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.

Is debt overload hurting your credit?

Learn how to handle your financial situation.
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.

Managing Your Debt & Finances

Somewhere along the line, “debt” got a bad name. In reality, without debt you’ll never be able to create a strong FICO® Score, and effectively managing that debt is key!
Yes! Credit Matters: Using Your Report for Debt Management
Managing your debt can be a challenge during the best of times. Yet, repaying your debt now can help you reach financial goals even faster. The first step towards getting out of debt is knowing how much you owe. Using your Credit Report to see all of your debts in one place is a great way to start.
Yes! Credit Matters: When to Consider Bankruptcy
When you can't pay your bills, bankruptcy may not be the only solution. Talking to your creditors could be a better first option. They may be willing to work out a payment plan that's more manageable for you. A government-approved credit counseling agency may also be able to help you negotiate a debt-repayment plan with your creditors. You might also research debt consolidation to see if it's right for your situation.
Question: Will filing bankruptcy hurt my credit?
Answer: Negative information in general on your credit report can make it more difficult to obtain credit, or to obtain it at favorable rates. While unpaid bills can negatively impact your credit, a bankruptcy can be a much bigger strike against you. Before filing for bankruptcy, get professional advice and review all your options.
Taking good care of your credit can help you get the things you want.
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.
Yes! I'd Like to Know My FICO® Score.
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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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