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Negative information
Understand how negative items on your credit report affect your credit score and what you can do to recover.
Take action with these tools
Free credit report
Get access to your free Experian credit report and FICO® Score*.
Get your FICO® Score*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.