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.

Good Credit Starts With You!

it’s never too late to learn your credit basics.
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!

Basic Information About FICO® Scores

To many of us, credit remains a mystery. What exactly is a Credit Report, and why does it matter? How do FICO® Scores play into it, and how are they calculated? If you want to learn more about your credit and how to take better care of it, this is a great place to start!
Yes! Credit Matters: What’s in a Number?

A FICO® Score is a number based on the information in your Credit Report. It’s similar to a grade you receive in school, but instead of right and wrong answers your FICO® Score is based on positive and negative credit history. Paying your bills on time and using your credit responsibly builds a positive history, while paying bills late and over-extending your credit build a negative history.

Yes! Credit matters: The importance of your Credit Report

So what's a Credit Report and why's it so important? A Credit Report is a record of your payment history and other credit-related details that lenders use to determine if they should give you credit. The information on your Report is compiled by the credit bureaus, which regularly receive data on whether you make payments on time and how much you owe. Since creditors are constantly reporting new information to the bureaus, your Credit Report can change at any time.

Question: What is a FICO® Score?
Answer: A FICO® Score is a number based on the information in your Credit Report. It’s similar to a grade you receive in school, but instead of right and wrong answers, your FICO® Score is based on positive and negative credit history.

There are many different ways to calculate FICO® Scores. Your FICO® Score powered by Experian® is calculated based on the FICO® Score 8 model.
Taking good care of your credit can help you get the things you want. Get started now!
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 2 days. 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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