Beware of Credit Score Scam Calls Claiming to Be Experian Partners
Company falsely claming to be experianConsumers across the country are being targeted by a growing and dangerous scam involving phone calls, emails, and text messages from a company falsely claiming to be a partner of Experian. These scammers are contacting individuals and warning them that their credit score has suddenly dropped, creating fear and urgency. They then direct consumers to log into a fraudulent website designed to steal sensitive personal and financial information.
This scam is becoming increasingly sophisticated, and many victims do not realize they have been deceived until serious damage has already been done. Understanding how this scam works—and how to protect yourself—is critical to safeguarding your identity, credit, and financial future.
How the Scam Typically Works
The scam often begins with a phone call, email, or voicemail that appears urgent and alarming. The caller may claim to represent a company “working with Experian” or a “credit monitoring partner.” They often use professional language, spoofed phone numbers, and convincing email addresses to appear legitimate.
Common tactics include:
Claiming your credit score has dropped significantly
Warning of unauthorized activity or risk of account closure
Offering to “help fix the problem immediately”
Directing you to log into a website that closely resembles a real credit bureau portal
Offering to lower your interest rates on existing credit card accounts
Once you enter your personal information—such as your Social Security number, date of birth, login credentials, or credit card details—the scammers gain access to your identity and financial life.
Fake Promises of Lower Interest Rates
One of the most deceptive aspects of this scam is the promise to lower interest rates on existing credit card accounts. Scammers may claim they can negotiate directly with your credit card issuers or that they have special authority due to their supposed partnership with a credit bureau.
This is a major red flag.
Credit bureaus do not:
Negotiate interest rates
Modify credit card terms
Access your credit card account numbers
Act on behalf of lenders
Any company claiming they can lower your credit card interest rates because they “work with Experian” is misleading you.
Important Facts Consumers Must Know
To protect yourself, it’s important to understand how credit bureaus actually operate:
Experian is not associated with this company
Experian does not issue credit cards
Experian does not contact consumers to sell services by phone
Experian does not provide account numbers to unauthorized companies
Experian does not ask for login credentials via email or phone
If someone claims otherwise, they are not telling the truth.
Warning Signs That You’re Being Scammed
Scammers rely on fear, urgency, and confusion. Be alert if you experience any of the following:
You are told to act immediately or face serious consequences
You are asked to click a link or log in through an unfamiliar website
The caller refuses to provide written verification
The company pressures you to share sensitive personal information
The offer sounds too good to be true, such as guaranteed interest rate reductions
Legitimate credit bureaus and financial institutions will never pressure you or demand immediate action through unsolicited contact.
What to Do If You Are Contacted
If you receive a call, email, or text from a company claiming to be a partner with Experian:
Do not click any links
Do not provide personal or financial information
Hang up the phone
Independently verify your credit status by logging directly into the official credit bureau website
Report the scam to the appropriate authorities
If you are unsure whether a message is legitimate, always contact the organization directly using a verified phone number or website—not the information provided by the caller.
What to Do If You Already Shared Information
If you believe you may have entered your information into a fraudulent system or spoken with one of these scammers, take action immediately:
Place a fraud alert or credit freeze on your credit reports
Change passwords on financial and email accounts
Monitor bank and credit card statements closely
Report identity theft to the Federal Trade Commission (FTC)
Seek professional assistance to assess and repair potential damage
Early action can significantly reduce long-term harm.
Why These Scams Are Increasing
Credit-related scams are on the rise because stolen personal data is extremely valuable. With access to your identity, scammers can:
Open new credit accounts
Take over existing accounts
Commit tax or employment fraud
Sell your data on the dark web
Scammers often target consumers during times of financial stress, when people are more likely to respond emotionally to threats about their credit.
How The Credit Bureau Can Help
If you have questions, concerns, or believe you may be a victim of credit or identity-related fraud, professional guidance can make a critical difference.
📞 Call The Credit Bureau at 800-518-1077
Our team can help you:
Understand whether a call or email is legitimate
Review warning signs of fraud
Take steps to protect your credit and identity
Navigate next steps if fraud has already occurred
You do not have to face these situations alone.
Stay Informed, Stay Protected
Scammers thrive on confusion and misinformation. The best defense is awareness. Always remember:
Credit bureaus do not sell services through unsolicited calls
No legitimate partner will ask for your login credentials
Urgency and fear are common scam tactics
By staying informed and cautious, you can protect yourself and your loved ones from becoming victims of credit and identity fraud.
If something doesn’t feel right, trust your instincts—and reach out for help.
