Experian®: The Credit Experts

Easy to use and it’s a free app. I understand nothing is for free (they sell our info to 3rd parties) yet those 3rd parties, ie... banks, credit card companies already have our info so no harm to fowl. I just want to see my score when I want since we are using the snowball method of paying off our debt, this app lets me see the positive benefits of paying it down, highest interest rate card first is the plan. After the subprime market crash we relied too heavily on cards to keep our business afloat. We didn't lose our home, business is intact yet credit card debt needs to be addressed head on. We have tons of home equity yet with such a high income to debt ratio & both of us Independent contractors we cant qualify for a refi & cant get zero interest transfer cards to approve us, frustrating. YET. I do wish I could see all three credit scores which is a extra cost but not paying for anything we don't need until we can refi. Its a catch 22 situation but happy this app is available. I say try it!

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I called the fraud dept number listed regarding hard inquiries from someone applying for credit cards/credit in my name and it being put on my credit report multiple times even after I have a fraud alert. Well, when I called, they said the wait is 15 minutes. I waited on hold 40 minutes while being subjected to the same recording over and over about signing up with their fraud protection service. The lady said she could not help me and would have to transfer me to the fraud dept. I said I do not want to be on hold again for another 40 min. She said it would be only 15 minutes. Finally, when the lady came on phone after 22 minutes, she said sorry we wre closed. I said I had been waiting an hour and the previous lady or your message said nothing about about being closed after waiting so long. The lady did not even care. She said she would have to take number and call me back tomorrow. Very disappointed with a credit bureau who allows any credit to post false info to your report without requiring definite proof that it is really you. How is ths allowed? I already had a credit alert. Then it takes so much time to get this resolved. There should be stricter rules on creditors reporting to someone's credit file.

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Experian is the absolute WORST credit reporting agency and a _facilitator_ to fraud. Bunch of shills posting positive reviews, be aware. I’m a recent ID theft victim and I’m going through the aftermath of freezing and monitoring my credit. If the 3 companies, this is the only one that I cannot reach a human to resolve my registration issue. This app throws an error and advises you to call a number, which routes you to automated machines that tend to disconnect on you before you can speak to anyone. As others have faced, I’m still not able to register so that I can monitor my credit activities. Now back to the facilitator to fraud assertion, shortly after I noticed fraudulent accounts and credit applications were opened under my name, I ran credit report checks on all 3 reporting services. Of the 3, only Experian shows soft and hard queries were performed on my account, additionally the queries were performed by Experian or Experian-affiliated businesses. I truly believe there’s still backdoors in Experian’s network infrastructure that they have not patched since their last security breach. My advice is for you to find any and all ways to freeze/lock your experian reporting to prevent being an ID theft victim yourself.

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Downloaded this app to help improve my credit score. I locked my credit then unlocked it to try to apply for another credit card. Got a notification that the CC company couldn’t run a credit report because my Experian report was locked. It was not locked, I made sure of that. Had to search around for the number to talk to an actual person because the number they provide only gives you automated options. Finally got in the queue to talk to someone, waited 15 minutes and explained to the lady (who was clearly not from the US) and explained the situation to her. She answers with “there’s no lock on your credit,” so had to explain the situation AGAIN to her, which she then proceeds to check if there are any locks on my credit (SERIOUSLY?). As I’m trying to explain AGAIN the situation, the call drops. I get no call back from anyone and waited in line again for 10 minutes (and I’m at work this whole time) and decide to just hang up. PLEASE get better customer service. I don’t care if you outsource but if they can’t understand what I’m trying to explain, there’s a huge disconnect and it only make your customers even more frustrated.

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So I downloaded this app thinking it was my first time using it, but according to them it’s not, so I had to get my login info, which wasn’t hard. But everytime I sign in, it tells me to complete my registration info, which I do, but then once I finish that, it takes me back to the screen for me to sign in again, and then I just complete the same process over and over again. Tried contacting the customer service number on the app, but of course you can’t get through to ANYONE and instead you have to listen to a audio recording telling you the exact same thing that already isn’t working. When I tried to change my password again on the customer service line, they were supposed to email me a link to do so, which I have yet to receive. I’m like 95% sure that I’ve never even used this service before (I don’t have ANY emails from them, not even from the past when I search through my old emails) so the fact that I’m even going through this is baffling and the horrible customer service isn’t helping at all. It’s like it’s letting me sign in, but it’s not at the same time and just has me going in circles. Just stupid.