Credit report & scores

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

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Editors' picks

Happy couple giving high five while sitting on a couch in a living room with a laptop on a coffee table

25 Tips to Improve Credit in 2025

By Brianna McGurran

Dec 20, 2024Improve credit

Young woman checking her credit score on the smartphone

Why Did My Credit Score Drop?

By Brianna McGurran

Nov 27, 2024Score advice

Woman is checking her credit score on smartphone while sitting comfortably on the couch

How Do I Check My Credit Score?

By Ben Luthi

Nov 21, 2024Score advice

Take action with these tools

Free credit report

Get access to your free Experian credit report and FICO^® Score^*.

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.

^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.

^*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.

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How good is your credit score?

Examples: 600, 700, 780, 803