Experian: The Essential Guide – Info on Boost, Login, Freeze, & the Credit Report


By Amy Beardsley

Expert contributor for Credit Knocks


Advertiser Disclaimer - Some links on this page may pay us advertising fees.



Summary: This guide contains everything you need to know about Experian. Need help logging in? Contacting support? Or picking the right Experian tool for you? It’s all right here.

Experian has excellent tools for checking your credit score and report. It’s a big name in the credit industry.

But what exactly does Experian do?

Good question.

As it turns out, Experian does a lot. It has an enormous focus on consumer credit reporting to help you track your credit history and improve your credit score.

That sounds easy enough, right?

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Increase Your Credit by 100+ Points

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

If you look at all Experian offers, it’ll blow you away.

But navigating all of their tools?

It can be overwhelming!

Once you learn the ropes, keeping up on your credit is easy. And we will walk you through everything you need to know.

Ready?

Let’s dive into anything and everything you need to know about Experian!

What Is Experian? A Quick Overview Of The Nation's Largest Credit Bureau

Experian is one of the three major credit bureaus. The other two are TransUnion and Equifax, and all three keep a credit report on you.

I can guess what you’re thinking…

What information do they collect?

They maintain credit and demographic information, including:

  • Personal data (your name, birthdate, address, employer)
  • Loans, credit cards, and other account summaries reported by creditors
  • Public records, judgments against you, and bankruptcies
  • Credit checks, credit inquiries, and every credit application you’ve ever made

And it tracks all of that for more than 550 million consumers in the U.S.

Experian has been around for over 125 years with one goal in mind:

To help lenders manage credit risk and empower consumers to understand credit so they can use it responsibly.

That’s a lofty goal, right?

Well, Experian has plenty of staff, with 17,000 employees in 37 countries around the globe. And 7,000 of them work in North America.

The company has two regional offices, one in California and the other in Illinois.

But remember: You can’t get credit report help from the corporate office.

For that, you must contact the individual service. And Experian has an excellent help center.

But wait!

Before you click, keep reading. You’ll find all the information you need right here.

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Check out our #1 choice for professional credit repair. 

Essential Experian Services

Experian does a lot to help lenders and consumers - people just like you and me.

Lenders rely on the credit information it collects to determine how creditworthy you are. For instance, if your file shows several missed payments, that’s a red flag to banks and credit card companies.

And that means...

Keeping an eye on your credit record is crucial.

And Experian makes it easy!

It provides so many options to:

  • Check your credit history
  • View your credit score
  • Improve your credit
  • File a dispute
  • Protect you from identity fraud
  • And more

Want to know more?

You’re in the right place. We’re covering all of Experian's essential services in this article. You’ll be an Experian expert by the time you’re done reading it!

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Raise Your Credit Score For Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

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Free Experian Credit Report

Are you trying to get a car loan? Or maybe you want to buy a house or start building your credit with your first credit card.

Either way, your credit score matters.

Want to know your score?

A free account is all it takes to get your credit score from Experian.

But it gets better than that…

Experian gives you free access to your FICO Score and updates the info once a month.

Credit Monitoring

Monitoring your credit is a breeze with Experian. It’s part of the free suite of services you get when you sign up for a free account.

It keeps tabs on your report to help you detect possible fraudulent activity and identity theft.

Here’s what you get:

  • Updated credit reports
  • Account balance tracking
  • Real-time alerts of any activity
  • FICO Score tracking
  • Easy access to submit a dispute
  • Access to Experian Boost

Your account comes with a free dark web scan to look for your data among stolen usernames, passwords, Social security numbers, and credit card numbers.

Payment history is the number one component of your credit score, accounting for 35% of your score.

Experian Credit Report

The heart of your credit score is your credit report.

I can hear you now:

Don’t I have to pay for my credit report?

Nope.

Your credit report from Experian is entirely free.

With everything a credit report includes, you might think it would be confusing. Experian does an excellent job laying out the information, so it’s easy to understand.

You can check for errors, see your payment history, view changes in your FICO Score, and monitor your overall credit usage.

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Experian Boost Is Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

It's quick, easy, and free.

Experian Boost

Imagine being able to increase your credit score instantly.

