ChatGPT Finances adds Experian credit tracking for U.S. Plus and Pro users
OpenAI has added credit score tracking to ChatGPT Finances, letting U.S. Plus and Pro users connect their Experian credit report and view a VantageScore 3.0 without first linking a bank account. The rollout is happening across web, iOS, and Android. Once connected, ChatGPT can review reported accounts, balances, credit limits, utilization, payment history, and inquiry records, then explain what is affecting a user’s score. Credit reports and scores update monthly, and the tool can also flag new inquiries, new accounts, or address changes. OpenAI says checking a score this way counts as a soft inquiry, so it does not lower the user’s credit score. The feature can also analyze credit report data alongside financial account data connected through Plaid in Finances, including which credit card is using the most available credit and which balance may need to be paid down first. OpenAI also said that after a user disconnects Experian, the underlying credit report data will be deleted within 30 days, but information already stored in chat history or Financial Memories will not be removed automatically.








