Experian

They do their best to keep your score down. They ding you hard for minor bad news but ignore good news. They prefer to try and sell you new credit cards. Their credit simulator is inaccurate so don't trust what it says or what they say or do. Experian is morally bankrupt

I tried to select Zero stars but wasn't allowed. This is the worst service you can buy into. Please don't waste your money. The membership agents are horrid and unsupportive and don't understand the need to report correct information about creditors. In addition, the numbers are not accurate.the number that does online differs from what I received when I called in. I was also charged for a year fraudulently for someone else's membership and was told they couldn't credit me. Worst experience. Please go with Transunion or Equifax instead.

I have a 100% payment history and only 1 bad mark from years ago. They keep removing this charge and placing it back as new. Said to dispute and it won't hurt my credit. But they denied the dispute and then updated it on my report as new, so it keeps affecting my credit over and over. Keep placing it as new. My score keeps going down even though I just paid a few accounts off and paid down all of my other accounts. But they're quick to report a hard hit or more credit usage. But never the payments. When am I rewarded for my good credit behavior? My guess is when I make $300k a year. The changes they've made to the credit reporting has screwed those of us who don't make a lot, but still follow the rules. Fk u experian.

Someone stole my deceased mother's identity and I was trying to report the identity theft to the 3 major credit bureaus. Experian is by far the worst of the 3. The website is completely useless and helpless and the automated service on their hotline is worst automation I've ever encountered in my life. Having the line ring without any answer would have been 1,000,000x better and more useful. I would avoid Experian if at all possible.

Impossible to talk to an agent. They ask for your social security number right when the bot answers. If you are dealing with fraud, which I am, that is the last thing I want to give before I even talk to an agent.

They contradict their own verbage constantly. Not using enough credit they state then I respond make credit card purchases within 6-10% usage of available credit and then payed in full. Expirian rewards me by lowering my score by 11 points and then further their contradictory behavior by claiming this action doesn't effect my overall credit worthiness.
They purposely have metrics in place that throttle a person's ability to increase their score.
Once notified by credit karma that I was doing an excellent job staying within my 6-10 % credit card usage and Experian later in the day rewards me by lowering my score by one point.
Incredibly shady organization who work on behalf of banks and lower scores at random to garner higher interest payments for banks.

Why can't I file a dispute online anymore? Why change something that was efficient and fast? Now you want us to call and take up so much time for something that used to take seconds. You tell us to call and it is a nightmare to even get through to someone! I wish I didn't have to use this site.

I had applied for several credit cards on Experian and all of them were soft inquiries. However, today I applied for a Capital One card which denied me and it was recorded as a Hard Inquiry. I understand that these are advertisements. If Experian really cared about boosting your credit score they would not allow advertisers on their site that dings their customers with a Hard Inquiry. Customer Service said they could not remove it because it wasn't fraud. Experian cares more about making money off of these credit card companies and not so much about boosting the credit scores of their customers.

Absolute trash, you can't speak to a real person, it's nearly impossible to cancel ANYTHING. Would not recommend at all. They are not up to date with the times, they want you to mail everything, there's no simplicity.

Out of all the credit bureaus, Experian is probably the worse in terms of understanding English. I called a few times and the agents did not understand that my classification should be the same as my spouse if we were both found in the Equifax breach. Do you need a police report for that? I had to pay for a freeze whereas my spouse did not have to. All the agents did was furnish me a copy of my credit report, which I had and it is not what I asked for, which was to correct my classification so I wouldn't need to pay for a freeze or unfreeze.

My credit score is always 40-55 points less than the other two major reporting agencies. Response to my inquiry was less than stellar claiming they use different factors. But, agent couldn't or wouldn't disclose what those factors were and recommended I use their "BOOST" feature. Big deal, it raised my score 5 points. Most lenders I've worked with are aware of this issue and don't use them. To my knowledge their rating system has never affected my ability to get credit. You're better off just ignoring their service and don't spend your time or money on them. I always direct potentional creditors to check my Equifax and/or Transunion scores first.

On the website of the experian itself it says that it reports credit with itin number, but it is a lie, I already called them, because my credit is not being reported and they even say that they do not report to those who have itin number.

I would not keep paying for a service i don't get. Hence why i had to seek the expertise of private credit financial expert, webghost33 via instagrm. He helped removed my negative inquiries and cleared over $45k cc debt after i had become a victim of identity theft fraud. I'll tell you for a fact that freezing your credit is not just enough after a fraud related issues. Most credit bureau dont help clean up credit report as expected. Do better. My credit has since improved after seeking help elsewhere. Current score of 768.

Experian is a platform to scare you into a bogus membership. While they will send you constant emails, you will be ignorned when it serves you. They will disregard all important factors, questions, and resolutions unless it serves them. I have been frauded by a company that is suppossed to protect me from fraud. In fact, my membership jumped 17.04 a month without any notification. So, you contact them to resolve an issue and you are connected to an individual oversees that as no clue about anything. 100% a scam. Why would you pay them when Credit Karma is free!

I prepaid for a Budget car through Experian, went to the counter to pick it up, they did a "soft credit check," said I didn't qualify and was refused the car. According to CreditKarma, my credit score was 780 - very good. I asked for a refund and was refused. They said since I booked through Experian I had to request a refund through them. I went to Experian and was also refused. They are my travel agent, I prepaid, one of their contractors screwed me, but they didn't make things right. Experian and Budget are bad businesses.

I was signed up for a subscription - I definitely didn't begin any sort of membership and hadn't even visited the website today. I cancelled my membership and called to ask for a refund. I was very polite and patient on the phone. The customer service agent told me that "memberships are non-refundable." I stated that I hadn't signed up for a membership and would really appreciate a refund. She told me to "hang on while I check this on my end, okay?" I said okay... She hung up on me.