Experian® Customer Service

Experian® Positive Reviews

Great Way of Knowing Your Credit Score and Ways of Increasing ItOf the 3 Main Credit Score Companies, Experian is by far the Best Way of Increasing Your Score. Experian allows you to attach other Bills for Experian to keep track of your monthly on time payments at No Charge. Also, I did pay a Monthly Charge when I needed to Talk to a Live Person to Assist in getting an Old Account Removed from my Record. Then I returned to the Free Service to Continue to Watch my Score constantly go Up! When 1 month it dipped a few points, I noticed immediately the reason why and I was able to fix it. When I started with Experian my Credit Score was at 569, I was able to get it up to 720, when I was out of work and my Bank Account wasn’t getting weekly Direct Deposits and my Credit Cards Balances went up, my Credit Score dropped to 690. Now that I’m back working again, it has jumped back up to 720 and my goal has been 750 which I believe it will reach in 2025 (currently Nov of 2024 when leaving this review) Experian by far is better than Trans Union and Equifax. The bad thing, you don’t know which of the 3 businesses will use when looking up your score. The good thing, as I’ve used Experian, I have seen my Credit Score at the other 2 go up as well..CandyyyManVersion: 4.1.13

Vulnerable Credit Bureau Alert!I am forced to write review to expose the truth about its security flaw. It’s absurd! The business and developers really need to come together and fix this if not next second, ASAP. I have been a victim of getting my experian compromised. I realized how they are doing it. Anyone with some information of an individual is able to create a new account and it would automatically overwrite the real user account. Past day i have been battling over this. Someone is overwriting my account. I am extremely surprised how they can easily compromise an individual. Please fix this! This is a credit bureau! People depend on it. It shouldn’t be this easy for bad actors to gain access to private information. This is emergency and requires immediate attention. Upper management if you are reading this, there is an imminent risk present before you. If you can t get your security guys to act on this, then one day this risk will come at a great price. Right now, your customers are being victimized due to this loop hole which can seen from forum from two years ago if you search on google. You are keeping this gate open to keep bad actors roaming wildly in the streets.ShebebsjVersion: 4.1.15

Subscriptions keep renewing despite cancelling numerous timesThis app is decent for what it does (monitoring your credit etc) but the subscription cost of nearly $30 a month is absolutely ludicrous especially given the state of the economy at present and how many people are struggling to get by as it is. There’s no reason it needs to be that expensive. The free version of the app offers good enough features for me to be unable to justify that extra cost in the paid version. However, despite cancelling the subscription numerous times (idk how it got started to begin with if I’m being honest with you- I didn’t sign up for it) every couple months it auto renews somehow, and I end up getting charged another $30 for something I don’t want and didn’t ask for. By the time I notice it, it’s usually been some time and then I have huge issues getting it refunded to my account, since so much time has passed. Getting pretty old at this point and I have wasted almost $200 in these charges I didn’t authorize and exertion keeps pushing through despite having sent countless emails over the last twelve months about the fact that I don’t want or need the subscription. Would be really nice if they actually honored that instead of allowing the charges to continue to be pushed through. Their bank account (smart money) is decent however.L K LemonVersion: 4.2.1

Keeps me up to date, almost. But .....Let’s me know in latent real time what’s going on with my credit. But offers very little real help in combatting incorrect information or recently helping to dispute a late payment with my mortgage which my bank has already written a letter to and they ignored. If Experian were to be really on the consumer side they would over ride the false late reporting, supported by Chase Bank. I haven’t missed a payment on anything in 4 years. Stay away from Sunwest Mortgage; not consumer friendly, they do not do digital notifications or secure email unless it suits them. They also keep you on hold for hours, constantly transferring you, never really helping to see all data or see the big picture. Had they properly communicated a transaction that “hung”, I wouldn’t have to waste my time correcting a mistake which could have been easily resolved with modern communication. So when Experian can be objective, I would improve my rating; now they are just complacent in this issue..Averym7Version: 2.8.8

Credit scores, raising and loweringI was really like to discuss the fact that if someone has their credit information locked and you are in a particular store or business and you accidentally forget to unlock it and it lowers your score then denies you the credit when your credit is over 700 I really believe the dead something that you should be able to reverse and also to if the company or business decides to run your credit and continually run the credit every time it is hit it is locked. It should not affect your credit score because it wasn’t able to access it and then when you do get the credit and it’s approved it to your credit, and I believe that we are approved for something that we shouldn’t get penalized for someone checking our credit inquiry but it’s a soft we can’t control how someone pulls our credit even though they tell us they’re not going to do something and they continue to do it. It is unfair to the consumer that works so hard to maintain a credit score that everything is based on, we’re denied something or a penalty against us. I think they should be reviewed..51 /OsageVersion: 4.0.24

Credit reportingHello my name is Scott I am a current user of Experian. However the 6 months + I have been using the app so that everything I have as far as credit reports would be some what recorded and that I could at least have the bureaus looking at my file and seeing that I have paid off all my revolving credit lines with that being said Experian has not been reporting any of my payoffs and I’m not sure if it’s my credit line issuers or if it’s just somebody not actually doing their job or what but on Experian in my account it states that I have the same amount due of revolving credit and it shows that I haven’t paid it off which I have several times and the amount of my installment loan is wrong it says I owe 80 % of the amount and and I done paid the loan off almost over half way. All I’m saying is I have worked very hard for this . And I deserve for my file to be up to date like it should . Like why do we pay for the app. If you guys aren’t gonna do your job? Like report my hard work to the Bureaus like you’re supposed so people like me can have all there hard work recognized the way it should be..Scott3361991Version: 3.3.3