Sounds too good to be true?

But it can happen!

That’s what Experian Boost is all about.

If you pay utility bills, Experian Boost will search your accounts and add positive payment history to your credit report.

But wait…

Did I mention it’s free?

Find out how to enroll in Experian Boost and see the difference it can make.

Experian Disputes

Checking your credit report is great to do at least once a year. Really, you should do it more often - quarterly, if you can.

What if you find an error?

It’s bound to happen. After all, 20% of people find at least one error on their credit report, according to the Federal Trade Commission.

Experian disputes help you answer this question, but we take it a step further.

Here’s how:

We have a one-stop-shop for everything you need to file an Experian dispute.

Experian Identity Theft Protection

Experian includes some identity theft protection when you sign up for a free account.

That should be good enough, right?

Well, maybe not.

According to a Gallup poll, 16% of respondents said identity theft happened to them or a household member within the last 12 months.

That’s huge.

Experian takes identity theft protection even further. With IdentityWorks, you get:

  • Credit monitoring from all three major credit bureaus
  • Fraud resolution
  • Up to $1 million in identity theft insurance
  • Access to lock and unlock your credit file
  • Dark web surveillance

You might know it by the name ProtectmyID, but it’s all a part of Experian’s identity protection tools.

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Low Credit Score?

Get a free consultation with a credit repair expert to see how much they can help your credit score.

It's quick, easy, and free.

Experian Business Services

Experian offers business services to help with marketing, response rates, and risk management.

What does this mean for you?

Probably nothing. If you’re not a business, this doesn’t apply to you.

But it’s nice to know that Experian has your back, whether you’re an individual consumer or a business.

Want to know more?

Check out Experian’s Business Services for details.

Additional Experian Services

With all of these tools for your credit and identity fraud, Experian has you covered.

What if I told you there was more?

It’s true!

Experian has additional services to help with other areas of your life. Let’s see what else they offer.

Experian Credit Match

Applying for and using the right credit card is critical when you’re building your credit. Experian Credit Match takes away the guesswork.

It looks for credit card offers that match your credit profile and your credit card preferences.

For instance, you might prefer a credit card that:

  • Earns rewards points
  • Gives cash back
  • Is for fair or poor credit
  • Allows balance transfers
  • Has no annual fee

Credit Match does all the hard work for you and sifts through offers to find the perfect fit.

3 Credit Boosting Shortcuts:


1)  Add up to 10 years of payment history to your credit file by buying a "tradeline."  

2)  Improve credit mix and save money for the future with a "credit builder loan."  

3) Can't qualify for a credit card?  Start with a secured credit card and build your payment history.

Experian AutoCheck

Experian AutoCheck helps you review the history of a vehicle. It contains data from 95% of all U.S. auto auction houses on the condition, structural assessments, and possible hidden damage on vehicles.

Why would you need to know that?

So you can buy a car with confidence.

Imagine the next time you’re car shopping…

You’re looking at a few vehicles but can’t decide. So, you quickly pull up a vehicle history report from Experian AutoCheck at the touch of a button.

Experian Connect

Experian has the best credit reporting tools for consumers and small businesses, too.

Think about this:

You need to share your credit report to rent an apartment. However, your credit report contains a significant amount of personal information.

You don’t want it to fall into the wrong hands.

That’s where Experian Connect comes in. When you purchase and view your credit report, you select authorized connections who can also see it.

It can save time and eliminate a lot of paperwork.

What if you’re a small business? With Experian Connect, screening tenants, evaluating clients, and determining whether to offer consumer financing is simple when you can access their credit report.

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Raise Your Credit Score For Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

It's quick, easy, and free.

IDnotify

IDnotify provides premium identity theft protection.

I bet you’re thinking:

I check my credit report and get credit monitoring alerts, why should I pay for credit monitoring?

Here’s the thing…

Less than 17% of identity theft activity results in a credit monitoring alert.

Yikes!

With a plan from IDnotify, you get everything you need to protect your digital identity.

Experian Credit Tracker

Your free Experian account comes with a free credit report. But it’s limited to what Experian has on file.

Remember: there are three credit bureaus that track your credit profile.

If you want access to your credit reports and scores from all three credit bureaus?

