Experian Aggregated Reviews

This is similar to bank bazaar who have tied up with experian. Experian credit score is usually higher by 3 to 9% compared to CIBIL. I’ve checked both for my entire family. Indian banks usually use CIBIL so this may not be of great use.
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I use the experian app and had a notification immediately after I applied.
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I checked my spam folder and found an email from Experian with some links to more top level domains that I don’t recognize. Clearly they haven’t learned anything from the breach about protecting customer data. Every step of the way I have had to put more personal data into random websites to access the identity protection service they offer.
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The main pitfall to services like this is that the score will be different than your ACTUAL FICO at Experian, TransUnion, and Equifax , which will be different from each other. It’s more good for a general idea of “my credit is in solid shape” or “my credit is fugly and I need to work on it” than an exact measure.
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No, they can’t check fraud alerts either. I had one put on my credit and even though other companies were able to check my credit with no issue for some reason Project Fi’s credit check couldn’t. After two calls, two chats, and an email inquiry, nobody at Fi I could give me any answers except to contact Experian directly. And then, when I called the number they gave me, there was no option whatsoever to talk to a live human being. I ended up giving up.
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For a long time I had student loans I couldn’t handle, so I just lived without credit. Those delinquencies are now past the 7 year mark (and I’ve rehabilitated the loans), so I can start building credit again. I have two credit cards, no missed payments, and zero utilization. I have no debt other than my student loans (which don’t show on credit reports anymore because they’re old). My VantageScore is over 700 with Equifax and TransUnion. Great, right?
Nope. I have a solitary collections mark, which I paid in full, but it still shows on my Experian FICO. It’s incorrectly dated to a few months ago, as well, which I think makes the impact worse. Bottom line: My Experian FICO is 620, which means I get turned down for everything.
This one mark is costing me like 65 points on my score. It’s a huge liability for a debt that I paid in full as soon as I found out about it. I called the company who reported the debt, with no help. I called Experian and asked to dispute the mark, but if that gets no results, is there any point to trying a firm like Lexington Law? I see stories of people saying they got countless marks removed, but considering I only have one bad one, do you think it’s worth a shot?
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You can get experian’s report for free also by signing up on the experian website.
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The last thing I would be doing is giving my information to even more databases and monitoring services. I’d opt out of as much of this as possible personally. I want fewer people having access to my info, fewer logins, fewer passwords, fewer servcies to keep track of. Credit Karma gives me access to my Equifax and Transunion reports and I can get my Experian once a year from annuallcreditreport. I think Amex may give me my Experian report as well. That’s plenty for me.
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I pulled my credit reports and it turns out there was a negative item that had just been added. A cleaning bill from my last apartment. I had moved out about 8 months ago. I never received the bill and it got sent to collections. I’m in the process of clearing that up now. As far as the letter goes, I’m still not sure that it was legit. I figured it could be a scam done by anyone who knew about the collection. It very well could have been real, but I still thought it was too risky to send my ssn and other personal info through the mail or give it over the phone to the number provided in the letter . So I went to annualcreditreport.com to get my reports (you can get one of each free once per year) then I filed a dispute with each credit bureau through their websites. Experian deleted it and I’m still waiting on dispute results from the other two. I’d say it’s safer to deal directly with known reputable websites and the credit bureaus. Then if there is an issue you can deal with them and the creditor to get it off your reports.
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Why? I tried credit savvy and their website is just full of spam and deals that are completely unrelated. Plus my file had barely anything in it, which i assume is because they use experian data. At least getcreditscore.com.au use Equifax file which has all my credit info in it, so is clearly much more accurate.
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In my experience, Experian is the credit bureaus most used by banks to review your credit, so I like knowing exactly what’s on that report. And as it turns out, Experian still shows an old bad/charged-off debt I have that Transunion and Equifax don’t list anymore for some reason, even though it hasn’t hit the 7.5 year mark to fall off. Sure, I wish Experian didn’t show it, either, but I’m really glad I signed up and can see it, as opposed to assuming that I’m in the clear. If I had relied solely on the FICO scores my banks & credit cards shows me for free (all Transunion info) or on Credit Karma, I’d think my credit score was much higher than what any new lender or creditor I apply to will likely find it to be. Honestly, I’m just glad I’m in the know with Experian.
Just as important (in my opinion) is that Experian shows me my FICO score based on their report. I am signed up for similar services with Transunion and Equifax , but Equifax doesn’t offer my score, and Transunion wants me to pay money to get my score. No way am I paying for that, so my Experian free service is definitely better than the other companies in that way.
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Got a 11 pt increase because of my electricity bill. I am so surprised. Would this affect any other scores or just experian
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It looks like the service will be opt-in since consumers grant permission for Experian Boost to connect to their accounts.
“After a consumer verifies the data and confirms they want it added to their Experian credit file, an updated FICO Score is delivered in real time. “
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If you want Experian to have your bank account information, this seems like a good way to accomplish that.
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Haven’t heard of it, but like you, I am extremely skeptical of anything Experian does. I would support a law requiring “opt in” credit scoring.
Possibly an unpopular opinion here, but I think that consumer credit (particularly the score) is a scam designed to trap unsuspecting people in a “sustainable” debt spiral. Unless you need to play their game in order to finance a major purchase, such as a house or car, why worry about your score? And if you do take out a loan, have a plan in place to pay it off as rapidly as possible.
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If you already have a decent score then Experian Boost won’t help you. It’s designed for people who don’t fit into the traditional scoring model and have mostly avoided credit.
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But at least you know your data is safe with Experian.
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…just connect your bank account
Wow, as if experian didn’t know enough about you already – now they’ll know how much money you have, where you shop, how you spend your money, and maybe just maybe your score will go up a few points…
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How may I improve my experian score? I pay my utilities on a timely basis
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Ive had my tmobile on autopay on my checking account for about 2 years now and their program doesn’t seem to detect it even after I manually copy and pasted the transaction/date into the Experian website
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Experian boost is NOT a scam
First I’d like to thank the poster who wrote about it being a scam as I’d never heard of the Experian boost service before.
After he made that topic, I signed up to try it out and after connecting my bank account, my FICO score went up 6 points immediately because it was able to upload my on time phone bill payments as eligible.
Awesome!
I’m considering doing this for my business checking account too.
Cool service and helpful to someone like me cuz my FICO is in the high 500s and I’m currently in the credit rebuilding process so every point counts!
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I would never use Experian Boost. It requires giving them your bank account password. That’s right, your bank account password. Now imagine they get breached à la Equifax after you’ve given them that.
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