activity, you can file a dispute directly through the mobile app.
Personal Finance Tools
The Personal Finances feature enables you to connect your bank accounts and view your finances in one place for free. You can track your income and expenses, view trends and averages, and categorize expenses to determine if you need to make adjustments to meet your financial goals.
Plus, you can use the FICO Score Simulator to determine how certain activities could impact your credit score. This feature is a part of Experian CreditWorks(SM) Premium, and a monthly fee applies.
You can also find helpful educational articles on credit cards, auto insurance, personal loans, and several other personal finance topics on the mobile app.
Premium Services With the Experian Mobile App
The following premium services are available with the Experian mobile app when you register for the Experian CreditWorksSM plan:
- Daily updates of your Experian Credit Report and FICO score
- Experian Auto, Home, and Bankcard FICO Scores
- Experian Credit Monitoring and real-time alerts
- Experian CreditLock
- $50,000 Product Guarantee
Get started with the subscription for free with a 7-day trial. If it works for you, the monthly fee is just $9.99 following the trial period.
You can also upgrade to the Experian CreditWorksSM Premium Plan for only $19.99 per month after a 7-day free trial. It includes:
- Monitoring of your Experian, TransUnion, and Equifax reports
- Daily Experian Credit Report and FICO score updates
- Monthly 3-Bureau Credit Reports and FICO Scores
- Auto, Home, and Bankcard FICO Scores
- Experian credit score tracking FICO score alerts
- FICO Score Simulator
- Experian Boost
- Experian Credit Lock
- Real-time alerts for attempted credit inquiries
- Dark web surveillance and identity theft insurance of up to $1,000,000
- Access to a U.S. based fraud resolution specialist
- Lost wallet assistance
- Identity theft and monitoring alerts
How Much Does the Experian Mobile App Cost?
It’s free to download the mobile app and access select features. These include your free Experian credit report every 30 days, credit monitoring alerts, Experian CreditMatchTM, the online dispute feature, and Experian BoostTM.
However, a fee of $24.99 per month after a 7-day free trial applies to access premium tools, including three bureau reports and scores, daily Experian FICO Score updates, CreditLock, the FICO Score Simulator, IdentityWorks Premium, and fraud resolution support.
Why Should You Use the Experian Mobile App?
If you’re constantly on the go, the Experian mobile app makes it easy to check in on your credit report and score. There’s also a suite of tools you can use to gain valuable insights, boost your credit health, file disputes or report fraud directly from your smartphone or another mobile device. This means you won’t have to wait until you get to the office of your workspace at home to address pressing issues, open new accounts or handle other credit-related business.
Is the Experian Mobile App Safe?
Experian Mobile App Customer Reviews
With over 5 million downloads and a rating of 4.5 (out of 5) on the Google PlayStore, it’s safe to say most users are satisfied with their in-app experience.
The app boasts a 4.8 (out of 5) with over 1.4 million ratings to date on the Apple App Store. It also takes the 13th spot for Finance apps.
How to Get Started with the Experian Mobile App
Simply download the Experian mobile app on your iOS or Android device to get started.