Experian Reviews 91,619

Can someone tell me why the rating is affected when all bills are paid on time? The ratings move when just small amounts of money are borrowed. I largely disagree with this if all bills are paid and up to date.
It’s encouraged by the business world to borrow money, then the credit companies punish you for borrowing. What is the story with this set up?

4 bills were removed from my boost and drastically dropped my score 60 points from experian and nearly 45-50 points equifax and trans union. Why were these removed?? How do I get them put back on?

My bills were found super quick and added for boost. I got a credit boost in like 5 minutes. Awesome

It boosted my score 40 points.

The company is very helpful. With multiple email addresses and credit cards they keep track of activities for me

I was surprised to see it shoot up over 15 points. Much appreciated before trying to apply for a new line of credit

It doesnt work. My bank account has neen attached for over a year it never finds any bills. Which there are plenty . T-Mobile , sling TV, comed, rent etc .....

I love getting accurate and detailed feedback

Easy to use and very informative. Truly keeps me up to date.

Having Experian has made my life so much easier and more secure. No one can access my account unless I unlock it. I have identity theft coverage. It has allowed me to track and improve my credit score. As well as correct any errors. Experian has made my life easier and it is an account I will always have!!

Boost gets you the higher credit score just by letting Experian monitor your payments progress.

It’s a good app to help monitor your FICO score

Helping hand

It's very easy to do. Thank you

Can never get through I updated my contact information but there still asking for an email I don’t own and a phone number I never had it’s no wonder there is so much fraud on my account and you try to verify the information is false they won’t follow the law they just side with the business cause they pay for access there as crooked as the fraudulent businesses on my account follow the law.

I am able to keep track of my credit score and take a look at my spending habit.

(Update 2/3/2026): Experian has used designations meant to extend for meaningful investigation on CFPB complaints to instead avoid a deadline for response. This is a pattern of misconduct and a general disrespect for the Fair Credit Reporting Act.

This company is terrible. Experian continues to furnish materially false data that another major CRA (TransUnion) has already deleted. During CFPB proceedings, Experian made materially false representations, claiming the account was removed when, in reality, the creditor changed names mid-dispute, creating the illusion of removal while the tradeline remained active.
They also marked several related CFPB reports as "victim of fraud" but did not make any actions against the fraudulent reporting.
This is not a clerical error, it is misleading dispute handling, and they know it.
As a licensed life insurance agent, I am trained in fiduciary duty, regulatory compliance, and good-faith consumer handling. Experian’s conduct here reflects systemic failures in investigation, transparency, and accuracy, and appears designed to rely on automation rather than lawful reinvestigation.
Consumers should be *extremely* cautious relying on Experian to protect their credit files.

Easy to use.