Experian Review, Pricing, Features with Pros and Cons

In this Experian review, you'll find more information about its features, pricing, pros and cons and why you should consider using it.
9.2/10 (Expert Score)
Product is rated as #4 in category Identity Theft Protection
9.2Expert Score
Take better control of your identity.

Unlock the power of comprehensive credit monitoring and ironclad identity protection with Experian IdentityWorks. This all-in-one software not only keeps a vigilant eye on your credit score but also acts as a digital watchdog for your personal information. From safeguarding your Social Security number to scouring the dark web for your data, it’s the Swiss Army knife in your cybersecurity toolkit. Elevate your financial health and peace of mind with this versatile tool that’s got your back, 24/7.

Customer support
8.9
Value for money
9.2
Ease of use
9.2
Features
9.4
Pros
  • Business Credit Services
  • Identity Theft Protection
  • Instant Boost Program
  • Comprehensive Credit Monitoring
Cons
  • Lack of Face-to-face service
  • Mixed reviews

In a digital world where your personal information is as valuable as gold, how do you keep it locked away from prying eyes? Enter Experian, a software that promises to be your personal vault for all things credit and identity.

From real-time credit monitoring to dark web surveillance, this comprehensive guide dives deep into the software’s features, laying out compelling reasons to use it and addressing its pros and cons. Experian could be the guardian angel your digital life has been waiting for !

Read further to learn more about Experian, in our review we will detail its features, pros and cons with our rating, and a conclusion about why you should use it.

Click on “open” if you want to see exactly what we will talk about in the rest of this article.

Overview

What is Experian?

Experian offers a comprehensive identity theft protection service called Experian IdentityWorks. The software provides monthly privacy scans to locate and remove your personal information from covered people-finder websites.

It also includes identity theft monitoring, alerts, and dark web surveillance. Users benefit from fraud resolution services and up to $1 million in ID theft insurance.

The software allows you to easily lock and unlock your Experian credit file through Experian CreditLock, offering real-time alerts if anyone applies for credit in your name. The service is initially free for 7 days and then costs $24.99 per month.

Experian specifications

Features24/7 Monitoring / 3-Bureau Credit Monitoring / Address Change Alerts / Address Monitoring / Credit Monitoring / Dark Web Monitoring / Financial Transactions Monitoring / ID theft guard / Identify Monitoring / Identity Monitoring / Identity Theft Coverage & Restoration / Instant Boost Program / Payday monitoring / PrivacyScan / Sex Offender Registry Alerts / Social Network Monitoring / Social Security Number Monitoring / Theft insurance
Best suited forIndividuals, Freelancers, Small businesses, Mid size businesses, Large enterprises
Website languagesEnglish
Website URLVisit official website
Support linkSupport page
Live chatNo
Company addressCosta Mesa, CA, United States
Year founded1996

Pricing

Experian pricing: How much does Experian cost?

Looking to safeguard your digital identity without breaking the bank? Experian offers flexible pricing plans to fit every budget and need.

With options ranging from a free Basic plan to a comprehensive Family plan at $34.99/month, there’s a tailored solution for everyone !

Pricing rangeFrom $24.99 to $34.99 per month
Pricing typesMonthly subscription
Free planYes
Free trialYes, 7 days
Money back guaranteeNo
Pricing page linkSee plans

Experian pricing plans

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Basic Plan

    • Price: Free
    • Features:
      • Free Experian credit report and FICO® Score
      • Experian credit monitoring and alerts
      • FICO® Score tracker
      • FICO® Score monitoring

Premium Plan

    • Price: 7-day free trial, then $24.99/month
    • Features:
      • Includes everything in the Basic plan
      • Advanced identity theft monitoring
      • Monthly privacy scans
      • 3-bureau credit monitoring and alerts

Family Plan

    • Price: 7-day free trial, then $34.99/month
    • Features:
      • Includes everything in the Premium plan
      • Premium features for 1 additional adult
      • Identity monitoring for up to 10 children

Note : A credit card is required to start the free 7-day trial for the Premium and Family plans. You may cancel your trial membership at any time within 7 days without charge. After the trial period, you will be billed monthly for the plan you’ve chosen.

Features

Experian features: What can you do with it?

With a suite of comprehensive features, Experian offers multiple layers of security to safeguard your personal information, credit status, and online presence.

From real-time credit monitoring to advanced identity theft alerts, Experian IdentityWorks equips you with the tools you need to proactively manage and protect your identity.

Credit Monitoring and Alerts

Experian credit monitoring

Experian IdentityWorks provides real-time credit monitoring and alerts specifically for your Experian credit report and FICO® Score.

It notifies you of any significant changes, such as new accounts, credit inquiries, and public records. This feature is crucial for early detection of any fraudulent activities that could affect your credit standing.

