Experian is broadly considered safe as a credit reference agency. It operates under stringent regulations by authorities like the Financial Conduct Authority (FCA) in the UK and complies with federal laws such as the Fair Credit Reporting Act (FCRA) in the US. Experian uses strong security measures including encryption, regular audits, and fraud detection systems like two- factor authentication to protect consumer data. Linking bank accounts to Experian for tools like Experian Boost is secured with bank-level encryption and third-party tokenized access, allowing users to monitor and improve credit safely. However, like any large data-collecting agency, Experian is a potential target for cyber attacks, though no recent breaches have occurred since a significant one in 2015. Overall, Experian is as safe as one can reasonably expect for an organization handling sensitive financial data, with ongoing efforts to enhance security and protect users.