How to Get a Credit Report from Experian
Your credit report includes details about your finances such as loans, credit cards, overdue payments, collection agencies, and records of lawsuits, bankruptcies, and or foreclosures among others. This information is used in compiling your credit scores which is why it is important to review your credit report now and then to avoid such mistakes.
There are three big credit reporting agencies; they are Experian, Equifax, and TransUnion, all of which compile credit reports of every consumer. By the FCRA, you are allowed to receive reports from each of the bureaus once per year at the government-mandated site, AnnualCreditReport. com. This enables you to track your credit records with ease without being charged any fees. However, it is also beneficial to monitor these reports from each bureau at least several times a year.
However, you have other ways of obtaining the Experian credit report outside the free annual report offered through AnnualCreditReport. com. Experian has two products which are a credit report and credit monitoring that they sell to individuals directly on their website, and there are other two that are online but require more information from the consumer. The cost depends on the type of product being used for the particular advertisement.
Free Credit Report From Experian
In addition to your free annual credit report, there are a couple of other ways to obtain your Experian report for free:
- Experian Free Credit Report Trial: In the signed-up credit tracking service on Experian. com, you can get a free trial of Experian credit tracking for 7 days. This will allow you to have free full access to your Experian report of credit report and credit score within the week. But if, for some reason, you no longer want the service, the thing that they say ‘or get charged monthly,’ make sure to cancel the service before the seventh day to avoid being charged monthly.
- Experian CreditMatchTM: Just as its name suggests, CreditMatch, available to limited users of financial platforms such as VenmoTM, offers users free access to their Experian credit report and credit score. This is true because the process of enrolling depends on the platform chosen by a person.
Unfortunately, the options of the free trial of Experian credit report are very restricted, but using the possibility of the short trial in three credit reference agencies, you will be able to see the full version of the report at any time.
Experian Credit Report and Credit Score Products Allowed Paid
For more detailed and frequent access to your Experian credit report and credit scores, you have to subscribe to one of the services of the company.
Some of the common options include:
- Experian Credit Report Card Online: This gives an option to use the credit report and VantageScore credit scores via the internet. Currently, the service is offered at a monthly subscription of $24. 99.
- Experian CreditWorksTM Premium: This section provides credit reports from Experian, daily updated credit score service, customizable notifications, and identity theft protection. The cost of the service is $24. 99 for the month.
- Experian IdentityWorksTM: Offer daily credit monitoring, web monitoring, and identity recovery. The three different price plans offered are; $14. 99, $24. 99 and $29. 99 monthly.
- Experian BoostTM: Enables you to report positive bill payment history such as in phone and Netflix to the Experian credit reference site to attempt to boost your credit score. Pricing of this service is $14. 99/month for the basic plan.
The exact credit report and other features that are included with each subscription of Experian are different, and you can see more information on each on their website. However, do anticipate monthly access charges in a $15 – $30 bracket most of the time.
Purchases of Experian Credit Report in the Past 12 Months
If you don’t need ongoing credit monitoring from Experian but simply want to check your report once, you can purchase one-time access to your Experian report through options like these:
- Experian Credit Report: A one-time online credit report and score cost $39. 95
- Tri-Bureau Credit Reports: which costs $49. 95 for a credit report from each of the three major credit bureaus including Experian, Equifax, and TransUnion.
- FICO® Credit Score: $19. 95 for one FICO Score that is determined mainly by your Experian credit information.
The disadvantage of one-time report purchases is negative is that they will be free from monthly subscription charges. One thing you should always bear in mind is that the information provided will depict your credit status at the time that the report was prepared. If one wants to keep checking their score and report frequently, they may prefer a monthly subscription to get the updated information.
The procedure of obtaining your Experian credit report enables you to examine your credit profile and detect possible mistakes or any signs of activity that seem inappropriate. Although the website AnnualCreditReport. com provides only one free report from Experian per year, taking into account the trials and promotions concerning paid services can also help to receive more frequent check-ups and make sure that your credit record has no inaccuracies or is updated. It is imperative to monitor your Experian credit report as it affects your financial credit reputation.
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