See Your 3 Credit Reports
& FICO® Scores for $1

Experian Credit Tracker℠ provides the tools and help you need to reach your financial goals.

*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.
Credit Report errors can hurt your FICO® Score and could cost you thousands, so check yours often.
Daily monitoring of your Experian, Equifax® and TransUnion® Credit Reports.
Get alerts when there are key changes — like new accounts and delinquencies — on any of your Credit Reports, and find out when your FICO® Score changes.
FICO Scores are used in 90% of credit decisions.
Experian Credit Tracker provides you with an initial Credit Report and FICO® Score from all three bureaus. We provide daily monitoring of your Experian, Equifax and TransUnion Credit Reports for new credit applications, changes to your name or address, and potential negative activity. You’ll receive:
Access to your Experian Credit Report
See what’s helping or hurting your FICO Score powered by Experian data with Score Factors
Email alerts when your credit history changes
Why Your Credit Score Matters
Your credit score plays a very important role in your financial life. Your credit score determines the amount of credit lenders will make available to you and the interest rates and payments on mortgages, credit cards, auto loans, insurance policies, and more.
The Difference Between a Credit Report and a Credit Score
Credit Report is a detailed history of the loans you’ve received and credit cards you’ve used. If you’ve had collections, they may also appear on any of the credit reports. For each account, the credit report shows your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed.
Credit Score is a three digit number based on the information in your credit report. Credit-scoring models may factor in the number of years you’ve had credit, how much of your available credit you’re currently using, whether you’ve recently made any late payments, and how recently you’ve had any negative actions or credit applications.
Why Your Credit Report Matters
First, your credit score is based on your credit report. Any incorrect information could reduce your credit score. A lower credit score can cause your interest rates to rise or you could be denied credit. Your credit report also lists past addresses and employers. Credit report inaccuracies could slow loan processing.

A credit report is often the first place people detect identity theft. By regularly monitoring your credit, you can reduce the damage from credit fraud.
A Note on your Annual Free Credit Report:
Under federal law you have the right to receive a free Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A free Credit Score is not included.

*Monitoring with Experian begins within 48 hours of enrollment in your trial.  Monitoring with Equifax and TransUnion takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period.  You may cancel your trial membership any time within 9 days of enrollment without charge.