Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Is it worth paying for

Experian®

60
Value score / 100 Worth paying? No Skip it

Experian is a useful app for credit monitoring and building, offering valuable insights and fraud protection, but it is plagued by significant issues with customer support, persistent marketing, and a problematic paywall that locks users out of their accounts.

Free to download seen up to $721 4.8★ lifetime (2,669,139) since 2016

Experian is generally praised for its credit monitoring, alerts, and tools for improving financial health, with many users finding it informative and helpful for building credit. However, numerous complaints highlight non-existent customer support, aggressive marketing, and a paywall that prevents access to the app after canceling a subscription, making the paid version a poor value.

Free vs paid

The free version of Experian allows users to monitor their credit score, receive alerts, and understand factors affecting their credit R3R4R11R12. Some users report being able to use the free version since 2019 R15. The paid subscription, which can cost $25 a month ($300 a year), is criticized for offering no additional features compared to the free version R15. A major issue is that once a user subscribes and then attempts to cancel, the app may prevent them from logging in without paying again, effectively locking them out of their account R7R15R127. Paid features like identity protection and credit freezes are also reported to be paywalled R129. Some users claim that banks offer similar services for free R56.

Value complaints

  • The app forces users to pay to log in or access their account after canceling a subscription, effectively locking them out.R7R15R127
  • The subscription is considered not worth the cost, with no added features compared to the free version, and similar services are available for free from banks.R15R56
  • Users report being unknowingly signed up for subscriptions or charged after canceling a trial, with difficulty in getting refunds or canceling.R42R83R115R130
  • Essential features like controlling credit freezes or viewing all three credit scores are paywalled, despite free alternatives existing.R80R118R129R197
  • The app uses dark patterns, pop-ups, and subscription prompts that can confuse users into accidentally subscribing.R172

Where it delivers

  • The app is highly informative and helpful for understanding and monitoring credit, making financial decisions, and staying on top of financial health.R3R4R11R13
  • It provides accurate credit scores and helps users track changes within a 30-day window.R12R78
  • The app offers helpful alerts and safety notices, including fraud protection, which have successfully prevented fraudulent activities.R13R24R33R49
  • Many users have experienced significant credit score improvement over time by using the app's features and information.R16R28R34R46
  • The app is considered easy to use and navigate by some users.R4R43R53R62
Worth paying if

It is not worth paying for Experian's subscription services, as multiple reviews indicate that the paid version offers no significant additional features compared to the free version and creates issues with account access upon cancellation R15R56.

Skip / stay free if

You should skip paying for Experian if you expect responsive customer support, as many users report non-existent or unhelpful support R1R8R14R23. You should also skip paying if you are sensitive to constant marketing and notifications, as the app is criticized for excessive push notifications and ads even with settings turned off R6R47R68R81. Furthermore, if you are concerned about being locked out of your account or having difficulty canceling subscriptions, you should avoid the paid tier R7R15R56R83.

Evidence note: The reviews show a strong dichotomy between users who find the free features valuable for credit monitoring and those who are extremely frustrated with customer service, app glitches, and predatory monetization practices. The lifetime rating is high, but recent reviews frequently highlight the negative aspects.

