Experian 4.1.20

Experience the benefits of managing your credit and finances with Experian. Sign up for a free Experian membership and gain access to your Experian credit report and FICO® Score without the need for a credit card. Our comprehensive services go beyond just providing you with your credit information.

With Experian Boost®, you can instantly raise your FICO® Score* by including bills you already pay, such as cell phone, utilities, video streaming, and eligible rent payments. This innovative feature helps you improve your credit without taking on additional debt.

Looking for a hassle-free checking account? Consider opening an Experian Smart Money™ Digital Checking Account. Not only is it FDIC insured, but it also comes with no monthly fees or minimum balance requirements. See the terms and conditions at experian.com/legal for more information.

Here is what you can expect when you join Experian:

• Experian credit report and FICO® Score*: Check your FICO® Score and credit report anytime, anywhere. Don't worry—checking won't impact your credit score. Review the factors influencing your score and access actionable tips for better credit.
• Experian Boost®: Boost your FICO® Score* using bills you already pay. Including these payments in your credit history can lead to an improved score.
• Experian Smart Money™: Our digital checking account connects directly to Experian Boost®, helping you build credit without accruing debt.
• Credit monitoring: Stay informed about changes to your FICO® Score*, new accounts opened in your name, and additional inquiries on your credit report through push notifications.
• Money management: Consolidate your finances by connecting external bank and credit card accounts. Access all your income, transactions, and balances in one convenient place.
• Marketplace^: Receive personalized recommendations for credit cards, loans, and auto insurance options tailored to your unique credit profile.

Upgrade to premium benefits and enjoy even more advantages:

• Bill negotiation & subscription cancellation**: Let our experts negotiate your bills to secure the best prices. We can also assist with canceling subscriptions you no longer require, saving you both time and money.
• Experian CreditLock***: Protect your credit file against identity theft by locking it. We'll send you real-time alerts if someone tries to apply for credit in your name while your file is locked.

For full details, please refer to the Terms of Use Agreement, Privacy Policy, Cardholder Agreement & Disclosures at experian.com/legal.

Please note that Experian is not a bank. The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB) under a license from Mastercard International. CFSB provides banking services, while Experian acts as the Program Manager.

To qualify for the $50 bonus, you must credit your Experian Smart Money™ Digital Checking Account with at least $1,000 in direct deposits within 45 business days of opening the account. Your account must remain active and in good standing when the bonus is paid. The bonus will be deposited within 10 business days once earned. Terms and conditions apply; refer to experian.com/legal for more information.

Please note that results may vary with Experian Boost®. Not all payments are boost-eligible, and not all users will see an improved score or approval odds. Additionally, not all lenders use Experian credit files or scores impacted by Experian Boost®.

Have confidence in your credit score and remember that the credit score calculated is based on the FICO® Score 8 model. Lenders or insurers may use different FICO® Scores or alternative credit scoring models altogether.

Results for bill negotiation and subscription cancellation may vary. Not all bills or subscriptions are eligible for negotiation/cancellation, and savings are not guaranteed for everyone.

Experian CreditLock is a separate service from Security Freeze, available at experian.com/freeze/center.html. Learn more about the differences between these features at experian.com/blogs/ask-experian/whats-the-difference-between-freezing-or-locking-my-credit/

Please be aware that approval is not guaranteed with our Marketplace feature, and individuals may not always experience savings from improved interest rates. Availability of offers may vary by state.

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