LockedI tried to update one of my old cards through the bank that purchased the company cardholders info. I went through the company’s application process, passed that, then was told that I had to contact Experian to unfreeze my account. Went Experian’s question process, got all the questions answered correctly. I then called company back with the pin, to be told that the file was still frozen. The credit was not able to use the pin because that is not the way they do it. Had to go and do a temporary unfreeze, that worked, got denied the card from the bank, after answering all the questions correctly from Experian. I have very good credit. This was for a purchase I wanted to make before the price increased. All I needed to do was update my old card. I now had to leave my credit file unfrozen for a day. I was able through the App to lock my file back. There is no way to speak to anyone to get problems like this resolved. Extremely disappointed..Finding my folksVersion: ECW 3.1.3

AwarenessI have recently started to use Experian. Idk if its frowned upon to meant credit karma, but hek with it I’ll say it anyway. I’ve been using Credit Karma for 3 yrs. When I 1st started to improve my credit. I initially thought that they were the only ones that could help me daily. Check my credit. And every once in a while, you guys would pop up on my emails and I want to be honest. I don’t even remember when I had signed up. But I am so grateful that I did and I’m even more grateful to have started checking in with you guys more and more. I have found that you guys are more valuable than credit karma. You guys have given me different credit. Has really given me an opportunity to grow and to manage new credit lines and things like that like thank you so so much for everything you’ve done for me and for my family here in the near future greatly appreciated if I could give you 10 star I would.Reba MrtnezVersion: 4.1.15

Inaccurate informationExperian does not update their records adequately. I can have a charge on my account pay it off and it takes 6 to 8 weeks to correct it in some cases longer thus given an inaccurate account from my spending my utilization, my overall score you take points unnecessarily, and when you give them back, you give back a fraction of what you take, an example I made a purchase for $4673 for an engine for my car. My total availability credit is over $73,000. You say that you do not affect the credit score as long as your utilization is 30% or less that was for less than 30% but you took over 40 points I paid off in four weeks I have yet to have still gotten those points back. Trans Union has me at 764. You just raise me to 744 a public record on my account. Trans Union and Equifax has removed that from my account, I still have two more months for it to be exactly 7 years but they already removed it. I just feel that the way that you rate credit is unfairly and unjust..Mr. FrayerVersion: 4.1.0

Good but not dependableI’ve been using Experian’s app for a while now and it’s been my favorite credit score monitoring app…until I got the premium plan. Using the premium plan, I have discovered that Experian isn’t as dependable as Equifax and TransUnion. I paid off one of my debts and when I went to see if it updated on my Experian profile, it was still showing a balance from 2 months ago. However, when I checked Equifax and TransUnion, through the Experian app, they were updated to the correct balance of $0. I’m also irritated that I paid $25 for the premium plan and is expected to pay another $30 to get an up-to-date credit report. I don’t know if every credit bureau makes you wait 89 days till you can “refresh” your report, but I don’t like it. I decided to go back to the free plan and make an account with Equifax and TransUnion. It might be more money having separate plans with said credit bureaus, but I’d rather pay for accuracy than an app with a whole bunch of features I don’t use..JuniJucsVersion: 4.1.0

Fraud in your appSomeone signed into Experian when I signed into it with my face on google. They changed my user name & unlocked my freeze on all of my accounts & personal information . I turned my phone off after I tried getting a live representative on the phone from your company, when I turned it back on the scammers were back on your website . So somehow they how gotten in there even thought I have paid for protection through you & through transition. All credit bureaus should have freezes on them for 1 year. & should be locked, I want to get a new phone at Verizon tomorrow but they said the freeze has to. Be lifted for an hour . I’m scared to do that as the scammers are not stopping. So o need help from you . Thankyou . A live person in the morning if not Tonight would be good with a direct phone number to call back so I don’t get the run around. If not I will call the BBB tomorrow for help . Thankyou.Sue 117lbs 5’4Version: 4.1.3

NightmareSo I found out that Experian was charging me twice for the past year and I can’t get them to answer me. I found out that they don’t have an account that is connected to my Apple subscription that I been pay for. Apparently if you sign up threw Apple , Experian will not be able to identify who you are and besides that they will charge you separately. I’m in process of reporting them to the bbb. They can’t even locate me by this Apple subscription. Be careful because they are not that friendly and all their customer service FYI, you guys always tell me to contact you guys ; however, everyone I talked to could not solve the problem with you guys charging me twice. Apparently there is a glitch in your app that will charge people twice and will not show up in your system. How about sending me an email to someone I talk to directly that knows how to solve the problem.BlackninjerVersion: 4.0.20

Awesome Credit AppPrior to using Experian’s credit app, I used Credit Wise from Capital One. In rebuilding my credit I wanted to monitor my credit accordingly and make the right moves to increase my score. Maybe, there is a glitch with CreditWise but my score always sucked no matter what I did. Paying on time, minimizing my utilization my score was horrible. I switched to Experian and my score was decent. Experian gave an accurate reflection of all my hard work and financial discipline. I love Experian Boost, which basically rewards you for things that you always pay such as rent and my celular bill. I also, like the credit card recommendations they send you as your Credit improves. With this feature I can know what cards I am more likely to be approved for. Finally they also make it super easy to check for any erroneous information on my report and have it disputed within 30 days. Experian is by far the best credit app on the market today..Santiago FuegoVersion: 2.8.2

