Experian review

Experian is the only bureau here that gives a FICO Score on its free plan. The $0 tier needs no credit card and shows your Experian credit report next to your FICO Score 8, along with the factors that move it. Experian Boost, included on every plan, lets you add on-time payments for utilities, phone, streaming, rent and insurance to your Experian file. The paid ladder is easy to read: Core at $4.99 a month adds industry FICO Scores for mortgage, bankcard and auto lending, a FICO Score Simulator and up to $100K in identity theft insurance. Plus at $14.99 adds money tools such as Experian Cash advances of $25 to $250 and up to $500K of insurance. Premium at $24.99 adds Equifax and TransUnion reports with FICO Scores and up to $1M of insurance. The main limit is that full three-bureau coverage costs $24.99 a month, and the free plan watches only one bureau.

Who it is for

people who want a free FICO Score and a clear upgrade path

Price

Free plan with Experian credit report and FICO Score; Experian Core from $4.99 per month, Plus $14.99, Premium $24.99.

Core $4.99 per month
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Free plan shows your Experian credit report and FICO Score 8 together
• Experian Boost on every plan adds utility, phone, streaming, rent and insurance payments to your Experian file
• Core adds industry FICO Scores for mortgage, bankcard and auto lending plus a FICO Score Simulator
• Premium adds Equifax and TransUnion credit reports with FICO Scores
• Identity theft insurance up to $100K on Core, $500K on Plus and $1M on Premium

Strengths and weaknesses

• Strength: FICO Score 8 is included on the $0 plan with no credit card required
• Strength: Experian Boost is free on every tier
• Strength: Paid tiers start at $4.99 per month
• Weakness: Equifax and TransUnion reports are reserved for the $24.99 Premium plan
• Weakness: Free plan has no identity theft insurance
• Weakness: Experian Cash advances are only on the Plus plan

Key facts

• Free plan: Yes, Experian report and FICO Score
• Cheapest paid plan: Core, $4.99 per month
• 3-bureau plan: Premium, $24.99 per month
• Score model: FICO Score 8 unless noted

Where it ranks

Experian is No. 1 in our Best Credit Score Apps verdict.