Your Credit Graded in a Snapshot

Get graded with your free credit report card. Your report card gives you a letter grade in each of the five key factors of your credit. You see at-a-glance where you stand. And you can drill down into each factor, so you can easily monitor what’s happening with your credit.

Free Credit Report Summary - Payment History

See your payment history?

Payment history is the record of when—and if—you pay your bills. And, it’s one of the main things that creditors look at. Payment history makes up 35% of your credit score—the biggest part. Your report card shows your grade, total late payments and more. See your payment history now »

See How You're Using Available Credit

How you use credit affects your credit score. Use too much and your score goes down. Your credit utilization ratio, or how much of your credit limit you use, makes up 30% of your credit score. Your credit report card shows your ratio, credit card debt, credit limit and how different factors affect your score. Get your debt usage now »

Free Credit Report Summary - Debt Utilization
Free Credit Report Summary - Number of Inquiries

Take a Peek at Your Credit's Age

Credit age, aka credit history, is the age of your oldest account, not how long you’ve used credit. Creditors want older credit histories. And older accounts are better for your score. Credit age makes up 15% of your score. See your credit history and the ages of the oldest and newest account on your credit report card. Know your credit age now »

See Your Account Mix

Revolving credit, installment loans and the mix of the two—student loans, auto loans, mortgages, etc.—make up 10% of your credit score. A good mix shows creditors you can handle different types of debts. See how many revolving credit accounts and loans you have in your free credit report summary. Check your account mix »

Free Credit Report Summary - Age of Accounts
Free Credit Report Summary - Account Mix

Know How Many Inquiries You Have

Every time you apply for a new credit card or loan, it can show up as a hard inquiry on your credit report. That’s true even for denied credit. And hard inquiries make up 10% of your score and can cause it to drop. Applying for credit too frequently is a red flag to creditors. When was your last inquiry? See how many inquiries you have and how long you’ve had them on your report card. Check your inquiries now »

See Why—and How—Your Score Changed

If you want the details of why your score changed, it’s all there. Simply select “See details” for “Why did my score change” to see the historical view of your credit score—and what’s changed it.

Free Credit Report Summary - Age of Accounts

See Your Credit Score for Free in the Mobile App

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Why helps you take control of your finances and show you how to turn your fair credit into good credit or your good credit into excellent credit.

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You Get Your Score and a Personal Graded Credit Report Card

When you sign up for your account, you get your free Experian VantageScore 3.0 credit score. And your score updates every 14 days. Your Experian score is available only from and Experian itself. And it’s only free from

Your account doesn’t stop at your score. You get graded for the five main factors that go into calculating your credit score – payment history, debt usage, credit age, account mix and credit inquiries. Each grade lets you know how you’re doing. Dig into each grade to find out the details of what is affecting them.

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Educate Your Way to Financial Control

Credit is confusing. Knowing your credit score is only half the battle. That’s why offers free, personalized tips and articles tailored to your credit score. Take control of your financial well-being by learning how to improve your credit score.

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Receive Personalized Offers

Your credit score affects the loans and credit cards you qualify for. To save you from lots of legwork, includes cards and loans that you’re more likely to get approved for. You can see your best options and apply right from within your account. If you’re ready to apply for loans or credit cards specific for your credit score, just sit back— will do the work for you.

Monitor your credit score - free.

Access from Anywhere offers a free mobile credit app for both iOS and Android. You can access your account to your credit score and credit report card whenever you want, wherever you go. If you’re on the go when your score and report card update, simply use your smartphone to see what, if anything, has changed. How convenient is that?