# Experian®: Credit Score & more — Loans, Cards, Save & Protect

> Manage credit reports, FICO scores, and financial health with bill negotiation. (iPhone/iPad app by Experian.)

- Source: https://appshunter.io/ios/app/experian-credit-score-and-more/id1087101090 (this page in markdown: same URL + `.md`)
- Developer: [Experian](https://appshunter.io/developer/1087101089)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.80/5 from 2,729,422 App Store ratings · 1,958 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 241 MB
- Languages: American English
- Released: 2016-05-16
- Data updated: 2026-11-04
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/experian-credit-score-and-more/id1087101090/reviews.md

## What is Experian®?

Get your Experian Credit Report and FICO® Score with a free membership—no credit card needed! Apply for credit cards and loans labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not approved^^. You could save an avg of $1,007/year on car insurance^^^. Chat with the Experian Virtual Assistant™. With a paid membership, you could save an avg of $721 with Bill Negotiation & Subscription Cancellation**and get an advance with Experian Cash™ powered by Brigit^.

GET STARTED FOR FREE
■Experian Boost®ø
Raise your FICO® Score* using bills you already pay - cell phone, utilities, streaming services and eligible rent payments
■Credit monitoring
Stay informed if accounts are opened in your name, or new inquiries appear on your Experian credit report
■Marketplace##
Compare credit card, personal loan or car insurance quotes matched to your credit profile
■Financial health assessment#
Take a survey and get suggested actions to improve your overall financial health and see what steps you could take to improve it

PREMIUM BENEFITS
■Bill Negotiation & Subscription Cancellation**
 You could save time and up to $721 when we negotiate and cancel your bills
 ■Experian CreditLock***
Protect against identity theft by locking your Experian credit file. Get real-time alerts if someone applies for credit in your name while locked
 ■Experian Cash™ powered by Brigit^
Get a $25-250 advance when you need it most

TERMS
 See experian.com/legal for Terms of Use Agreement, Privacy Policy, Marketplace Licenses & Disclosures, Insurance State Licenses and Insurance Carrier Partner Details.
 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®.
 *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.
 **Results will vary. Not all bills or subs eligible. Savings not guaranteed. $721 avg. est. savings w/ 1+ negotiation & 1+ cancelation. Paid membership w/connected payment account(s) req’d. See experian.com for details.
 ***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences at Experian.com
 ##Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states.
 ^^Applying for cards and loans labeled ‘No Ding Decline™’ won’t hurt your credit scores if you aren’t initially approved. Initial approval will result in hard inquiry, which may impact your credit scores.
 ^^^Results will vary and some may not see savings. Average savings of $1,007 per year for customers who switched and saved.
 #Results may vary. The financial health assessment is for informational purposes only and is not intended to provide financial, legal, tax, or other advice.
^Experian Cash™ is powered by Brigit. Not all users will qualify. Depending on eligibility, advances range from $25–$250.  Express delivery is optional and a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. You are not required to enroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advance with a free Experian membership. Terms apply.
©2026 Experian. All rights reserved. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.

## Key features

- Free credit report and FICO Score
- Experian Boost to raise FICO Score
- Credit monitoring and alerts
- Marketplace for financial products
- Bill negotiation and subscription cancellation
- Experian CreditLock for identity theft protection

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Experian CreditWorks℠ with Trial | $19.99 | per month |
| Experian CreditWorks℠ | $19.99 | per month |
| Experian CreditWorks℠ with Trial | $9.99 | per month |
| Experian CreditWorks℠ | $9.99 | per month |
| Experian CreditWorks℠ with Trial | $4.99 | per month |
| Experian CreditWorks℠ | $4.99 | per month |


## Chart rankings

- #29 in Top Free · Finance (US App Store)
- #41 in Top Grossing · Finance (US App Store)

## What do users think of Experian®?

Reviews of Experian® are mixed: the Finance app is rated 4.8/5 from 2.7M App Store ratings. What users like most: accurate credit score monitoring, helpful credit improvement tips. Top complaints: inaccurate credit score reporting, poor customer service and support. Summarized from real user reviews.

**Pros**

- 🚀 Accurate credit score monitoring
- 👍 Helpful credit improvement tips
- 🔒 Secure credit report access
- 💡 Useful Experian Boost feature
- 🚀 Convenient credit tracking

**Cons**

- 🐛 Inaccurate credit score reporting
- 🔒 Poor customer service and support
- 💰 Overpriced premium subscription
- 🐛 Buggy app performance
- 🔒 Difficult to cancel subscription

**Commonly reported bugs**

- Repeated disconnection of bank accounts
- Inability to view current credit report
- Inconsistent credit score updates

**Most requested features**

- More frequent credit report updates
- Integration with other credit bureaus
- Improved dispute resolution process
- Customizable credit monitoring alerts

## Is Experian® safe?

Experian®: Credit Score & more appears safe based on user ratings. The AppsHunter Safety Score for Experian® is 96 out of 100. This assessment is based on 2,729,422 user ratings, with an App Store average of 4.8 out of 5. Of 2,729,422 App Store ratings, 97.2% point to a safe experience, 2.0% suggest some concerns, and 0.7% point to a risky experience.

