Free Credit Report

Checking your Credit Report regularly can help you make good financial decisions and detect signs of identity theft early. View your free Credit Report from Experian anytime to understand how you might look to a lender.

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Get your free credit report

Includes a new free Credit Report from Experian every 30 days on sign in. This offer does not include a free Credit Score.

Why get your free Credit Report from Experian?

See your latest credit information

See the same type of information that lenders see when requesting your credit.

Your Credit Report captures financial information that lenders use to determine your creditworthiness. This includes the type of credit accounts, current balances, payment history, and any derogatory items you may have. You will also get a summary of your account totals, total debt, and personal information.

Stay up-to-date

Get an updated Experian Credit Report every 30 days when you sign into your account.

Information in your Credit Report is frequently being added, updated or deleted. Account information is typically updated every month, and each account may be updated on different days. If a public record is filed — a civil judgment, tax lien, or bankruptcy — a record of the filing may take a month or more to appear.

Free credit monitoring

Monitor your Experian Credit Report daily with alert notifications when key changes occur.

Credit monitoring can help you detect possible identity fraud sooner, and can help prevent surprises when you apply for credit. Get notified when new inquiries, new accounts, public records, fraud alerts, and personal information updates are detected on your Experian Credit Report.

Online Disputes

Review and correct inaccuracies on your Experian Credit Report for free.

If you see inaccuracies on your credit report, you can use the Experian Dispute Center to submit and track your disputes online.

Credit Report resources

Cosigners are Responsible for Debt Repayment
Dear Experian, I cosigned a loan with my son. He is not making payments, and it will be turned over to a collection agency soon. Other than this ci
Credit Score Can’t Be Calculated
Dear Experian, I am trying to get a loan and am being denied because your company won’t list a score on me. Why? - LRT
Paying Off Charged Off Account Will Not Restart 7 Year Time Frame
Dear Experian, If a charged off credit card is about to drop off and I pay it off, can the creditor restart the seven year time frame on my report?

Credit Report basics

Why is my Credit Report important?

Your Credit Report provides information for lenders and others about how you make payments, your current and past credit mix, and whether your accounts are (or have been) in good standing. This information can help determine the terms you’re offered when you seek out new or more credit.

How often is my Credit Report updated?

In general, creditors send information to the credit reporting agencies on a monthly basis, but the day of the month that the organization sends its updates varies. Different creditors submit information throughout the month, which then shows on your Credit Report.

How to Get Your Annual Credit Report from Experian?

Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax® and TransUnion® - once every 12 months. To get your Experian annual credit report online, and by phone or mail, visit www.AnnualCreditReport.com.

What is included in a Credit Report?
  • Personal identifying information: Your full name along with variations that have been used, current and past addresses, date of birth, social security numbers and its variations, and employer information
  • Accounts: Revolving credit and/or installment loans including account status, contact information, credit limits or loan amounts, recent payments, and individual or joint responsibility
  • Payment information: Monthly payment information on all accounts
  • Public records: Including bankruptcies, tax liens, and civil judgments
  • Debts: Debts owed on all accounts including mortgages, credit cards, and auto loans
  • Hard inquiries: Every time you apply for credit, a “hard inquiry” is placed on your Credit Report
  • Negative information: Including late payments, collections, settled accounts, repossession or voluntary surrender, charge offs, and other derogatory items

Get your Free Credit Report today

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