You need Experian Credit Tracker.

Keep in mind that this is a paid service. However, it comes with a free trial to take it for a test drive.

Experian CreditWorks

CreditWorks basic is included at no cost when you create an Experian account.

There are two problems with the free account…

  1. It only includes your Experian credit report
  2. It only refreshes your credit report once a month

To check your credit report from Experian, Equifax, and TransUnion, you need CreditWorks Premium.

The price is reasonable.

And the extra features - like a daily Experian credit report and FICO Score - are worth it if you want to monitor your credit file.

Plus, when you upgrade to CreditWorks Premium, you’re automatically enrolled in CreditLock.

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Experian Boost Is Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

It's quick, easy, and free.

Experian CreditLock

If you’ve been a victim of identity theft or credit fraud or suspect you might be, Experian CreditLock can give you the added protection you need.

It “freezes” your credit report.

When you do that, no one (not even you!) can open a new account in your name.

Experian CreditLock lets you quickly lock and unlock your credit report online. When you’re ready to apply for a loan or open a new credit card, you can “unfreeze” your credit.

After the application has gone through?

You can lock it back up for the ultimate protection.

Quick Tip:  Track the Right Score!

A lot of people make the mistake of tracking their VantageScore, the free score you get from Credit Karma.  However, 90% of lenders use your FICO score when making lending decisions.  MyFICO is the best place to get your FICO scores.  

Experian Support

Ever tried to get support with a service online? Sometimes the “contact us” button is impossible to find.

It’s like companies don’t want to help you!

That isn’t so with Experian.

Whether you need help to navigate the app, log in, contact customer service, or cancel your account, here’s what you need to know.

Experian Phone Number & Customer Service

When you get stuck, the last thing you want is to get the runaround.

You just want to talk to a person! (Why is that so hard these days?)

But don’t worry.

We did the hard work for you!

We’ve laid out customer service phone numbers for every Experian product.

Pro tip: Bookmark that page to make it easy to find when you need it.

Experian Login

As one of the “big three” credit bureaus, Experian is the go-to source to get your credit on track.

The company has a tool to help you get it done, no matter what you’re looking for - from credit reports and monitoring to identity fraud protection and small business resources.

How can you keep all the services straight?

We’ve got your back.

Here’s a list of how to sign in to every Experian.com service.

The list even includes the login information to get a FICO Score… completely free.

Experian App

You know what they say…

“There’s an app for that.”

With Experian, it’s true!

And Experian doesn’t disappoint.

The Experian app gets you instant access to your credit report and FICO Score.

With the app, you can also:

  • View your updated credit report
  • Get alerts for credit activity and key changes
  • See credit and debt summaries
  • Dispute credit inaccuracies for free

And do you know what else?

The app is available in the App Store and Google Play.

So, whether you’re a fan of Apple products or have an Android-powered smartphone or tablet, you’ll have everything you need to manage your credit in the palm of your hand.

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Increase Your Credit by 100+ Points

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

How to Cancel Experian

Ever sign up for something and then change your mind?

The trouble is figuring out how to cancel your account.

Although most of Experian’s tools don’t cost you anything, some, like IdentityWorks, are paid services.

If you find the service just isn’t for you?

Look through our list of Experian phone numbers to find out how to contact support. Otherwise, call the Experian USA number at 479-343-6239 for help.

Keep in mind that you’ll have to verify your identity anytime you call Experian.

That means you should be prepared to answer questions about your account and personal information, including your Social Security number, credit card information, date of birth, and other sensitive information.

Pro tip: Experian is a reputable company, and you shouldn’t have any trouble. But it’s always a good idea to note the representative’s name, effective cancellation date, and a confirmation number.

Increasing Credit Score

Questions And Information

Still have questions? That’s okay.

Because we’re here to help.

Here are answers to common questions we get about Experian and its services.

How to Freeze and Unfreeze Experian Credit

Think identity fraud can’t happen to you?

Think again.

Identity theft is a real threat to every American.

But it gets worse…

A 2019 Identity Fraud Study found that 23% of fraud victims had unreimbursed personal expenses.

Freezing your credit is the easiest way to protect yourself against fraud and identity theft.

