A good credit score is the equivalent of a clean driving record, because you will either benefit from it or be haunted by it.
Your credit score will affect almost every aspect of your financial future. Potential landlords, banks, loan lenders and credit card companies are likely to check your score.
If you need a loan for anything ranging from home improvements to a mortgage for your first house, you will need a high credit score to be approved for a lower-interest loan.
Experian is one of the three major credit bureaus in the U.S.
According to Experian, here are the credit score ranges:
You can sign up with Experian for one of 5 plans that range from $9.99 to $24.99 per month.
When you join any of the plans, you will get free access to your credit report. It’s a wise idea to keep an eye on your score, because many factors can cause it to fluctuate.
You will also get credit monitoring and alerts. Experian will track your credit report and alert you with email notifications when key changes occur. Credit monitoring can help you detect possible identity fraud sooner and prevent surprises when you apply for credit.
A new feature on Experian is giving you a way to raise your credit scores instantly. You can get credit for your phone and utility bills by adding positive payments to your Experian credit file. This is a notable perk to Experian membership. Other services such as credit repair companies could cost you thousands of dollars and only help remove inaccuracies from your credit report.
Experian does not offer customer support through live chat online, but they do offer an email and a phone number.
You can email Experian by selecting “Contact Experian” on the help menu, or by selecting their email link, [email protected]
But the best way to contact Experian is to use their toll-free phone number, 1-888-397-3742.
Keeping track of your credit score should be a regular part of your financial plan. Experian offers good rates for membership, and is easy to contact via a toll-free phone number.