False notificationsGood app for the most. But the false notifications of my fico score going up, only for me to open the app and see it’s still in the same spot is irritating. Need a better way of promoting those credit cards than giving people hopes up telling them the score increased…. in response to you guys response of course I signed up for the notifications. My problem is that there should be a better way to announce any promotion other than starting it off with “Great job! your fico score has increased!” Getting such notification after a score not moving for a moment only to see it’s just a credit card promotion gives people hopes up thanking its some progress. Also my names not jasmine it’s Reginald. 2nd edit: oh who ever in charge of notifications got jokes 😂😂 I just know that recent one was because of my in response… that was funny I ain’t even mad no more 😂😂.Sly8131Version: 4.0.17

A Very Useful AppKnowledge is potential power. One big problem I had in trying to become a better steward of my finances was to know my current credit score. Seeing that a good score provides ready access to securing any big purchases, I realized that I needed a reliable app to know, at least, where I stand credit-wise. The Experian app provides me this opportunity. It’s very useful. The app allows me to see all three credit scores. Moreover, it shows what financial activities are helping and hurting my credit score. Finally, the Experian app gives me alerts as to what is happening with my credit information in real time. This useful information helps me rethink my purchases and it’s potential impact on my credit rating. As a result of this knowledge, my credit score increased from the low 500’s to the mid 700’s in about three years. I recommend this app to anyone who is serious about obtaining a better credit score..Papasamurai8Version: 2.9.8

Little to no customer serviceI was really enjoying this app! I recently purchased a new phone and I have been unable to log back in to the Experian app since. I have contacted the customer service number multiple times. It loops you to where you never get a live person. The automated messages continually tell me to log in for assistance, but I can’t log in! I even tried email prompts and changing my password. Not sure what else to do! I am still getting email alerts about “changes to my credit” but I can’t log in to see them. Such a bummer. Prior to this issue, I was a fan of the app and the conveniences it offered in keeping me on track with my credit monitoring. I felt secure knowing that if there was ever an issue, I’d be alerted right away. I have been pretty frustrated with my attempts to make contact with someone who can assist me in gaining access to my account again!.Ange613Version: 2.7.0

Credit score increase of 80 pointsSince downloading the Experian app and being able to explore all of my account balances, installment accounts & balances, & collections on my credit report, I’ve paid all collections off and have been closely monitoring my report. Since I first downloaded the app, about 3 months ago now, by being very proactive and dumping a bunch of money into my accounts and erasing collections my score has shot up 80 points over the three months and continues to rise every time a new score update is available. This is all because now I am working towards having optimal credit so I can refinance my car and maybe even purchase a house. Having good credit definitely makes your life much easier, so if you care about your credit score, this will help you monitor it and put your money somewhere it should go so that it will be beneficial to you later. Thank you for reading..Mike$erdaVersion: 2.7.3

Credit Score vs Aging PopulationCredit Scores are a necessary evil but they are biased against the older population. My wife and I have $195K in retirement income, $2.5M in 401s, $2M in savings $1M in stocks, $2M in Tax-Free Bonds, and houses/property. So we don’t borrow money and pay off our debt at the end of the month. Historically, we had several organizational credit cards: Sears, JCP, Dillard, Shell, Belk, Lowe’s, etc but decades of bankruptcies and corporate failures have reduced these cards to only one card. Added to this is the financial organizations belief that older customers are a higher risk than younger customers and credit limits are reduced even if you have an excellent credit history. Recently, we were going to buy kitchen appliances and we were offered a discount if we used a company credit card. We applied and were granted a card with a $1K credit limit! The appliances were back ordered so I charged them on another credit card with a 12 month “No Interest” option. Our credit ultilization increased even though the appliances were back ordered and we did not have to pay for the purchase for 12 months. I do not need a car loan, a mortgage, or a personal loan but I get offers for these services daily. Perhaps, it would be better for companies that to target their advertising toward the population that needs these services..Sam36303Version: ECW 3.5.18

I think it’s greatUsing this app has been very helpful. Four to five years ago I made a choice to make my life better. It took a lot of poor young life decisions in my past to actually come to this point. It was hard and long at first but I know I had to be determined. Once I got past 660 mark, I know I could do it and stay focused and in no time I stared to see the doors of more opportunities start to open us for me. Once I hit 700 I felt I could do anything so I applied my self more in the journey and wanted to find my self more and make changes for the better and now I made it up to 710 life could not me more better as long as I keep going and keep wanting to do better. This app have help led me keep track of everything. I hope anyone that add this helpful tool to there life but just know to put your self first because what it’s all about finding you. Leo.Leo:)~Version: 4.1.35

SUBCRIBE!! Need Help with Your Credit Score? Have ID Theft?Just starting Out~See How to Build CreditExperian has helped me find out how my Credit Score Dropped Significantly from Excellent to Fair when I started. I found out there was fraudulent use of my credit by more than one person/entity & get this~~> I was somehow Reported DECEASED!! I had 2 Addresses that were using my SS number: One person financed a car using my credit. Experian talks you through the process to dispute and submit through the App. You can FREEZE Your CREDIT which I HIGHLY recommend; it’s EASY to sign on & SWIPE the toggle to Unfrozen when you want to apply for Credit. Then when you’ve completed applying for Credit sign on with facial recognition & toggle your Credit back to Frozen to safeguard your credit. I highly recommend the annual subscription to Experian my credit is back up & still Rising..~ Music <3er ~Version: 4.2.1

