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Protect your credit with 24/7 monitoring and alerts
Experian CreditCenter™ helps you take control of your credit health with 3-bureau credit reports and premium resources for making better financial decisions.Monitor your credit
Premium, industry-leading tools that go beyond free credit monitoring.
Easy credit monitoring and protection for your busy life.
Use the power of Experian to help protect your financial future. Receive real-time alerts about potentially fraudulent activity.
Stay up-to-date 24/7
Easily access your Experian CreditCenter dashboard any time of day or night to view updated factors impacting your credit as well as VantageScore* tracker and tools to help you monitor ongoing activity.
A dedicated team of Credit and Fraud Resolution Agents give you personalized support for issues with credit fraud and are available 7 days a week until the issue is resolved.
Take charge and protect your credit
Experian CreditCenter provides daily credit monitoring and support to help protect you against fraud
What you get:
One-stop credit monitoring of your Experian credit report
Instant updates when key changes occur to your Experian credit report
3-bureau report and VantageScores*
Annual 3-bureau credit report and VantageScores* from Experian**, Equifax and TransUnion
Fraud resolution support
24/7 support from U.S.-based Fraud Resolution Agents to help you recover from credit card fraud
Simulations to see how financial decisions affect your VantageScore*
Monthly tracking of your VantageScore* with a convenient graph
Activity and variance alerts
Alerts you of positive changes and when your VantageScore* changes by five points or more
Credit limit & usage alerts
Alerts you when debt is paid off, credit limits rise and utilization rates improve
*Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0.
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
**Your 3-bureau reports and VantageScores are eligible for annual updates. Your Experian VantageScore is eligible for monthly updates.
Experian CreditCenter is compatible with all modern web browsers. There is no download required.