Experian
Credit bureau app with a free Experian credit report, FICO Score and paid identity protection.
Updated · AppBreakup editorial · Web, iOS, Android
Is Experian free?
Free plan, plus paid plans
- Paid plan:
- $24.99/month after a 7-day trial
Checked on Experian's site Nov 8, 2026
Full Experian pricing and plansSwitch from Experian to
All 3
Credit KarmaCompareFree
AuraStarting price: $12/month billed annually (Individual)
ClearScoreFree
- Verified facts
- 7 of 7
- Alternatives ranked
- 3
- Approved reviews
- 0
- Visits sent from here
- 0
About Experian
Experian is one of the three major US credit bureaus, and its consumer site and app let people see their own Experian credit report and a FICO Score 8 for free, without a credit card. Free members also get Experian Boost, which can add on-time utility, phone and streaming payments to their Experian file, plus a dark web scan and offers for credit cards and loans matched to their profile. Paid memberships (Experian Plus and Premium) add three-bureau credit monitoring covering Equifax and TransUnion too, identity monitoring and alerts, help restoring a stolen identity, and identity theft insurance of up to $1 million; they start with a short free trial that needs a card. It suits US consumers who want to watch their credit before applying for a mortgage, loan or card. Keep in mind that the free score reflects only Experian's data, lenders may use a different score model, and the free tier carries product offers.
Best for: US consumers who want their Experian report and FICO Score free, with optional paid identity protection.
Experian pricing (checked Nov 8, 2026)
Each line is quoted from Experian's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Paid plan | $24.99/month after a 7-day trial | Nov 8, 2026 | experian.com |
| Identity theft insurance | Up to $1 million | Nov 8, 2026 | experian.com |
| Premium plan | $24.99 a month after a 7-day free trial | Nov 8, 2026 | experian.com |
| Free trial | 7 days, credit card required | Nov 8, 2026 | experian.com |
Pros and cons
What works
- Free Experian credit report and FICO Score 8, no card required
- Experian Boost can add utility and phone bills to your file
- Paid plans cover all three bureaus and include ID theft insurance
Why people leave
- Free tier covers Experian data only, not Equifax or TransUnion
- Paid trial needs a credit card and rolls into a monthly plan
- Free experience includes card and loan offers
- US only
Experian vs Credit Karma, Aura and ClearScore
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Experian | Credit Karma | Aura | ClearScore |
|---|---|---|---|---|
| Pricing | Free plan + paid | Free | Paid | Free |
| Verified price | $24.99/month after a 7-day trial | — | $12/month billed annually (Individual) | — |
| Free plan | Yes | Free app | No | Free app |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, iOS, Android | Web, iOS, Android | Web, Windows, macOS, iOS, Android | Web, iOS, Android |
Top Experian alternatives
See all 3- 1Credit Karma68.8
Free scores and monitoring from TransUnion and Equifax, the two bureaus Experian's free tier doesn't cover.
- 2Aura52.6
All-in-one identity protection with credit monitoring, antivirus, VPN and family plans in one subscription.
- 3ClearScore42.3
Free Equifax-based report in the UK with no paid tier, plus offers that show your approval chances.
Why people left Experian
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
No switching stories yet. If you moved away from Experian, review the app you switched to and tell us why.
Reviews
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Experian: common questions
What is Experian?
Experian: Credit bureau app with a free Experian credit report, FICO Score and paid identity protection. Best for US consumers who want their Experian report and FICO Score free, with optional paid identity protection. Available for Web, iOS and Android.
Is Experian free?
Experian has a free plan and paid plans.
How much does Experian cost?
Experian is free with paid plans. Paid plan: $24.99/month after a 7-day trial; Identity theft insurance: Up to $1 million; Premium plan: $24.99 a month after a 7-day free trial; Free trial: 7 days, credit card required. Checked on Experian's own site, November 2026.
Does Experian have a free trial or refund?
Free trial: 7 days, credit card required. Source: Experian's own site.
Is Experian open source?
No, Experian is not open source.
What platforms does Experian run on?
Experian is available for Web, iOS and Android.
What are the best alternatives to Experian?
The highest-ranked Experian alternatives right now are Credit Karma, Aura and ClearScore. See the full ranked list for pricing, platforms and verified facts.
Experian vs Credit Karma: what's the difference?
Experian is free with paid plans; Credit Karma is free to use. Both run on Web, iOS and Android.