Experian is great, simple as that.This app is awesome. It’s so easy to use my 4 year old could navigate around it. It gives you tips on how to boost your credit score that actually help, it allows you to link small easy to keep up with bills to your credit, it puts you in contact with lenders that will give you a credit card with good rates and it provides you with update info on your credit score regularly. Experian is the perfect app to use if you’re young and trying to build your credit up like me. I’ve been using the Experian app for about a year now, my credit was in the high 500’s when I started. After 1 year of using it I’m in the mid 700’s. I literally couldn’t even get a $500 payday loan a year ago, now I have a mortgage with an amazing rate. If you’re not using Experian to get ahead in your life you’re a flat out simp. Good luck chumps..TrevorPoulakisVersion: 2.10.3

Great app, until it started with fluff notificationsI’ve been using this app for around 8-10 years. It would send me useful notifications about my credit profile and potential issues as soon as they popped up. But over the past few years, they started sending fluff notifications about credit card offers and “great credit utilization”. These are not useful notifications. I tried to filter the less useful notifications, but there isn’t an option to do so. So if I want to be kept aware of any potential problems, I have to accept their garbage/fluff notifications as well. I’m sure they are getting some kind of financial compensation for pimping out credit cards, but if I pay for a service, I expect to not be the product they sell to others. This is classic double dipping. They shouldn’t be in the credit card offer market when we rely on them for credit report info and credit profile maintenance. Great app/service otherwise..RichOliveraVersion: ECW 3.6.2

Real Time Alerts & FeedbacksExperian provides real time alerts regarding changes to my credit file. I’m immediately able to check any updates to stay on top of my file. This recently helped me make the decision to change a long-time insurer. I questioned the lack of change in rate based on tenure and other factors. The insurer claimed to have performed a “comprehensive” review including credit review. This did not appear on my Experian file, which the insurer claimed to have utilized. Based on my inability to substantiate the insurer’s claim, I moved on to another insurer and lowered my rate by 25+% while increasing my coverage. I find Experian user friendly (it helped me to review the tips). Most importantly, it’s an effective tool in allowing me to model my credit scenario and steadily strengthen my credit score. It’s been a worthwhile investment for the 1 Starbucks/per week I decided to give up!!.Chel206Version: 2.3.1

Experian App ReviewI like the app as far as getting my score,however, it seems a bit slow. It is not as let’s say other financial related apps. Meaning it does not flow as fluid or smooth as other apps. I think it needs to be worked on but it is not a critical flaw. Also, when one goes to review their credit report, one sees the number of accounts, inquiries, etc. but then a little arrow on the same side (right) must be pressed to view the entire item. Why can’t the entire credit report be viewed in full on one screen without having to involve little arrows to view and then close before you see another item. I think making the 2 noted improvements would be great. I’m not saying the app is bad; I’m just trying to point out some improvements which I think your overall audience would like. If you have any further questions or concerns I’ll gladly be available for further comments. Thank you for the opportunity to provide feedback..Ocean PointVersion: 4.1.10

Experience the BestA lot of the times your credit rating moves as slow as a snail. You try your best to be a good consumer and be consistent with your financial situation. Being a senior on a fixed income which dwindling faster than you can keep up with all involved. Experian has been fair and makes me feel that my efforts handling my finances makes me feel I still matter and at least doing fair when others of the triad rate me poor or less. I am not behind in any of my accounts and I have a car note that is more than 50% paid off on a fixed income on disability as well as paid off almost all my accounts except 3. Experian allows me to keep track of this mess and make sense of it and keeps me from throwing in the towel like a lot of folks have had to do in my situation. I have had to make slot of sacrifices to keep my credit profile where it is. Thanks for the help!!.Blue-Melody1Version: 2.7.0

Now I know,…Recently went searching for a place to stay and when speaking to the rental management, they told me my credit score is 550 I felt this was suspicious. Then I saw online,.. Experian a place where you can check your credit score. So I filled out the information and realize my score was higher. Now I feel confident about seeking a place to stay and possibly can receive financial guidance and help at this crucial time. I’m facing homelessness and maybe with this higher credit score someone would give me a chance to have a rental. I have steady employment. I work hard every day. Thanks too, the truth about my credit score I have a little more confidence. Now knowing more information about my credit and how the system works, I can make a change, and finally have a place to rest and relax. Thank you so very much..Big For AfroBeatsVersion: ECW 4.1.37

Excited AND AmazedAfter learning of Experian Boost I did a ton of research and was both excited and ready to give it a try. I haven’t had the best track record as it pertains to managing my credit and ensuring I am in a good and healthy financial position but decided I wanted that to change. In the hour that I have been with the program I have boosted my score 78 points, utilized simulations available via the app to see decisions I CAN make to continually increase the health of my credit, learned the unhealthy decisions I have made which have affected me negatively,been matched with lenders to “thicken” my “thin” file, and enrolled in credit lock/monitoring. The research I did on this product betrayed the ACTUALITY of how great and much needed this product REALLY is! I, with the utmost sincerity, highly recommend EVERYONE, regardless of your credit health, to enroll in Experian Boost. You are doing yourself a great disservice in NOT researching and joking for yourself!!!.Princess morebucksVersion: 2.9.10

