Experian
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As one of the three major credit bureaus, Experian provides authoritative credit data and a free FICO-based score. The app also features Experian Boost, which lets you add utility and streaming service payments to your credit history to help build your score over time.
This positions Experian as both a credit monitor and a tool for active score improvement. The bureau's direct access to credit data means you're getting information straight from the source that lenders actually use.