Frequently asked

Is the Experian app free to use?
Yes, the Experian app offers a free version that allows users to monitor their credit score, receive alerts, and access tools for financial health R3R4R11R12.
How much does Experian's premium subscription cost?
Experian's premium subscription is reported to cost around $25 per month, totaling $300 annually R15R35.
Can I cancel my Experian subscription easily?
Many users report significant difficulty canceling their Experian subscription, with some claiming there is no option to cancel within the app and others being locked out of their accounts after attempting to cancel R7R15R56R83.
Does Experian have good customer support?
No, customer support for Experian is frequently described as virtually non-existent, unhelpful, or difficult to reach, with many users reporting issues with AI-only assistance and inability to speak with a live agent R1R8R14R23.
Does Experian send a lot of marketing notifications?
Yes, many users complain about receiving constant and excessive push notifications advertising credit cards, loans, and other financial products, even after attempting to disable them in settings R6R47R68R81.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R7] 3/5 · US Okay: The app is OK. I just don’t like the fact that I can’t log into my account. If I decide I don’t wanna continue to pay for the membership anymore. It won’t allow me to login without paying which is ridiculous to me.
  2. [R15] 1/5 · US Unusable if not paid: I used the free version since 2019. I decided to try out the subscription, and its not worth the $25 a month ($300 a year mind you) there’s no features added. Now, the problem is I went to cancel it, and I cannot open the app without paying $25. There’s no option to cancel. No human support. So I deleted it. And your emails are spam now. Thanks for nothing.
  3. [R127] 1/5 · US PAY OR SIGN OUT: cant sign in because i wont pay their subscription thats basically worthless and impossible to cancel the membership .. customer support is terrible
  4. [R56] 1/5 · US Don’t waste your money!: If you subscribe once in order to cancel you’ll have to pay the $24.99 again right after oh and all the “services” they offer in a subscription your bank offers FOR FREE. LITERALLY A SCAM. The worst app on the planet. OH YEAH and your credit scores will never actually be accurate.
  5. [R42] 3/5 · US Do read: The app has potential to give you all the information you need but, they sneak in a monthly premium you pay, and dont tell you about it until you notice if on your bank statements.
  6. [R83] 1/5 · US Predatory!: Experience keeps charging my credit card every single month. I can find no way anywhere to cancel any subscriptions I may have. In fact I have not found any way to communicate or contact Experian at all. I have had to dispute the charges twice now. I will be opening a fraud case with my credit card provider. Beware!
  7. [R115] 1/5 · US Not honest: I joined this app to trial and canceled before the deadline and the company charged me anyway. I have documented proof of cancellation. Having to go through the hassle of having the rectify their “mistake” is ridiculous, use of my valuable time and makes me angry because these companies take advantage the hard working everyday person and I’m tired of the deceptive practices of these co
  8. [R130] 1/5 · US Thieves: They will “sign” you up unknowingly, not give you your money back, and ignore your email requests entirely. Do NOT download this app or input your information! Beware!! ***edit- I NEVER signed up for a trial. This was done without my knowledge. I am a banker and having been in the financial industry for 11+ years, that is the last thing I would ever do.
  9. [R80] 2/5 · US All 3 Credit Scores: Why would someone need to pay to see all 3 credit scores in one App when anyone with a brain would know all you have to do is get Credit Karma? Then it’s FREE. Paying for that shows that you are not a smart person.
  10. [R118] 1/5 · US Confused: App is a scam shouldn’t have a subscription to check out credit. For ADDITIONAL services? Yes. But to check my credit? No.
  11. [R129] 2/5 · US Everything identity paywalled: Can’t even control credit freezes without paying a monthly fee in app
  12. [R197] 3/5 · US Mostly good: App is very helpful but a lot of features being stuck behind a paywall isn’t always what users need
  13. [R172] 1/5 · US Dark patterns: Your app is overloaded with pop ups and subscription prompts to the point that it feels intentionally designed to confuse users. Older people and less tech savvy users can easily end up accidentally subscribing to services they never intended to sign up for. The experience feels manipulative, unethical, and extremely frustrating. It creates the impression that the app relies on dark
  14. [R3] 5/5 · US Amazing App: This app is so informative and helpful to understand my credit and it helps me make the best decision in my financial life