Gets the Job Done as a Simple Non-Premium UserI downloaded the app wanting one simple job: to check my credit score and to know if any accounts have been fraudulently opened in my name. So far, it’s been a smooth experience. Yes, sometimes the scores will differ from other credit cards or companies, but it’s really dependent on the type of scoring model they use. A lot of car dealerships and mortgages like to use Fico 8, which Experian also uses. I’ve found they tend to be more conservative than my credit cards, which is a great problem, as it means Experian shows my “worst case” credit score which is oftentimes lower than what many companies have pulled from me. They also have a lot of useful information for people new to credit cards, and it’s been an incredibly valuable resource to me. The app’s 4.8/5 rating is well deserved.BobbyJohnson123Version: 3.2.7

NAME OF ACCOUNT’SI like when you can check your credit anytime and see what’s going on I froze my credit do you to Social Security card and other important documents got lost with all my information only thing would be really great as win you tell them that this account has increased and you might have the name of the bank well it would help more if you would give the name of the card or what the account is from Mike’s at Home Depot Home Depot alone from Hawaii when I said things go OK what Did I open because you don’t pay attention and then even though they have the name of the bank you have to go look at my cards or the bank statement for the statement from credit cards but it would be nice like Home Depot and you know the name or the billing from and then whether increase decrease crystal girl I fishy thank you very much.Snowies -palsVersion: 3.2.3

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 4.2.12

Experian® Negative Reviews

The worstSigned up for free subscription. Tried to cancel within 10mins as the app said you can cancel anytime within the specified period of time. App won’t let me cancel the subscription. I went through the app and found the section to cancel membership/subscription but when you click that section it continually loads and never populates. I don’t have any connection issues and I’m connected to Wi-Fi and everything else in the app works perfectly fine and loads right away; but, mysteriously, when you try to cancel it won’t populate. Guess what else won’t populate within the app? Contacting support. That doesn’t populate either. Sure, they show you the link to click in the app but it takes you to a screen that never loads so you cannot contact them and you can’t cancel like they stated you can. This is a scam. This isn’t right. This is wrong. I had payed for them in the past on the web (not the app) and when I tried to cancel there I also ran into issues: they couldn’t verify my identity in order to cancel. I signed up for the app to get my credit score as my veteran friend advised me to do like he did but it wouldn’t show me my credit score (I have one btw and other places have showed me that in the past) but some how I can’t see my score through experian and they get you to signup but then block you from canceling. What a joke of a company. No one should use this product..Clearance217Version: 3.5.20

Faulty, inaccurate information, and horrible dispute customer serviceI paid for this service and it continuously posts inaccurate information on the three bureau credit report. Equifax and Transunion removed a bad collection, but Experian says it will remain on their report for six years. Plus Experian inaccurately reports same bad collection on their version of the equifax report. The reports on Experian are not updating, even after I wa told by agent to delete and reinstall the app. I personally spoke to Equifax and Transunion and both bureaus state Experian is reporting non-factual information - the Experian bureau system is not up to date and failing to maintain correct credit data (according to other customer complaints). When I attempted to dispute this matter and state the facts the agent would not try to assist by stating the bad collection will just stay on my report till 2026, plus she just hung up on me when I requesting for better assistance in resolving the issue. So, why am I paying for inaccurate three credit bureau report if Experian information is inconsistent with the actual other two bureaus. Well this an app I have to say needs to get the bugs washed out of the system - and get up to speed. Experian become consistent with the other two major bureaus! May have to discontinue service..Better Credit ReportigVersion: 3.1.6

Unavailable to do a credit boost I’ve never a credit cardExperian has my banking account information so I can pay for the service and every time I try to boost my credit score I am being told that my bank isn’t on the list of banks I’m with a railroad FCU and don’t understand why my bank isn’t on their list but they’re able to get a payment from my bank account for there service. All my utilities have always been paid on time no question. I will not let my kids go without heat/ AC, or a home. I’m completely disabled due to secondary progressive multiple sclerosis and I still have 2 children at home All I have is student loans and I’m working to have them completely wiped off but I’m unable to fill out the paperwork because my handwriting is completely unreadable because the Multiple Sclerosis affects my right side of my body and left side of my brain. I have lost my registered nursing degree because I’m completely disabled after having MS for 23 years. I have lost both my parents so I have no help anymore or support. I’m happily divorced from a narcissist who was emotionally and verbally abusive and wanting me to pay him for the 50/50 custody of which I have my children 90% of the time . I’m looking for a break please..JunaejjVersion: 2.9.18

Experian and this app must be the king of upselling!Experian may be useful for folks trying to improve their credit score when they need to monitor every change, but for folks with good, established credit it is nothing but frustration. Why do I have the app when I complain about it? Only one reason: To quickly and easily unfreeze my Experian credit score. This credit freeze and unfreeze is FREE for Experian and the other two major credit reporting agencies due to federal law. But the FREE freeze/unfreeze feature is buried, while they constantly try to upsell you with their ‘lock/unlock’ feature for $5 every month. Log in on the web and you don’t get a dashboard or a main menu, but instead you get hit by a splash screen that tries to get you to upgrade for $25 per month. I must decline EVERY TIME I log in. I also get a monthly email with credit alerts. The ‘alerts’ are always unless; examples: “credit balance increased” or “credit balance decreased”. Yep, that’s what happens when you use your CC and then pay it off every month. Dumb and frustrating. And you can’t unsubscribe from the emails. And you can’t change the notification levels in the app to prevent the useless emails. The free version is annoying, and I would never give this company a dime..Jl5978Version: 4.1.23

