Experian is a well-known credit reporting company in the United States. The credit report that it has on file for a borrower will determine if that person gets a loan for their home. While most lenders have different borrowing standards, a credit score of at least 700 is required to get the best rate on a home loan. However, you could get a loan with a score as low as 600 in some cases. It is important to check your credit report to make sure that your credit report and score are accurate. Even a couple inaccuracies could cause your score to drop significantly. Keep in mind that the score that Experian has may not be the same score that other credit reporting bureaus have for you. This is why you should always get a copy of your credit report before applying for a mortgage.