Free credit monitoring

Monitor your credit to help detect possible identity fraud sooner and prevent surprises when you apply for credit.

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Start monitoring your credit

No credit card required

Stay on top of your credit

Get customized alerts about new inquiries, accounts and changes to personal info.

Monitor your spending

Know when there are changes to your spending or credit utilization ratio.

Track your FICO® Score*

See your progress over time and get alerts about changes to your credit.

*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Monitor your credit for free
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Why monitor your credit with Experian?

Get alerts about changes and suspicious activity on your Experian credit report.

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Review and correct inaccurate info on your Experian credit report for free.

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Add positive payments to your Experian credit file with Experian Boost®.ø

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øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

What else can you do with Experian?

Scan the dark web for free

Check thousands of sites and millions of data points on the dark web for your personal info, like your Social Security number, email and phone number, with a one-time free scan.

Get a free personal privacy scan

Try a one-time free personal privacy scan to check for your info on covered people finder sites and see if your address, age, phone number, relatives and more are available to the public.

Freeze your credit file

Limit access to your Experian credit report by freezing your credit file. Unfreeze or schedule a thaw at any time and get alerts when your freeze status changes.

Manage your credit

See what’s affecting your personal credit and discover tips on how to improve it. It could help you make financial decisions with a better understanding of your credit history.

Frequently asked questions

Education & advice

Credit monitoring services allow you to track the activity on your credit report. You can receive alerts for changes in the information on your credit report so that you can address things that are suspicious or incorrect.

Credit monitoring will give you insights into changes on your credit report including any hard inquiries that are made, newly created accounts, high credit card balances, missed payments and many more. By monitoring your credit, you can see which areas of your credit profile can be improved upon. You’ll also be able to spot identity theft early on and identify inaccuracies in your credit reports, so you can dispute these errors.

Credit monitoring does a lot, but it can’t fully protect you from fraud. A credit monitoring service will not be able to: stop phishing emails, keep your information safe from data breaches, prevent someone from applying for credit in your name or fix errors on your report for you.

Although the two are similar, the key difference is that credit monitoring is one part of identity theft protection. Credit monitoring will alert you if there is suspicious activity on your credit report, while identity theft protection will monitor for fraudulent activity in other places such as your bank accounts, the dark web, criminal databases and additional places where you social security number may be used.

Experian offers a free credit monitoring service that will give you alerts for changes to your Experian credit report. You're also able to upgrade your plan at any time, which will allow you to monitor you credit report for all three bureaus, lock your credit report, scan the dark web for your personal data and receive an identity theft insurance policy that will cover up to $1,000,000.

It's recommended to check your credit reports at least once a quarter, but once a month is ideal. This will allow you to stay up-to-date with the information on your credit report and find potential signs of identity theft or report mistakes.

Credit monitoring has several benefits that allow you to keep track of all the changes to your credit report, while alerting you when new activity happens, potentially informing you of the first indication of fraud.

One of the most effective ways to improve your credit score is to monitor it. Regularly monitoring your credit can help you ensure your credit report is accurate and take steps to increase your credit score. Receiving alerts of new credit report changes, you can take fast action to help you maintain a positive credit history.

Credit monitoring has no impact on your credit scores. While credit monitoring can cause soft inquiries to appear on your credit reports, they won’t affect your scores.

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