Not fairTo be honest, I love the app. But I have been having these issues with Sun Light financial and power home solar they sold me a faulty system. I have a lawyer and I’m being punished on my credit report for being scammed. It’s not fair to me to be getting scammed or bamboozled out of my money and on top of that being punished on my credit report. Which I have sent documentation and letters to you guys maybe at least twice and nothing happens. This is still on my credit report. So that’s the only reason I gave the low rating because nobody understands what we’re going through it’s thousands of us out here probably going through the same thing and we’re getting punished on our credit report. It said it’s stressful. We’re having an anxiety. I went through a bankruptcy right before I got the solar system. I fought through my bankruptcy and I was trying to do something to help myself. Which was buying solar to try to save money, not being scammed out of my money. It’s not fair that my credit is being punished. I have a history the last couple of years since my bankruptcy of paying bills on time and making my payments this goes to show that I should not be punish for being scammed..Deebird76Version: 4.1.15

Unwanted Marketing PUSH NotificationsUpdate #2: I constantly receive marketing PUSH NOTIFICATIONS from my Experian iPhone app (NOT EMAILS). These push notifications show up right alongside credit alerts on my phone. There is no way to shut these off without turning off app notifications altogether in my iPhone settings. And by turning off all notifications, this app is completely worthless for credit monitoring. I really wish someone at Experian support or whoever writes developer responses would take a minute to read this and understand my issue before responding. These are not marketing emails, they are marketing push notifications from this app!!! I’m getting constant marketing and tip notifications on my iPhone with no way to turn them off. These are not related to my credit alerts, they are nonsense messages congratulating me on my credit score, and suggesting I check other scores, etc. I’ve tried to find the answer to this problem but app support in the App Store is not actually app support. I only want to be notified about the specific alerts I have identified in my settings. Nothing more. Please fix this so I’m not forced to unsubscribe to Experian..GRat12345Version: 4.0.1

Why so slow, and poor redesign choices.I’ve been using the app for a while both on iPhone and on iPad. For some reason it takes nearly 30 seconds after opening the app for it to get to the logon page (or to do Face ID/Touch ID if you have it enabled), then another 30 seconds to actually load any data. You spend more time looking at animated swirls then actually using the app. FYI this is on an iPhone 13 Pro and an M1 iPad Pro, so not exactly older slow devices. As a matter of face upgrading from an XS to the 13 Pro made no change in the load speed so it is either a fixed load time, or an issue pulling data from their site. And a recent update changed the interface, which in theory looks nicer, but on iPad only works in portrait mode. Previously it worked in either portrait or landscape. So if you have your iPad in a keyboard case this app is now stuck sideways. Quite the downgrade. It unfortunate as the data in the app can be quite good, but it is just a better experience using the website. If you are going to make an actual app it should provide some value or user experience that makes it worthwhile to use it vs just the website..Shawn ParrVersion: 3.3.6

This App is terribleI’ve used Experian app for almost a year and a half now and feb 8,2023 it starts having problems with the boost tool so I disconnect my bank and when I go to reconnect my bank with the boost tool my bank is no longer on the list of banks they work with. Now my credit score has dropped from 693 points to 666 points because my credit card was connected thru it and that’s not including the 8 points for disconnecting the boost elgible payments once it was disconnected they used a credit report that is from November and it has a high balance and has been paid off already but because they update my account every 3 days my score keeps dropping because of the old report I’ve contacted them and they said nothing they can do I just have to wait until next month to see if it will use my march credit card report. The issue I have with waiting is it keeps dropping my score every 3 days by 10-12 points so my credit score is gonna be severely damaged by the time my march report comes out and not to mention if it doesn’t use the march 2023 report it’s going to continue to drop. DO NOT USE EXPERIAN TOOLS OR ASSISTANCE IN BUILDING YOUR CREDIT THRU THE APP..Wise decisionsVersion: 3.5.14

Want in-your-face marketing you didn’t ask for? Have I got the app for youEdit: I received a response from Experian. It’s clear my review wasn’t read as I didn’t mention anything about emails, I’m referring to the advertisements that are widely present throughout the app and there is no way to reduce these. I downloaded the Experian app to track my credit score and monitor if anything fishy ever happens. Why is the app OVERFLOWING with ads? I have never been advertised to so much in my life, I can’t navigate anywhere in this app without three credit card offers, auto insurance, or services to clear your info for the dark web. Remember in the early 2000s when you’d accidentally click a bad link in an email and your screen would get flooded with pop-ups that you couldn’t escape from? It’s like whoever invented that also created the Experian app. Did you know in 2023 the FTC filed a civil penalty case against them for spamming consumers with marketing emails? That tracks, in the app too. Also, this app has super high ratings, I suggest you go look through their reviews. All the top ones are pretty clearly fabricated, they read like a commercial script. Nice try Experian.MBACASVersion: 4.1.19