Address Change Alerts

This feature monitors for unauthorized USPS change of address forms filed using your information. If detected, you are alerted to take corrective action, preventing potential mail fraud.

Advanced Identity Theft Monitoring

Experian identity

The software scans various databases, websites, and even the dark web to check for the misuse of your personal information.

It provides timely alerts for suspicious activities like unauthorized address changes or new account openings. This feature is more comprehensive in the premium plan, offering automatic dark web scans.

Sex Offender Registry Alerts

This feature alerts you when a registered sex offender moves into your neighborhood. However, it does not check to ensure your name hasn’t appeared on any registries.

Identity Theft Insurance

The software offers up to $1 million in identity theft insurance. This feature kicks in if your identity is compromised, covering legal fees, lost wages, and other expenses. A fraud resolution specialist is also provided to guide you through the recovery process.

Monthly Privacy Scans

Experian free scan

This feature goes beyond basic identity monitoring by scanning people-finder websites to locate and remove your personal information. It helps you manage your digital footprint and enhances your online privacy.

3-Bureau Credit Monitoring

The premium plan extends the credit monitoring feature to include reports from Equifax and TransUnion. This gives you a more comprehensive view of your credit status, as the three major credit bureaus don’t share information.

Social Security Number Monitoring

This feature is particularly vigilant about the use of your Social Security number. It alerts you the minute it detects unauthorized use of your SSN, helping you prevent the forging of a second identity.

Dark Web Surveillance

Experian dark web

The software performs daily scans of over 600,000 web pages on the dark web. It alerts you if your personal information is found, allowing you to take immediate action. In the premium plan, this feature is automatic, meaning you don’t have to perform manual scans.

Financial Account Monitoring

This feature is particularly useful for detecting fraudulent activities related to your bank accounts. It alerts you if someone tries to open a new bank account or take over your existing one using your personal information.

Payday and Non-Credit Loans Monitoring

This feature detects and alerts you of attempts to apply for payday or non-credit loans using your identity. It helps you act quickly to prevent financial loss and further identity theft.

Experian report

Court Records Monitoring

Experian IdentityWorks cross-checks court records to see if any crimes have been reported using your identity. This is an additional layer of security that is especially useful if your identity is stolen by someone likely to commit crimes.

Social Network Monitoring

While not explicitly stated on the official website, some reviews indicate that Experian IdentityWorks also offers social network monitoring.

This feature would alert you to any suspicious activities related to your social media accounts, adding an extra layer of protection to your online identity.

Conclusion

Experian review: Why you should use it?

Experian offers a comprehensive suite of features aimed at both credit monitoring and identity theft protection. With services like Social Security number monitoring, dark web surveillance, and financial account activity tracking, it provides a robust shield against identity fraud.

Additionally, the software helps in credit score improvement through its Instant Boost program, which allows you to add utility and other bills to your credit report. The software offers both free and paid plans, making it accessible for a wide range of users.

Pros and Cons

Pros

  • Comprehensive Credit Monitoring: Keeps track of credit inquiries, account balance changes, and new account creation.
  • Identity Theft Protection: Monitors your Social Security number, performs dark web surveillance, and tracks financial account activity.
  • Instant Boost Program: Allows you to improve your credit score by adding utility, phone, cable, and internet bills to your credit report.
  • Business Credit Services: Offers specialized programs for small or large businesses to manage their credit.

Cons

  • No In-Person Service: Lacks the option for face-to-face consultation or support.
  • Mixed Reviews: Some users have reported issues with customer service and the effectiveness of the credit boosting features.

By offering a balanced mix of credit monitoring and identity theft protection, Experian IdentityWorks stands as a versatile tool for safeguarding your financial health.

FAQ

Frequently Asked Questions

How does Experian protect my Identity ?

The software performs advanced identity theft monitoring by scanning various databases, websites, and the dark web. It alerts you of any suspicious activities like unauthorized address changes or new account openings.

What Credit Monitoring Services does Experian offer ?

Experian IdentityWorks provides real-time credit monitoring and alerts for your Experian credit report and FICO® Score. The premium plan extends this feature to include reports from Equifax and TransUnion.

Does Experian monitor Social Security Numbers ?

Yes, the software monitors the use of your Social Security number and alerts you if it detects unauthorized use, helping you prevent identity theft.

What is the Instant Boost Program ?

The Instant Boost program allows you to improve your credit score by adding utility, phone, cable, and internet bills to your credit report.

Is Experian effective for Business Credit ?

Yes, Experian IdentityWorks offers specialized programs for small or large businesses to manage their credit.

Does Experian offer Identity Theft Insurance ?

Yes, the software offers up to $1 million in identity theft insurance, covering legal fees, lost wages, and other expenses.

Experian Review, Pricing, Features with Pros and Cons
Experian Review, Pricing, Features with Pros and Cons

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9.2 / 10