# Experian® — Control Your Credit & Finances

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

- Source: https://appshunter.io/ios/app/experian/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 2,695,303 App Store ratings · 1,672 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 255 MB
- Languages: American English
- Released: 2016-05-16
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/experian/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

- #33 in Top Free · Finance (US App Store)
- #43 in Top Grossing · Finance (US App Store)

## What do users think of Experian®?

Overall sentiment: neutral

**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

## Recent user reviews (10 of 1,672)

All indexed reviews: https://appshunter.io/ios/app/experian/id1087101090/reviews.md

### 5/5 — Faithful

*2026-08-24, version 4.2.29*

I can track my credit score, Lock my credit report, and see credit/ Financial advise in one place. This works great for me.

### 5/5 — 5star

*2026-08-24, version 4.2.29*

App seems pretty helpful so far

### 4/5 — Confirm cars not working

*2026-08-23, version 4.2.29*

App suggests to confirm cars, but doesn’t activate the confirm button despite ticking the button next to the missing car.

### 1/5 — Make it Easier to Freeze for Free

*2026-08-23, version 4.2.29*

Title says it all, the websites clearly set up to push you towards their paid “premium” services, its not super intuitive to just perform the free credit score freeze they have to provide per federal law.  I find it insulting to my good sense and intelligence, the only reason I maintain an account with them is for the sake of preventing someone from fraudulently making account in my name.

### 5/5 — Experian app

*2026-08-23, version 4.2.29*

Only thing I can say is, get the app, get the monthly protection plan & get all the help you need, in one place, to help with your credit, finances, identity theft, etc. I have not only learned so much, but have learned how to improve my credit score. My next goal is ccard consolidation & payoff.

### 5/5 — Code sending issues

*2026-08-23, version 4.2.29*

I’ve noticed lately that there’s issues verifying my account via text codes. I’ve had to repeatedly requested  for a resend. Is there an update that I’m missing? I’ve tried resetting my password yet, it continues to happen.
Thank you

### 5/5 — Great App

*2026-08-23, version 4.2.29*

Everything you need is at your fingertips. I love it.

### 5/5 — Experian is the greatest

*2026-08-23, version 4.2.29*

They monitor my credit much better than Equifax or Trans Union. Thanks, Experian.

### 3/5 — Can’t login overseas

*2026-08-22, version 4.2.29*

App was useful in the US but for some reason is blocked from Australia.  Quite frustrating!

### 1/5 — Spam

*2026-08-22, version 4.2.29*

Will not stop spamming me to check my credit score

## 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)

### 4.2.30 — 2026-08-28

There’s more to Experian than just credit. We're constantly updating the app with the latest product features and performance enhancements to help you manage not only your credit, but your finances too.

### 4.2.29 — 2026-08-22

Our goal is to make it easy for you to check your credit—and that starts with improving the Experian app. This version includes bug fixes and performance improvements to make the app run smoother than ever.

### 4.2.28 — 2026-08-17

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.

### 4.2.27 — 2026-08-10

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

### 4.2.26 — 2026-08-03

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.

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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 2026-08-30.*