Experian, facilitator of ID theftExperian is the absolute WORST credit reporting agency and a _facilitator_ to fraud. Bunch of shills posting positive reviews, be aware. I’m a recent ID theft victim and I’m going through the aftermath of freezing and monitoring my credit. If the 3 companies, this is the only one that I cannot reach a human to resolve my registration issue. This app throws an error and advises you to call a number, which routes you to automated machines that tend to disconnect on you before you can speak to anyone. As others have faced, I’m still not able to register so that I can monitor my credit activities. Now back to the facilitator to fraud assertion, shortly after I noticed fraudulent accounts and credit applications were opened under my name, I ran credit report checks on all 3 reporting services. Of the 3, only Experian shows soft and hard queries were performed on my account, additionally the queries were performed by Experian or Experian-affiliated businesses. I truly believe there’s still backdoors in Experian’s network infrastructure that they have not patched since their last security breach. My advice is for you to find any and all ways to freeze/lock your experian reporting to prevent being an ID theft victim yourself..Chanto!Version: 2.1.4

Complete lack of AccountabilityNot recognizing my $5 / month subscription through Apple. Slammed me to a free version when I use the app and online even though my subscription has continued to be billed and paid for six months now. Can’t see my three credit bureau score without upgrading to a $25 / month version. Customer Service is AI Voice Response - none of the options have anything to do with the problem that I need help solving. Leads to a redirection to online help and or ends the call. On the few times that I connected with a human, there was clearly an English comprehension problem - and - the representative was seeking my personal information manually after I had entered much of the most sense information already. In one case, I could hear children in the background as if the person was working from home. I wasn’t comfortable proving my extended personal information to someone verbally under those circumstances. My solution is to cancel my subscription and not do business with Experian any longer. Shameful customer service from a company that is asking us to trust them to protecting our identities. Steer clear..TheTallBearVersion: 4.0.23

App is buggy. Customer service is terrible.Downloaded this app to help improve my credit score. I locked my credit then unlocked it to try to apply for another credit card. Got a notification that the CC company couldn’t run a credit report because my Experian report was locked. It was not locked, I made sure of that. Had to search around for the number to talk to an actual person because the number they provide only gives you automated options. Finally got in the queue to talk to someone, waited 15 minutes and explained to the lady (who was clearly not from the US) and explained the situation to her. She answers with “there’s no lock on your credit,” so had to explain the situation AGAIN to her, which she then proceeds to check if there are any locks on my credit (SERIOUSLY?). As I’m trying to explain AGAIN the situation, the call drops. I get no call back from anyone and waited in line again for 10 minutes (and I’m at work this whole time) and decide to just hang up. PLEASE get better customer service. I don’t care if you outsource but if they can’t understand what I’m trying to explain, there’s a huge disconnect and it only make your customers even more frustrated..ImyopushaVersion: 2.5.2

Was a Great app but it no longer worksThe app is great, clean, intuitive, and easy to navigate. It has improved greatly since it began and as an app by itself it is very enjoyableAnd easily worth a five star rating. However my only drawback is the cost per month for all three credit bureau‘s. Most banks, checking accounts, and credit cards now offer you free limited credit profile views. I get quite a few options with the app but it is hardly worth paying a monthly subscription anymore. If it was 20 or $30 a year, I would consider it a value. But not the monthly fee that I’m paying now. I’ve only continued to use it because I was originally paying for a private service through my bank for the same and was automatically transferred/enrolled when they stopped the service. I’ve done it for years to watch my credit. Now I am heavily considering no longer subscribing since the two basic functions of current score and credit file protection notifications are free for me on three other apps/banks I now have. Update: the app no longer works and keeps crashing. I updated the app and it still keeps crashing..StarryrgVersion: 3.3.4

Horrible, I can’t even get inSo I downloaded this app thinking it was my first time using it, but according to them it’s not, so I had to get my login info, which wasn’t hard. But everytime I sign in, it tells me to complete my registration info, which I do, but then once I finish that, it takes me back to the screen for me to sign in again, and then I just complete the same process over and over again. Tried contacting the customer service number on the app, but of course you can’t get through to ANYONE and instead you have to listen to a audio recording telling you the exact same thing that already isn’t working. When I tried to change my password again on the customer service line, they were supposed to email me a link to do so, which I have yet to receive. I’m like 95% sure that I’ve never even used this service before (I don’t have ANY emails from them, not even from the past when I search through my old emails) so the fact that I’m even going through this is baffling and the horrible customer service isn’t helping at all. It’s like it’s letting me sign in, but it’s not at the same time and just has me going in circles. Just stupid..Deesmooth92Version: 2.8.3

Experian is the worstExperian will lower my credit score for no reason. All my payments are made on time, credit usage will be low, not one thing will be done differently and yet they will lower my score.I will check my score with the other two majors and it will be up but yet experian sees fit to lower it. And they are always recommending that I get a new credit card from one of their partners. But their partners charge an annual fee and interest on all purchases. And their “boost” is a joke the other two majors have my score at a higher level without having a “boost”. They constantly tell me that another credit card may help my score but when I got another card they lowered my score. They more than likely lowered it because the card I got was not from one of their “partners “. One day after emailing them to point out their BS they dropped my score 6 points and deleted my boosted account. This is an update; one day after writing the above review, experian dropped my score by 14 points! Another update; the first time I was critical of experian they dropped my score by 6 points and deleted my boosted account. This occurred the day after sending them a criticizing email..SteveymarkVersion: 2.9.18

