Manage Your Experian Credit Report
Your Experian credit report is one of the three most important credit reports you have. Because you never know which credit report a creditor or lender is going to check, it's important that you manage all of them.
Order Your Credit Report
There are a few ways you can order your Experian credit report.
- For free from www.annualcreditreport.com. Federal law grants you one free copy of your Experian credit report each year. You can also order your annual Experian credit report by calling 1-877-322-8228 or by mailing a request form (Adobe viewer is required to open the request form).
- You can view your Experian credit report through CreditKarma.com and CreditSesame.com - both are free services that do not require a credit card subscription or a trial period.
- You can purchase your Experian credit report, and FICO score directly from Experian for $19.95. Experian also offers a $1 credit report and credit score through their website if you sign up for a trial subscription for their credit monitoring service. If you sign up for the trial, make sure you cancel within 7 days before the trial ends to avoid charges for the service.
- If you order a 3-in-1 credit report from any of the online vendors, you'll receive your Experian credit report as well as your report from the other two major credit bureaus: Equifax and TransUnion.
You might discover errors on your Experian credit report after you receive it. The Fair Credit Reporting Act gives you the right to have these errors removed through a dispute process.
Your credit report will typically come with instructions for disputing errors. When you order your Experian credit report online, you'll be given a link that you can use to make your dispute.
You can also dispute credit report errors in writing. Write a credit report dispute letter, highlight the errors on your credit report, and send any supporting documents you have to Experian's credit report dispute address:
Experian Dispute Department
P.O. Box 9701
Allen, TX 75013
Send your credit report dispute letter via certified mail, so you have proof of when the letter was mailed. Once Experian receives your dispute, it has 30 days to investigate and correct your credit report or send the results of the investigation.
Fight Identity Theft On Reports
If you've been a victim of identity theft, it's important that you let Experian know so they can flag your credit report and alert the other two credit bureaus. A fraud alert lets anyone who pulls your Experian credit report know they should take extra steps to confirm your identity. Fraud alerts generally last 90 days or one year for active duty military who are sent overseas.
You can place a fraud alert on your Experian credit report online, over the phone by calling 1-888-397-3742, or by mail by writing P.O. Box 9532, Allen, TX 75013
An Experian credit report security freeze will lock your credit reports, preventing inquiries until you unlock it with a PIN or password. Call Experian or visit their website to get detailed instructions for freezing your credit report.
Checking Your Score
Your Experian credit score is based on the information in your Experian credit report and may be different from your credit scores with the other two bureaus. You can check your Experian credit score for free through CreditKarma.com and CreditSesame.com. You can also purchase an Experian credit score through Experian's website or through myFICO.com.