Experian is a leading credit monitoring system that aims to help people understand their credit score and take control of their financial health. The Experian mobile app for Android, with the app's ID being com.experian.android, allows users to view their credit score and report, receive alerts regarding any changes, and monitor credit utilization. In this review, we will take an in-depth look at the features, pros, and cons of the Experian app.
Features
Credit Score and Report:
The Experian app provides a detailed and accurate credit score that is updated every 30 days, along with the credit report that shows the factors affecting the score. This feature enables you to track your score over time and see what has caused its fluctuations.
Credit Monitoring:
The app sends alerts when there is any significant change in the credit report, such as when a new account was opened or a hard inquiry was made. Moreover, it allows you to monitor credit utilization, which is one of the most crucial factors contributing to your credit score.
Dark Mode Support:
The app supports dark mode, which enables users to use it comfortably while saving battery life and reducing eye strain.
Identity Theft Protection:
The app comes with built-in identity theft protection, which helps in detecting fraudulent activities such as unauthorized new accounts.
Pros
User-Friendly Interface:
The app's user interface is sleek and intuitive, making it easy to access all of the features. The layout of the app is well-organized, allowing you to navigate easily from one function to another.
No Advertisements:
The app is entirely free of advertisements, ensuring that the user experience is free from interruptions.
No Credit Card Required:
You do not need to input a credit card in order to use the app, which is a relief considering the sensitive information associated with a credit score.
Cons
Limited Free Features:
The free version of the app comes with limited features, and to access full functionalities, you must pay for an Experian membership.
Accuracy:
The credit score provided by the app may differ slightly from the one calculated by lenders or other financial institutions.
Comparison
Compared to similar apps like Credit Karma or CreditWise, the Experian app provides a more detailed, accurate, and frequent credit score and report updates, along with dark mode support and built-in identity theft protection. The Experian app also does not display advertisements, enhancing the user experience, although it has limited free features compared to the other two apps.
Tips for Using the App
Set up alerts so that you can receive notifications whenever there is a change in your credit score or report.
Review the factors listed in your credit report that affect your credit score, such as payment history or credit utilization rate, to better understand how to improve your score.
Consider opting for an Experian membership if you are interested in utilizing all of the app's features.
Conclusion
The Experian app for Android provides a reliable and user-friendly way to monitor your credit score and report, receive alerts about any changes or fraud, and keep track of your credit utilization. Despite some limitations in the free version and occasional discrepancies with lenders' credit scores, the app's accuracy is impressive. Thus, we highly recommend the Experian app for people looking to take control of their financial health and effectively monitor their credit over time.
Updated 05-11-2023
Overview
Experian is a leading credit monitoring system that aims to help people understand their credit score and take control of their financial health. The Experian mobile app for Android, with the app's ID being com.experian.android, allows users to view their credit score and report, receive alerts regarding any changes, and monitor credit utilization. In this review, we will take an in-depth look at the features, pros, and cons of the Experian app.
Features
Credit Score and Report:
The Experian app provides a detailed and accurate credit score that is updated every 30 days, along with the credit report that shows the factors affecting the score. This feature enables you to track your score over time and see what has caused its fluctuations.
Credit Monitoring:
The app sends alerts when there is any significant change in the credit report, such as when a new account was opened or a hard inquiry was made. Moreover, it allows you to monitor credit utilization, which is one of the most crucial factors contributing to your credit score.
Dark Mode Support:
The app supports dark mode, which enables users to use it comfortably while saving battery life and reducing eye strain.
Identity Theft Protection:
The app comes with built-in identity theft protection, which helps in detecting fraudulent activities such as unauthorized new accounts.
Pros
User-Friendly Interface:
The app's user interface is sleek and intuitive, making it easy to access all of the features. The layout of the app is well-organized, allowing you to navigate easily from one function to another.
No Advertisements:
The app is entirely free of advertisements, ensuring that the user experience is free from interruptions.
No Credit Card Required:
You do not need to input a credit card in order to use the app, which is a relief considering the sensitive information associated with a credit score.
Cons
Limited Free Features:
The free version of the app comes with limited features, and to access full functionalities, you must pay for an Experian membership.
Accuracy:
The credit score provided by the app may differ slightly from the one calculated by lenders or other financial institutions.
Comparison
Compared to similar apps like Credit Karma or CreditWise, the Experian app provides a more detailed, accurate, and frequent credit score and report updates, along with dark mode support and built-in identity theft protection. The Experian app also does not display advertisements, enhancing the user experience, although it has limited free features compared to the other two apps.
Tips for Using the App
Conclusion
The Experian app for Android provides a reliable and user-friendly way to monitor your credit score and report, receive alerts about any changes or fraud, and keep track of your credit utilization. Despite some limitations in the free version and occasional discrepancies with lenders' credit scores, the app's accuracy is impressive. Thus, we highly recommend the Experian app for people looking to take control of their financial health and effectively monitor their credit over time.