This app is horrible and so is the companyI’m literally just trying to log into my app, I forgot my password and my phone number has changed so I’ll make it impossible to do so. When I go to the app and click forgot password, it asked me for my phone number which is not the same as it was when I signed up. Y’all give an option verify ID and another way so I click on that I go through the options such as providing my Social Security number my birth, my birthdate, and my app pen, which were all correct as well as my secret questions and reset my password then at the end in order to successfully reset the password you wanna verify the phone number again. Why even give the other option if it’s not gonna work I’m so fed up with you. I literally just need to get into my application because goes to y’all. I don’t know how you guys are still in business and trusted to handle our credit. I can’t get a hold of anybody on the phone and I’m not gonna write a physical letter just to reset a freaking phone phone number so that I can get into my app. It’s ridiculous. I’m surprised you guys haven’t had a lawsuit yet..LojoviVersion: 4.1.11

Very late on reporting credit info and won’t give score.Creditwise, rocket mortgage, and other financial companies present my credit score, report, and credit history immediately upon demand and with ease. My credit score had been risen 3 times as reported everywhere else, and even my financial advisor can get my credit score easily when I ask. But for some reason, Experian won’t show my score and reports my credit usage very late, like a week after my actual score changes. Literally everywhere else updates me every 7 days. When I made my Experian account 3 years ago, it’s always and to this day has said “Score unavailable” why?? My credit score was 643, then 645, now 647 as stated on equifax, transunion, and creditwise (over course of a month) but Experian? Nope! “CREDIT UNAVAILABLE NOT ENOUGH ACCOUNT OR HISTORY BLAH BLAH. CAN’T BELIEVE I PAID MONEY TO SUBSCRIBE TO NO OUTCOME. EVERYONE ELSE GIVES MY ACCURATE SCORE AND HISTORY BUT YOU EXPERIAN. It’s crazy how rocket mortgage, a freaking HOME buying company can give my credit score and history faster and more accurate than Experian, an app designed just for that. Good day..31.jay follow meVersion: 3.1.2

Not sure the amount of commercials was truthfulSo far in the first half an hour of looking at this app, I have been offered many many many credit cards that are 35% annual rate and above that come with annual fees of about $75 per year.. I already get tons of junk mail with the same offers. I certainly don't need it in an app as well. The save lots of money on canceling your subscriptions portion means you have to sign up for a subscription to Experian for $25 a month. Seems to defeat the purpose. Not a fan so far of this app maybe as I keep going there will be things worthwhile for downloading this app. I have gone back and read many recent and older reviews and most of them are one and two stars. Lots of problems. Can't cancel the subscription even though everything else on the app works. Anybody reading these reviews I doubt very much if I am going to sign up or continue to use this app I am only one hour into this. Imagine if you stuck around and paid them money. look at the 2.4 million reviews it says that they have not gotten any one or two star reviews. That's not true even close..Landscaper88Version: 4.1.17

Extremely Difficult to Find “Security Freeze”This is by far the most useful of the three credit apps as far as functionality, in my experience. Unfortunately, Experian has created a UI that seems to deliberately hide the option to set a security freeze in your credit file, in favor of a monthly subscription. I had to spend 10 minutes searching every corner of every option to find it, and I was pushed toward their monthly CreditLock service numerous times while trying to find this option. A lot of folks might not understand that these are two distinctly different products and they do not have to pay to protect their credit. At the end of the day, Experian is a business that needs to generate a profit, which I understand. I’m still extremely dissatisfied with the way they’ve chosen to obfuscate free and crucial services in favor of their paid premium (and frankly unnecessary) options. If the service is truly that valuable and they stand by it, why work so hard to minimize the free alternative?.YomommasluvaVersion: ECW 4.1.6

Janky & full of bugsPaid for the premium version for many months now and every feature I’ve tried has just been a click bait dead end! So disappointing. Ways to save money: it suggests transferring CC balance to a new card with a zero intro rate, but when you click the link it takes you to a long list of card offer matches and pre-approved cards, NONE of which actually have 0% intro rates! The save money on your car insurance feature - which mentions I could even receive a rebate on premiums I’ve already paid. But when I click on that it just takes me to a regular insurance market place like any other. I’ve tried several times to dispute an inaccurate account on my report and that feature has gone absolutely no where. Like yelling into the ether. No follow up in the app, no email, no notifications or resolution of any kind. And the best part - there’s no way to cancel your membership in the app either. You have to make a phone call during business hours. The whole thing is a rip off. With buggy navigation too!.SwapplyVersion: 4.1.10

Score isn’t accurate?At first I was very pleased to be using The app. Over time the score gradually increased and things were looking good. I waited to apply for certain things until I thought my score would help considerably. In my experience almost all major things I apply for pull from Experian so I thought it was a smart move. Once I applied for something I waited for a response. A couple weeks later I got a letter in the mail saying I was denied. The credit score on the paper I was sent said they did pull from Experian and the score they showed was 40-50 points BELOW what the app showed. I checked my history in the app and it never dropped that low during the time I used the app. I tried contacting support and my response back was regarding how the creditor may not use a FICO score or Experian. The paper did not say FICO anywhere but if that is the case it would be nice to have more than just a FICO score in the app so you could see the majority of the type of scores lenders and creditors would use..BleshnicoughVersion: 2.10.7

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