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Credit Lock works ok. The bill negotiation is not worth the hype. I had Experian negotiate and/or cancel several memberships/bills. Experian promised & confirmed the lower changes and/or cancellatio... See more
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Experian sends many messages to remind me that my credit is either being used or not being used and how that affects my report. They also let me have easy access to freeze or unfreeze conveniently fo... See more
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What makes my experience great with Experian is that I don't have to worry about my score anymore. This company is very helpful at getting my credit score right. This company also sends feedback throu... See more
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Never realized I could boost my Fico score just by connecting my bank account. It’s definitely made me realize what I’ve been subscribing to but that’s for another time! Absolutely amazing! Thank you,... See more
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Company details
- #1 of 1 best companies in Credit Reporting Agency
- #2 of 2 best companies in Credit Bureau
About Experian
Written by the company
Experian US is committed in helping consumers to protect, understand, and improve their credit by offering a host of free products to access your credit report and credit score, along with credit monitoring and boosting your credit scores. Our customer service is dedicated to answering your questions and responding to your needs, and to help ensure your satisfaction with our products and services.
- How to contact Experian about your membership
- How to contact Experian about disputes on your credit report
- How to contact Experian about identity theft
- How to dispute credit report information
- How to place and lift a security freeze
- What to do if you've been a victim of identity theft
For consumers in other countries, please visit our global contacts page.
Contact info
475 Anton Blvd, 92626, Costa Mesa, CA, United States
- experian.com
4.1
Great
85K reviews
Replied to 99% of negative reviews
Typically replies within 1 week
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Really boosted my credit score up
Really boosted my credit score up , it’s worth giving it a shot
Date of experience: July 05, 2025
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I forgot it was locked
I forgot it was locked and was refused a new credit line. I was perplexed until I realized the credit lock was engaged. I unlocked it and the approval sailed thru. It really works!
Date of experience: May 15, 2025
Held my credit hostage for a $24.99 ransom
Experian blocks your account behind a paywall if a payment fails, with no way to cancel online, forcing you to call during banker hours like it’s 1998. This isn’t credit monitoring, it’s a predatory subscription trap. Shameful. Hard to trust a company that’s supposed to guard your financial reputation when their own shady tactics breed nothing but suspicion and distrust.
Date of experience: July 06, 2025
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No information about what is a boost or…
No information about what is a boost or how and what is it's goal,
Date of experience: January 07, 2025
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boosting my credit
did a great job using my bills to boost my credit score, although I would like to be able to add more bills that have not yet been added
Date of experience: June 07, 2025
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I recently used Experian Credit Boost
I recently used Experian Credit Boost, and overall, I think it’s a useful tool—especially if you’re trying to improve your credit score quickly. It’s free and pretty easy to set up. All you have to do is connect your bank account, and Experian looks for recurring payments like rent, utilities, streaming services, and even phone bills. If they find consistent on-time payments, they can add that positive history to your Experian credit report.
For me, the setup was straightforward and took less than 10 minutes. I saw a small bump in my credit score within a day or two—around 10 points. It’s not a miracle fix, and it won’t erase past negative marks, but if you’re someone with a thin file or trying to rebuild credit, it’s worth trying.
One thing to keep in mind: it only affects your Experian score, not TransUnion or Equifax. Also, it doesn’t work with all banks, so if your account isn’t supported, that could be frustrating.
Pros:
Free to use.
Can improve your credit score quickly.
Recognizes everyday bills that don’t usually count toward credit, like Netflix, Hulu, Phone Bills.
Cons:
Only helps your Experian credit report.
I has Limited bank account compatibility.
Also, Won’t help to much if you already have a strong credit history.
Bottom Line: Experian Boost is a good option if you're looking to raise your score a few points without spending money or opening new credit accounts. Just be sure you understand its limits.
Date of experience: June 07, 2025
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Helps me understand exactly how it…
Helps me understand exactly how it works.
Date of experience: July 05, 2025
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The Increase I received to my score was…
The Increase I received to my score was indicative of my commitment to getting my credit back where it belongs.
Date of experience: July 05, 2025
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Effective tool.
Date of experience: July 05, 2025
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Great love it
Date of experience: July 03, 2025
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Absolutely ridiculous
Absolutely ridiculous. At the first glance great company but after 3 days they blocked me out of my account. For a month I'm unable to log in and the customer service and their IT are just going in loops in emails without any help. On top of that they are sending me emails that my credit score is locked (what I done before they blocked my account) but I can't reverse it. And cherry on the top is that today they charged me for first subscription month, on the account I can't access. Definitely avoid this company. Oh yeah and if you want to speak with someone make sure that you have unlimited credit on phone and a tons of patience for vending machines not letting you through to the human.
Date of experience: July 06, 2025
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CREDIT Independence
It’s awesome to BOOST my Credit when I needed it the Most 🇺🇸
Date of experience: July 04, 2025
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Site was easy to navigate and it…
Site was easy to navigate and it actually worked!
Date of experience: July 04, 2025
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I have continued to receive…
I have continued to receive notifications ( and not from Experian) through the mail of attempts to use my information to open savings accounts, credit cards and the most recent is an attempt ( not sure if it’s been successful yet) to get Unemployment Benefits in my name. Try to navigate the Unemployment system!!!
Date of experience: June 21, 2025
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Worked for me
The process is simple and relatively quick, and my credit score received a significant boost (from payments on rent, utilities and cell phone). I'm just a regular guy reporting the Truth.
Date of experience: July 04, 2025
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