Jump-start your credit

Build your credit for free with Experian Go™ so you can start reaching your financial goals.

Scan to download the app and sign up for your free Experian membership.

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Establish a credit profile

This is your first step to building positive credit history.

Understand how credit works

See how your financial decisions can impact your credit.

Boost your credit scores

Get credit for bills you already pay like your cell phone, utilities, streaming and rent.ø

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.

Start building your credit for free
Get started

How it works

Download the app and confirm a few details to start your free Experian membership.

Scan to get Experian applications.

Scan to get the Exp app

Download on the Apple App Store.Get it on Google Play.

We’ll help you find your best path to credit and your first FICO® Score*.


We'll provide insights and tools so you can create healthy credit habits.


*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.

Why your credit matters

Be financially independent

From applying for a credit card to renting an apartment, your credit history plays a big role in your life.

Get better chances of approval

Building your credit can give you a better chance of approval for your first car loan and beyond.

Create healthy credit habits

Establishing good credit habits like paying bills on time could give you more financial options, lower rates and better terms.

Find a credit card or loan

Grow your credit from the ground up with the right credit card or loan.

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Your guide to credit

Get tips on understanding and improving your credit profile with our free e-book — available in English o español.

Frequently asked questions

Experian Go™ helps you define your unique credit journey by guiding you step by step—from establishing credit to getting your FICO® Score. We’ll provide education and insights along the way, so you can learn about credit.

Credit checks are often required when opening a new account, finding a place to live or even starting a new job. Since your financial habits impact your credit, a credit score is a way for lenders to see how risky it is to lend to you.

Usually the higher your credit score, the more likely you are to be approved for new credit. Just remember, credit is a journey—your score can grow with time and consistent healthy credit habits.

First you'll need to establish credit. There are many ways to do this, so we’ve made it simple. After setting up your Experian account, just answer a few questions, and we’ll recommend the credit path that works best for you.

Once you establish credit, expect to see your FICO® Score when you have about 6 months of credit history. And if you have existing payment history on file, you’re already on your way to getting your FICO® Score.

If you're starting off by opening a credit card, you've set yourself up for your best first FICO® Score as you build your credit history. Payment history is the most important factor in determining your FICO® Score, so make a plan on how you'll pay and stick to it.

Keep in mind, your first FICO® Score is a starting point. You may not qualify for the best credit cards and interest rates from the start—but remember, your credit journey is a marathon not a sprint.

Getting your first FICO® Score opens a whole new world of credit. Reaching this milestone means you’ll graduate from the Experian Go™ dashboard, and you’ll receive updated tips, financial insights and personalized credit offers to reflect the next stage of your credit journey.

Learn more about credit