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Get Your Credit Score Now

We've just made it easier than ever to check your credit score. If you can’t remember the last time you checked your credit score, take the time to request it here. It'll give you a better idea of where you stand financially, as well as let you know if need to take action to improve it. Your credit score is a numeric representation of your credit history. The higher your score, the better your credit history. This number ranges from 300 to 850. What is your credit score? Check it now.

Experian Boost™

Improve Your Credit Scores Instantly for Free

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  • Get credit for bills like your phone, utilities and popular streaming services—free, with Experian Boost™
  • Access your free Experian® Credit Report & FICO® Score
  • Includes Experian® credit monitoring and alerts

Updated for: Wed 12 Jun 2024

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Start building credit in seconds

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Credit building on your terms.

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Updated for: Wed 12 Jun 2024

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Be in the know with TransUnion®

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  • UNLIMITED Score & Report access — updates available daily
  • CreditCompass™, which helps you point your score in the right direction
  • Email updates of critical changes for ALL 3 bureaus
  • INSTANT email alerts sent as soon as TransUnion finds out someone’s applied for credit in your name
  • Lock and Unlock your TransUnion and Equifax Credit Reports
  • Personalized Debt Analysis & Credit Score Trending
  • UNLIMITED toll-free access to ID theft specialists
  • Up to $1,000,000 ID theft insurance

Updated for: Wed 12 Jun 2024

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Additional Resources

Boost to your FICO® Score – Quickly!

You’ve seen the commercials. You’ve read about it online. You may have even heard friends and family talk about it. Experian Boost™ is a relatively new financial product that’s helping millions of consumers in a variety of ways. Here’s the Experian Boost™ tagline: Only Experian can raise your FICO® Score instantly How does that sound to you? Could you benefit from a quick boost to your FICO® Score? Get Free Credit Score Here’s How it Works If all this sounds
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Credit Spotlight: Kikoff

Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time. Start Here Kikoff addresses three key factors that determine 80 percent of your credit score: 1. Payment history  We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment
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How to Check Your Credit Score

What is my credit score? Is there any way to find out? How can I improve it if I don’t even know what it is? These questions, among many others, may be on your mind. Fortunately, with the right knowledge, you’ll come to find that checking your credit score is a simple task. Before we get into the finer details of checking your score, let’s touch on some other important points of consideration. Your credit score is a numeric representation
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Your Credit Score

Financial institutions take into account many details when deciding whether to approve or deny an application. Your credit score is one of the most important factors. Choosing the right financial product starts with knowing your credit score. Your score will fall into one of the following categories :
  • Excellent: 750 – 850
  • Good: 650 – 749
  • Fair: 600 – 649
  • Poor: 550 – 649
  • Bad: 500 – 549
  • Limited: 300 – 549
  • No Credit: 300
With a low score, you may have to opt for products like a secured card. This gives you the opportunity to build your credit, all the while taking the risk off of the credit card company. As you work your way up the scale, you’ll find it easier to qualify for a large number of offers. For example, a consumer with an exceptional credit score is most likely to qualify for the majority of credit cards.

Credit Errors & Disputes

Here are some things you should do if you spot an error on your credit report:

Make note of what you’re seeing: It’s critical that you double check the data to ensure that it’s inaccurate. From there, make a copy of your credit report and write down exactly what’s wrong. You’ll need this information in the future.

Contact the organized that provided the information to the credit bureau and the credit bureau itself: Both parties are responsible for making things right as outlined by the Fair Credit Reporting Act. Inform them as to what’s wrong as soon as possible.

Provide all the necessary information: Credit bureaus are required by law to investigate the information in question within 30 days. In addition to providing a copy of the credit report to support your stance, you should clearly identify the disputed item, add facts as necessary, and request that it’s corrected or deleted in a timely manner.

From there, wait for a response from the credit bureau. If they state that the issue will be taken care of, continue to regularly check your credit report to ensure that it is.

The Federal Trade Commission is well aware that this is a problem, which is why it provides information on its website about how to dispute credit report errors.

It’s frustrating to find an error on your credit report, as it forces you to spend time disputing the information and making things right. However, it’s better to do this than to simply hope for the best. Your credit report is a picture into your financial health. You want it to be 100 percent accurate at all times. Should you come across an error, take the steps above to rectify the situation as soon as possible.

Common Red Flags on Credit Reports

1. Inaccurate Identity Information

In the identity section, everything should match information that pertains to you. No one else. While you’re reviewing for these inaccuracies, check your Social Security number to ensure that it also checks out. And when it comes to addresses, there shouldn’t be anything on the list that you don’t recognize. For example, if it says you’ve lived in Alaska for five years but have never even visited the state, that’s a problem.

2. Credit History Errors

As the years go by, your credit history will continue to grow. While you expect it to remain accurate, this doesn’t always happen. Closely read through this section of your credit report to check for errors. Do you see accounts that you never opened? How about late payments that you actually made on time? What about open accounts that are displayed as closed?

If you find that an account was opened without your consent, there’s a good chance you’ve been the victim of identity theft.

3. Public Record Errors

While this section isn’t typically as expansive as your credit history, it could include things such as a bankruptcy filing and tax liens. You probably won’t find any errors here, but it could happen. It’s worth a closer look just to be sure. The last thing you need is a bankruptcy showing up in the public record section when you never filed.

4. Inquiry Permission

Hard credit inquiries can ding your credit score, so too many of these are a bad idea. It’s okay to apply for a loan that’ll result in a hard inquiry, you just don’t want to do this too often. If you find a hard inquiry that you didn’t consent to, find out why.

Tip: hard inquiries will remain on your credit report for roughly two years. After that, they drop off and are never to be seen again.

Plan the Process

If you don’t know your credit score, you could find yourself applying for loan and credit offers that you don’t qualify for. For instance, if a particular credit card requires a very good or exceptional score, but you’re in the fair range, your chance of approval is extremely low.

Here’s something else to consider: too many credit inquiries in a short period of time can have a negative impact on your score. For this reason, you don’t want to continually apply for offers that you won’t qualify for.

Knowing your credit score will help you better plan the search and application process.

Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

Office Location

Attn: LeadDemand - 3200 E. Guasti Road, Suite 100 - Ontario, CA 91761

Contact Information

Phone: Customer Service