Sign In

Credit report & scores

Understand how credit reports and credit scores work, what they mean and why you should monitor yours regularly.

Report advice icon

Report advice

Score advice icon

Score advice

Establishing credit icon

Establishing credit

Improve credit icon

Improve credit

Credit repair icon

Credit repair

Life stages icon

Life stages

Editors' picks

Take action with these tools

Free credit report icon

Free credit report

Get access to your free Experian credit report and FICO® ScoreΘ.

Get your FICO® Score

Free credit monitoring

Stay on top of your credit and monitor your spending.

Experian Boost®

Instantly raise your credit scores for free—just by paying your bills.ø

Disputes

Correct inaccuracies on your Experian credit file.

Free Experian app

Manage your finances any time, anywhere on your phone.

What others are reading

A smiling woman holding her phone and standing on a pier.

What Is a Good Credit Score?

You need a credit score in the mid- to high-600s to have good credit. Find out how to get ...

Louis DeNicola profile imageBy Louis DeNicola
Jan 6, 2025Score advice

How to Contact the Credit Bureaus

Jim Akin profile imageBy Jim Akin
Jan 30, 2025Credit report & scores

How to Improve Your Credit Score

Ben Luthi profile imageBy Ben Luthi
Jun 4, 2024Improve credit

How to Dispute Credit Report Information

Louis DeNicola profile imageBy Louis DeNicola
Jul 22, 2024Dispute

What Are the Different Credit Score Ranges?

Louis DeNicola profile imageBy Louis DeNicola
Dec 18, 2024Score advice

How Do I Get a Paid Collection off My Credit Report?

Karen Axelton profile imageBy Karen Axelton
Sep 11, 2024Collections

The latest from our experts

Looker Tokens List

Cheapest Series Tokens (Full Tables) {{ cheapest_min_us }} {{ cheapest_min_ca }} {{ cheape...

Ben Luthi profile imageBy Ben Luthi
May 29, 2025Report advice

Meet Expert Component Test

Standard Profile Pic Ben’s Opinion Ben Luthi Author Writer, Researcher Lorem ipsum dolor s...

Ben Luthi profile imageBy Ben Luthi
May 22, 2025Report advice

Should My Child Get a Credit Card?

Your child may be ready for a credit card if they're responsible and good at following rul...

LaToya Irby profile imageBy LaToya Irby
Jan 27, 2025Kids

How Long Do Charge-Offs Stay on Your Credit Report?

If a lender cannot collect a debt you owe, a negative entry called a charge-off appears on...

Jim Akin profile imageBy Jim Akin
Jan 24, 2025Negative information

Which Debts Should I Pay Off First to Improve My Credit?

Your unique credit profile will impact which debts you should pay off first, but focusing ...

Louis DeNicola profile imageBy Louis DeNicola
Jan 16, 2025Improve credit

11 Credit Myths Debunked

Bust these persistent myths around personal credit, which can cost you money and confound ...

Jim Akin profile imageBy Jim Akin
Dec 19, 2024Report advice

How Often Should I Check My Credit Score?

Keep a regular eye on your credit and check it several months before submitting important ...

Louis DeNicola profile imageBy Louis DeNicola
Dec 16, 2024Score advice

Why Is There an Inquiry From the IRS on My Credit Report?

There are several reasons that there might be an inquiry from the IRS on your credit repor...

Louis DeNicola profile imageBy Louis DeNicola
Nov 27, 2024Report advice

How Many Times Can You File Bankruptcy?

There's no limit on how often you can file bankruptcy but, depending on bankruptcy type, y...

Jim Akin profile imageBy Jim Akin
Nov 19, 2024Bankruptcy

Will Paying Off a Loan Improve Credit?

You may not see an immediate score increase if you pay off a loan. Depending on your credi...

Brianna McGurran profile imageBy Brianna McGurran
Nov 19, 2024Score advice

Can You Remove Hard Inquiries From Your Credit Report?

Hard inquiries can only be removed from your credit report if they're the result of identi...

Ben Luthi profile imageBy Ben Luthi
Nov 14, 2024Dispute

How Much Does It Cost to File Bankruptcy?

Filing for bankruptcy might cost around $1,250 to over $6,000 when you hire an attorney. H...

Louis DeNicola profile imageBy Louis DeNicola
Nov 10, 2024Bankruptcy

How good is your credit score?

Monitor credit score icon.

Examples: 600, 700, 780, 803

Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances through expert guidance and innovative tools. As a trusted platform for money management, credit education, and identity protection, our mission is to bring Financial Power to All™.

Support

Education & advice

Credit resources

Experian's Diversity logo.
Experian’s Diversity, Equity and Inclusion
Learn more how Experian is committed
Data privacy logo.
Download from the Apple App Store.Get it on Google Play.