IMPORTANT INFORMATION:
When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
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.

Learn How You Can Save Money with Good Credit

If you like saving money, then credit matters to you. With good credit, you could qualify for special financing, reduced down payments, and smaller monthly installments. Enjoy a higher quality of life and have more money to reach your goals.

Why Your Credit Score Matters

Taking good care of your credit starts with making wise credit decisions and developing healthy credit habits: pay your bills on time, don’t max out your credit cards, work with lenders to avoid delinquencies and collections, and don’t apply for multiple loans and credit cards at the same time.
The Basics
Good Credit Starts With You!
Having good credit can make it easier to get what matters most to you in life—like having a home, getting a good job, and being able to borrow money when you need it. Learn how to take better care of your credit, so it can take better care of you! Go to The Basics
Manage Debt
Is debt overload hurting your credit?
For most of us, debt is an everyday part of life. Too much debt can hurt your FICO Score, but not using any credit can be equally damaging. Learning how to manage your debt is the first step towards good credit. Go to Manage Debt.
Retirement
Are you prepared for retirement?
Retirement is one of the most important life-events you can face. No matter what your age, it’s never too soon to start investing in your future. Even if you feel as though you’re too late, you can still work towards securing a golden retirement. Go to Retirement
College
How will you pay for college?
As college tuition costs skyrocket, you might be wondering how to pay for school. The most common solution for cash-strapped students is to apply for student loans—a reasonable plan, provided you have good credit if the loan application requires a credit check. Go to College
Home
Do you qualify for a better deal?
Knowing where your credit stands can help you negotiate for better interest rates and smaller monthly payments on home or home-equity loans. Go to Home
Family
Is your credit ready for family life?
Credit can impact many aspects of your life, including getting married and starting a family. And the strength of your FICO Score and Credit Report can help shape your financial future so it's important to take care of your credit. Go to Family
ID Protection
How safe is your identity?
There were more than 13.1 million identity theft victims in 2013***. It can ruin your reputation, destroy your credit, and cost you thousands of dollars and many hours to resolve. Start with checking your Experian Credit Report to see if your identity has already been compromised. Go to ID Protection
Auto
Is a new car just around the corner?
Before buying a car, check your credit to see if you might qualify for good financing terms. Whether leasing or purchasing, good credit tells lenders that you deserve better interest rates and smaller monthly payments. Go to Auto
Employment
Is your credit holding you back?
In today’s competitive job market, many employers will check your credit before hiring you. Bad credit is often seen as a lack of responsibility, honesty, or financial management skills. Don’t let a negative mark on your Credit Report hold you back. Go to Employment
Question: Why is credit important?
Answer: Good credit can make it easier to get what you want—be it a new house, car, apartment, credit card, loan, utilities, or even a new cell phone service plan. Most lenders, landlords and cell phone service providers will check your credit before accepting your application. That's why it’s so important to know how your credit looks, find out when it changes, and learn to take good care of it.
Taking good care of your credit can help you get the things you want.
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*The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.

**Due to New York state law restrictions, the Experian Credit Tracker℠ Guarantee cannot be offered to residents of New York.

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