Using Experian's free credit score app

Quick answer: The Experian app lets you view your Experian Credit Score and Experian Credit Report for free, keep an eye on changes, and see what makes up your score. It’s free to download on Android and iOS, with optional paid upgrades if you want more.

If you’re looking for a credit score app, the Experian app is a good place to start. In fact, it’s the UK’s number one credit score app.

It gives you a free view of your Experian Credit Score and your Experian Credit Report and helps you understand your credit score over time. This guide covers how to download the app, what you can do inside it, and how it can help you get to grips with your credit health.

Get the app

Download the Experian app and create a free Experian account to view your Experian Credit Score and Report. Get it on Google Play or the App Store.

What is the Experian app?

The Experian app is Experian’s free mobile app for checking your credit. It’s where you can see your Experian Credit Score and your Experian Credit Report, track how they change, and get a clearer picture of how lenders are likely to see you.

It’s free to download, and the core features, your score and your report, are free to use with a free Experian account. You can install it on a phone or tablet and log in whenever you want to check in on your credit.

What can you do in the Experian Credit Score app?

Quite a lot, even on the free version. Here’s what’s included in the app with a free Experian account:

• Your Experian Credit Score — free, and updated monthly when you log in. It’s given out of 1250, so a higher score means a better chance of being accepted for credit, often at better rates. New to this? Our guides explain what a credit score is and what counts as a good credit score.
• Your Experian Credit Report — your financial track record, the same information lenders check. You can also see who has access to your credit report.
• Your score breakdown — a breakdown of the factors behind it, plus guidance on what affects your credit score.
• Monitor changes — see your credit score history and how your score moves over time.
• Experian Boost — which could raise your score instantly.
• Compare credit cards, loans and mortgages — see the offers you’re eligible for, with your approval chances shown before you apply.

Remember you can check your score as much as you like. Checking it won’t affect it, or your chances of getting credit.

The free Experian app covers checking and understanding your credit. Optional paid plans, CreditExpert and Identity Plus, add extras like daily updates, fraud and web monitoring, expert support and the ability to lock your credit report, which helps limit criminals’ ability to take out credit in your name.

If you’d like help choosing, Experian has a guide to which product is right for you.

How to download the Experian app

The Experian app is free to download on both Android and iOS:

• On Android, download it from Google Play.
• On iPhone or iPad, download it from the App Store.

You can also search for ‘Experian’ in your app store. Once it’s installed, open it and create a free Experian account, or log in if you already have one, to see your Experian Credit Score and Experian Credit Report. Setting up an account only takes a few minutes.

Is the Experian app free?

Yes, the Experian app is free to download and free to use. With a free Experian account, you can always check your Experian Credit Score and see your Experian Credit Report for free, as often as you like. There’s more detail in our guide to whether Experian is free.

Some optional paid plans add extra features, but you never have to pay to see your score or report. So, it works as a free credit score app and a free credit report app, with paid upgrades only if you want them. If you’d prefer a one-off written copy of your credit file, you can also request a statutory credit report.

Can the Experian app help improve your credit score?

Yes, it gives you various tools that can help you improve your score.

The app can’t change your score for you of course, but it can help you understand it and spot things that might make a difference. You can see what makes up your score, track changes month to month, and get tips on how to improve your credit score.

Experian Boost is one feature that could help. It’s the only way to instantly raise your Experian Credit Score in the UK, and acts as a potential ‘credit score booster’.

You connect your current account, and Boost looks for positive patterns in how you manage your money — like regular council tax payments, savings, and digital subscriptions such as Netflix or Spotify. Find out more about how Boost can improve your score.

What’s the best credit score app?

There’s no single ‘best’ credit score app for everyone. The right one for you depends on whose data it uses, how clearly it shows your information, and whether it gives you your report and useful guidance as well as a score. A few things worth looking for:

• Trusted data from a credit reference agency
• Access to your full credit report, not just a score
• The ability to track changes over time
• Clear guidance on what’s affecting your score and how to work on it

The Experian app does all these things and more. It’s the UK’s number one credit score and report app, and it’s built on the UK’s leading and most trusted credit score. Not that we’re boasting or anything.

It’s worth knowing there’s no single universal credit score in the UK. Different credit reference agencies hold their own data and use their own scales, so the score you see in one app can differ from another. Our guide explains why your credit score can differ between sites. So rather than hunting for the single ‘most accurate’ number, it helps to check a score built on trusted data and to understand the report behind it.

FAQs

What is the most accurate credit score app?

There isn’t one ‘most accurate’ credit score app, because the UK has several credit reference agencies that each hold their own data and use their own scales, and some lenders use their own scoring too. Look for a credit score app that’s built on trusted data, shows your credit report, and explains what makes up your score. The Experian app gives you your Experian Credit Score and Experian Credit Report for free.

Is Experian a credit score improvement app?

The Experian app helps you understand and keep track of your credit score and report. It includes features like your score breakdown, information on what affects your score, and Experian Boost, which could help lift your Experian Credit Score. But whether your score improves depends on your own credit history and how you manage it over time.

Can I use the Experian app on Android and iOS?

Yes. The Experian app is available for both Android and iPhone. You can download it free from Google Play on Android or the App Store on iOS. It’s the same free Experian account whichever device you use, so you can log in and check your score and report on either.