Experian is a finance-focused Android app that delivers your credit report, FICO Score, and protections like Experian Boost and CreditLock, plus bill negotiation benefits. It sits in US FINANCE with top rankings (#44 and #49) and a strong 4.71 rating from 702,460 reviews. The product shows sustained popularity with 10,000,000+ total downloads and 130K downloads in the last 30 days.
Pros & Cons
Free Experian membership with no credit card required for the core features.
Experian Boost leverages everyday bills to improve your score.
Comprehensive credit monitoring with proactive alerts.
Personalized marketplace for cards, loans, and insurance options.
Premium Bill Negotiation & Subscription Cancellation can drive meaningful savings.
Experian CreditLock adds an extra layer of identity protection.
Some features require a paid membership and results vary (e.g., potential savings and score impact).
Not all lenders use Experian credit files or offer approvals; outcomes may vary by lender and state.
Certain offers and features may not be available in every state or region.
About Experian®
Experian® is a finance app developed by Experian.
How many times has Experian® been downloaded?
Experian® has been downloaded 21 million times. In the last 30 days, the app was downloaded 130 thousand times. It is ranked in the top 100 finance apps.
What is the rating of Experian®?
Experian® is rated 4.71 out of 5 stars, based on 700 thousand ratings.
Is Experian® free?
Experian® is free to download. The APK download size is 56.34 MB. The latest version available is 4.2.30. The last update was on August 28, 2026.
What are the requirements for Experian®?
Experian® requires Android 8.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play May 2016.
Description
Financial Power to All™. Get your Experian credit report and FICO® Score* with a free Experian® membership—no credit card needed! Apply with confidence for credit cards labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not initially approved^^. You could save big on car insurance and even get notified about changes to your credit profile. With a paid membership, you could save an average of $631/year on bills and subscriptions with Bill Negotiation & Subscription Cancellation**, get started today.
GET STARTED FOR FREE
■Experian credit report and FICO® Score* Check your FICO® Score and credit report anytime, anywhere—it won't hurt your credit. Get every 30 days. See what factors help or hurt your FICO® Score, and actions to take for better credit.
■Experian Boost®ø Raise your FICO® Score* using bills you already pay, like your cell phone, utilities, video streaming services and eligible rent payments.
■Credit monitoring Stay informed with push notifications if your FICO® Score* changes, accounts are opened in your name or new inquiries appear on your credit report.
■Marketplace^ Compare credit card, personal loan or car insurance options matched to your unique credit profile. Apply with confidence for cards labeled “No Ding Decline™” that won’t ding your FICO® Score if you aren’t approved^^. You could save money with a personal loan or save over $1,007+/year on car insurance^^^.
PREMIUM BENEFITS
■Bill Negotiation & Subscription Cancellation**
You could save up to $631/year and time when we negotiate your bills!! We'll even cancel subscriptions you no longer want.
■Experian CreditLock***
Protect against identity theft by locking your Experian credit file. We’ll alert you real-time if someone applies for credit in your name while your file is locked.
TERMS
See experian.com/legal for Terms of Use Agreement & Privacy Policy.
øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.
*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.
**Results will vary. Not all bills or subs are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. Experian members for whom Experian completed at least one negotiation and canceled at least one subscription averaged $631/year of anticipated savings.
***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences between them: experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/
^Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states.
^^Applying for ‘No Ding Decline™’ credit cards won’t hurt your credit scores if you aren’t initially approved. Initial approval will result in hard inquiry, which may impact your credit scores.
^^^Results will vary and some may not see savings. Average savings of $1,007 per year for customers who switched and saved.
Recent changes: Find out if you're overpaying on auto insurance. We shop and compare quotes for you from over 40 top insurers. And NOW you can get notified when rates in your area drop with ongoing rate monitoring! Experian will actively monitor rates in our network to make sure you’re always getting our best deal.
Get a detailed PDF report for Experian® with download trends, rating history,
and key performance statistics — useful for competitive research or tracking your own app.
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In Aug 2020, I gave 5 stars with no review. Update Sept 2026: still 5 stars, still using the app as it informative and helps me stay aware of my credit and actions that make up the score.
★★★★★Chris E· Aug 21, 2026
The Experian app is easy to navigate through. I am able to see my score and ways to improve my fico score. It has suggestions to open credit cards, car insurance and personal loans to help you along your credit journey. I recommend the Experian app to friends and family.
★☆☆☆☆Precious Shyama· Sep 8, 2026
The most predatory app. It makes changing payment options almost as impossible as cancelling a subscription.
★☆☆☆☆James “007” Bond· Aug 21, 2026
Scam... Scam... Credit is artificial. Pay off credit - 2 pts. Make tiny payments get one point. Keep at 1% debt - Zero points. Get a new credit card 15 pts, maybe. Zero missed payments 0 pts. A.I. by Experian will say Fear Factor by Joe Reagan in the comments. 🤥
★☆☆☆☆Theresa B· Sep 4, 2026
I am very upset at this app. It keeps having technical difficulties. I tried to pay the subscription 6 times, and then it says, "we're experiencing technical difficulties"...it's been 6 months of the same thing. At this point I don't want the subscription- the credit scores aren't accurate anyways-been to several financial places and the credit score on here is completely different and not accurate-I am done. 👿 It won't even let me log in with password or fingerprint login. 💀
★☆☆☆☆Winry· Sep 4, 2026
1) The system won't let me reset my password because it doesn't recognize my phone number but keeps sending me text messages with the phone number that "doesn't match my records." 2) the AI assistant is useless and gives the incredibly helpful advice of "put in your phone number" repeatedly despite the fact it doesn't work.
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Trust & Safety: The app requests a broad set of permissions (location, camera, network state, notifications, etc.) to power credit monitoring, identity protection, and personalized offers. It integrates analytics and third-party services (e.g., Kochava, Datadog, Firebase) and includes standard terms, privacy policy references, and disclosures. Review permissions prompts and the Experian terms of use for transparency.
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