  15. [R4] 5/5 · US Love this app: The app is easy very helpful for me to stay on top of my finances and financial health.
  16. [R11] 5/5 · US Above and beyond: Very wonderful service for credit building and reviewing,monitoring is completely essential
  17. [R13] 5/5 · US The Experian App - Like: The App comes in handy it keeps me informed about what’s going on with my credit 24/7 alerts.
  18. [R12] 5/5 · US Great app for monitoring credit score: Great app for tracking my credit score accurately and see my changes within a 30 day window; however it’ll still be great if I could see a break down or scale to strive for when checking things like credit history for example: How would I know what very good looks like versus fair when all I have to go off is a percentage and not a frame of reference to matc
  19. [R78] 5/5 · US Great: I enjoy the Experian App. I can view my credit score and credit cards that match my credit profile. All for free
  20. [R24] 5/5 · US Consumer Review: THE EXPERIAN MOBILE APP is an excellent way to keep an eye on your credit and to safeguard fraud. I highly recommend it. Five Stars Plus Rating from this consumer, Thank You!
  21. [R33] 5/5 · US Saved my credit: Some scammer have tried to apply credit from Ashley furniture thanks EXPERIAN stoped them ;THANK YOU EXPERIAN you saved me
  22. [R49] 5/5 · US Stay on track: Experian has helped me regain control of my credit. The safety notices are extremely helpful. I’ve tried several entities promising to help increase your score…this is the only one to deliver.
  23. [R16] 5/5 · US Mission Accomplished 🙌🏾!: Eight years ago, due to the affects of divorce, job loss, financial mismanagement, and an overall ignorance of how to effectively manage my credit profile, all of my FICO scores were in the low to mid 400s. Armed with an unwavering resolve to improve and sustain my condition over time, I incorporated this app as a critical and ongoing part of that process. Faith, consiste
  24. [R28] 5/5 · US Best credit app out there: I had no credit, using this app was a no brainer. After a few months of paying off my Phone bill with my opensky prepaid credit card my credit went from nothing to 500 and now 2 years later I’m at 751! I pay all my bills on time, I got a car loan recently which shot my Credit up and every month I pay on time it will go up slowly. Hardest thing to master is the time of ha
  25. [R34] 5/5 · US .: Best App to build your credit score
  26. [R46] 5/5 · US 10 Years of Trust and Real Credit Progress: I’ve had the Experian app for about 10 years, originally after my personal information was exposed in a cyberattack. What started as a tool to help me monitor my credit became one of the most useful financial apps I’ve ever used. Over the years, Experian has helped me stay informed, catch alerts, understand what affects my score, and use helpful credit
  27. [R43] 5/5 · US Woman5: Very simple & helpful
  28. [R53] 5/5 · US Easy: Good app to keep informed on credit history
  29. [R62] 4/5 · US App: Quick to the point. Not a lot of junk on app.
  30. [R26] 5/5 · US Looking good: Appreciate not having to purchase what is already mine
  31. [R35] 4/5 · US How much it cost.: I can’t afford $25 every month to find out my credit score.
  32. [R1] 1/5 · US Horrible experience: Customer support is virtually non-existent
  33. [R8] 2/5 · US Patricia johnson: Locked out need number to have fixed
  34. [R14] 1/5 · US No service: There’s no way for me to sign in and they offer absolutely no help. It always says something is wrong even though I just made it and if I try to sign in my my phone it just doesn’t send the code
  35. [R23] 1/5 · US FRAUDULENT!!!: They refused to let me create an account, and then hung up on me when I tried to contact them to see why!!!!!!
  36. [R6] 1/5 · US The spam is coming from inside the house: Holy heck. I installed Experian app to monitor my credit, not to be constantly marketed to. Nearly every day I receive push notifications advertising credit cards, loans, and other financial products I never asked for. The irony is that a company whose business is built around consumers’ financial health won’t stop trying to sell them more debt. Before
  37. [R47] 2/5 · US Only good for checking score: They need to provide more detailed information on credit score changes. The app shows score drops and increases and tells you next to nothing about them - so it’s unhelpful. It has broad and general assumptions about why a score may have changed. Experian’s benefit is that it shows a credit rating number and that’s it pretty much. They also display advertising excessi
  38. [R68] 1/5 · US Notifications: Pointless daily notifications with no way to turn them off. Better to silence the whole app. Garbage settings
  39. [R81] 1/5 · US Too many notifications: I am getting spam daily by experian with upsell and ads and have not found the way to disable those notifications and only keep the important notifications. This is spammy and unacceptable

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store