If you have an Experian CreditWorks membership, you can lock and unlock your credit file online or from your smartphone.

If not? Visit Experian’s Security Freeze Center online and select “Add a security freeze.”

Want to know more?

Check out our comprehensive guide on how to freeze and unfreeze your credit.

Is Experian Safe?

It’s no secret that your credit score matters.

And here’s the thing:

You don’t want to trust your credit to just anyone.

With all this talk about Experian, I bet you’re wondering…

Is Experian safe?

Spoiler alert: Yes, Experian is safe.

As one of the three biggest credit bureaus, Experian is the real deal for protecting your credit and identity.

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Raise Your Credit Score For Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

It's quick, easy, and free.

What Is the Experian Credit Score Range?

Your Experian credit score can range from 300 to 850. The higher the number, the better your credit is considered to be.

But did you know…

The credit score ranges from Experian, Equifax, and TransUnion are all different.

And there are 28 different FICO Scores.

Why so many different credit scores?

Because creditors value parts of your credit file differently. For instance, some might place higher importance on loan payment history, while another thinks credit utilization is the most important.

It just depends.

For instance, a FICO Bankcard score is used for credit card decisions.

And if you want to get a car loan?

Lenders use the FICO Auto Score to help decide whether to approve your application.

If you want to know more, check out our article on credit score ranges for a complete explanation.

Which Banks Use Experian?

Knowing which banks use Experian is especially helpful if you’re applying for a loan.

Why?

If your Experian credit score is higher than your Equifax or TransUnion score, you want the bank to use Experian to make a decision.

Because the higher your score, the more likely you are to be approved.

Makes sense, right?

The tricky part is finding out which banks use Experian.

For credit card decisions, Chase Bank uses Experian. But it may check TransUnion and Equifax, too.

The same goes for Capital One - the company can rely on Experian’s data or check all three credit bureaus when deciding.

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Experian Boost Is Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

It's quick, easy, and free.

What Is A Good Experian Score?

Bad credit, poor credit, good credit…

What does it even mean?

Generally, Experian separates credit scores into these categories:

  • Very Poor: 300 to 579
  • Fair: 580 to 669
  • Good: 670 to 739
  • Very good: 740 to 799
  • Exceptional: 800 to 850

And here’s the thing:

Whether your credit score is “good enough” depends on what you’re trying to do.

It can vary by lender, but you generally need a 640 score to qualify for a mortgage.

A slightly higher score might be required to purchase a car. According to an Experian report, the average credit score for a new auto loan was 716, while the average credit score for a used car loan was 661.

What If My Information Was Part of the Experian Data Breach?

A data breach is the Achilles heel in protection against credit fraud and identity theft. What happens if your sensitive information gets into the wrong hands?

That’s exactly what happened to Experian.

In 2015, Experian reported that the bureau had been hacked. It exposed the data and personal information of about 15 million people (mostly T-Mobile customers).

A class-action lawsuit was filed against Experian. 

But, as they say, you can’t put the horse back in the barn.

If you were part of the Experian data breach, what should you do?

First, monitor your credit often to watch for suspicious activity. Also, consider locking your credit file with a credit freeze to stop fraudulent activity before it starts.

Can Experian Boost Hurt Your Credit Score?

Experian Boost can instantly improve your credit score by giving you credit for on-time payments to utility companies.

But what if you made a payment (or two or three) late?

There’s good news:

Experian Boost only considers positive payment history.

So those late payments?

They won’t lower your credit score.

credit knocks logo

Experian Boost Is Free! 

Experian Boost credits you for paying utility and cell phone bills which improves your credit score for free.  

It's quick, easy, and free.

Experian: The Bottom Line

Experian has a lot going for it. The company has so many free tools and resources for you to tap into.

But remember…

Some of them require a paid subscription.

Some come with a free trial, so you can test the product to see if you like it.

But one thing is sure:

All of Experian’s products can help you keep tabs on your credit file.

So bookmark this page to have it handy later.

Because you never know when you’ll need help to contact support or find the right information.

*A recent nationwide survey by Credit Knocks showed 48% of credit repair clients got a 100+ credit score gain if they stayed with their company for at least 6 months.

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