## Is Experian® legit?

Experian®: Credit Score & more appears to be a legitimate app. The AppsHunter Legitimacy Score for Experian® is 93 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 1,958)

All indexed reviews: https://appshunter.io/ios/app/experian-credit-score-and-more/id1087101090/reviews.md

### 1/5 — Absolutely useless

*2026-11-01*

I am a member of the Experian service. Periodically my credit score drops by 24 points despite the fact that, as per Experian AI, only positive changes have been reported. This has happened multiple times but the AI is telling me that I am doing great.
I have spend a horrifying amount of time trying to figure out how to speak to an actual human about this with no success. I ended up writing a bad review about their service, which prompted a follow up email from their service department. Woohooo!! I finally had a human to talk to by email. I explained to them that I needed to talk to someone who could tell me which reported item lowered my credit score since I don’t see one at all. For more than a week they just keep telling me that they are not credit advisors. I keep asking them to refer me to someone that could point out the reported item in question but they can’t do that either. I don’t need an advisor to raise my score, I need someone to show me a specific reported item. Experian is one of the three major credit reporting agencies. As such you would think that pointing out a reported item wouldn’t be such a problem. Well, no such luck.
Their membership is absolutely useless if you need any help at all. All you can do with it is watch a number go up and down and listen to their AI who tries to make you feel better about it. Total waste of time and space!

### 5/5 — LP

*2026-10-22, version 4.2.38*

Absolutely, some is hard to read but it’s all good.

### 1/5 — Kill yourself

*2026-10-22, version 4.2.38*

.

### 1/5 — Trash

*2026-10-22, version 4.2.38*

Bunch of lies, downloaded to get my credit. Doesn’t have my credit

### 1/5 — Maybe it’s just me

*2026-10-21, version 4.2.38*

I can’t login… I give up.

### 5/5 — Really helpful

*2026-10-21, version 4.2.38*

I’ve learned so much about how money works and this site is a place I can go to at any time to see how my financial looks as well as ways to improve how my credit rating stacks up. I love coming in now and then, usually after they have alerted me regarding any changes in my credit rating. I’m very happy

### 5/5 — Experian

*2026-10-21, version 4.2.38*

To learn your credit, choose Experian, check today!!!

### 3/5 — PNC Bank account

*2026-10-21, version 4.2.37*

Every time I try to sign my PNC bank account to connect to my Experien account I have problems every time I put it in. It delete me out please help. I have the app on my phone and I’m having problems.

### 5/5 — Credit Report

*2026-10-20, version 4.2.37*

Always staying in control of my credit with Experian, I would rather go directly to my report than other credit sites that may have some information not updated.

### 5/5 — Excellent

*2026-10-20, version 4.2.37*

Experian has the best “App”, i.e., it is easy to access, navigate and depart.   It is also quite simple for un-savvy tech souls like Me.

## Frequently asked questions about Experian®

### What does this app do?

This app provides access to your Experian credit report and FICO Score, allowing you to monitor changes and understand factors affecting your credit. It also offers features to potentially improve your score and compare financial products like credit cards, loans, and car insurance. A paid membership unlocks additional benefits such as bill negotiation and subscription cancellation.

### What are the key features of the app?

Key features include free access to your Experian credit report and FICO Score, Experian Boost to potentially raise your score by using eligible bills, credit monitoring with alerts for changes, a marketplace to compare financial products, and for paid members, bill negotiation and subscription cancellation services. It also offers Experian CreditLock to protect against identity theft.

### Is there a cost to use this app?

The app offers a free membership that includes access to your credit report and FICO Score, Experian Boost, credit monitoring, and the marketplace. However, there are premium benefits available through a paid membership, such as bill negotiation and subscription cancellation, which offer potential savings.

### What are the common use cases for this app?

Common use cases include checking your credit score before applying for loans or credit cards, understanding how to improve your creditworthiness, staying informed about any changes to your credit profile, finding better rates on financial products, and saving money by having bills and subscriptions negotiated or canceled.

### Is this app compatible with my device?

While the description doesn't specify exact compatibility, mobile applications of this nature are typically designed for both iOS and Android operating systems. You can usually find detailed compatibility information on the app's store page (e.g., Apple App Store or Google Play Store).

## Version history (last 5 releases)

### 4.2.39 — 2026-11-04

This update includes performance improvements that make the app faster and more reliable. Just one way we're helping you manage your credit more easily.

### 4.2.38 — 2026-10-21

Regular improvements to the Experian app help you manage your credit anytime, anywhere. This update includes the latest bug fixes and performance upgrades.

### 4.2.37 — 2026-10-19

We want to make your credit journey as smooth as possible, so we’re always working on improving our app. This version includes bug fixes and other performance updates.

### 4.2.36 — 2026-10-15

From bug fixes to performance upgrades, we’ve fine-tuned the Experian app to give you the best mobile credit experience.

### 4.2.35 — 2026-10-08

It’s easier than ever to check your FICO® Score with the latest version of our app. We’ve fixed bugs and released other improvements to make your credit journey more enjoyable.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-04.*