Experian CreditCenter

It's quite common to overlook the state of your credit, particularly in our fast-paced daily routines that leave little room for us to focus on it. However, with Experian CreditCenterTM, you can access the support necessary to address potential credit fraud threats and ensure efficient credit monitoring.


VantageScore®* is a credit score developed jointly by Experian®, Equifax® and TransUnion®. This score uses the same formula across all three credit reporting agencies, resulting in a more accurate and consistent picture of your credit history. *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.

Credit report time rage

With Experian CreditCenter you're eligible for annual 3-bureau credit reports. Your credit report includes data beginning from the date your credit file was first established. This could span more than 25 years.

Diferences between scores

Each credit-reporting agency generates a VantageScore* derived from what is reported about you. A creditor may report to one, two or all three of the national credit bureaus. As a result, the information one credit bureau has may be different than another, resulting in a different VantageScore*.

Mistakes on credit score report

In some cases, the credit-reporting agency may commit errors on your report - the incorrect information may simply be a mistake. However, an error on your credit report could indicate that fraud has occurred. If you see incorrect information on your credit report, please contact Experian® at (877) 774-9410.

information about VantageScore®

VantageScores* can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different scoring model than VantageScore* to determine how you score.

VantageScore® Credit Score Updates

Score Plotter plots your credit score for the past 12 months.

Experian CreditCenter working hours

We are available 24 hours a day, 7 days a week, 365 days a year. Give us a call at 800-575-5206

No information about the credit score

Credit scoring models cannot generate a score without enough credit information. If you have little or no credit history, you probably won’t have a credit score available yet.

Changes in VantageScore® credit score

With Experian CreditCenter you're eligible for a monthly refresh of your Experian® VantageScore and annual refreshes to your TransUnion® and Equifax® VantageScores*. Every reported item on your credit report is used to calculate your VantageScore®*. If your score has changed significantly since the last month (or year), it may be due to the fact that an account was not reported for the month or an item has been added to or removed from your report. Drastic changes in account balances and opening new lines of credit could also significantly impact your VantageScore*

VantageScore®* that ​Credit Score Updates charts related to a specific bureau

Credit Score Updates charts your Experian® VantageScore* on a regular basis, but will also display any scores associated with your account from your credit report.