Experian Review

As one of the three major credit bureaus, it’s likely that you’ve heard of Experian. Already an arbiter of personal and credit information, Experian has moved in to the identity protection world with their product IdentityWorks.


Features and Services

Experian IdentityWorks offers two types of plans, Plus and Premium. With the Plus plan, you’ll find a focus on credit monitoring features, with Dark Web Surveillance as the predominant identity protection feature. Once you move up to the Premium plan, you have the added benefits of more in-depth identity monitoring. The Premium plan includes: * Dark Web Surveillance * Lost Wallet Assistance * Identity Theft Monitoring and Alerts * Social Security Number Monitoring * Address Change Verification * Bank Account & Credit Card Takeovers * Identity Validation Alerts * Sex Offender Registry Monitoring * Social Network Monitoring * Experian CreditLock * 3 Bureau Credit Monitoring • FICO Scores * FICO Score Simulator * Credit Score Tracking Something to note, the same credit-based features are offered on the Plus and Premium plan. However, on the Plus plan you’ll receive solely Experian data, while upgrading to the Premium plans mean you’ll have data from all three credit bureaus. Unsurprisingly, the credit focused features that Experian IdentityWorks offers are a cut above the competition. Directly from your member dashboard, you can lock and unlock your Experian credit file using Experian CreditLock. Additionally, IdentityWorks provides information about your FICO score, which is the number traditionally used by creditors when you apply to take out a personal, home, or car loan. These are two competitive features that you won’t find elsewhere. Once you’re signed up, the member dashboard is jam packed with useful consumer information. It will take some time to set up your profile and enter the personal information you’d like to be monitored. It will also take some time to dig in to the initial report for each identity monitoring benefit. Even if no threat or alert worthy information has been found, a “report” will be generated that you’ll be prompted to click in to. While this takes some time and effort to get acquainted with, there is plenty of educational information presented to you along the way that makes the process worth it. However, if you’re short on time, the member dashboard may find it difficult to understand the status of your identity protection at a glance.


Whether you’re looking to protect yourself or your entire family, Experian likely has a plan for you. All plans begin with a 30-day free trial, and then renew at a regular monthly price. To protect an individual on the Plus plan, the cost is $9.99 per month. To protect an individual on the Premium plan, the cost is $19.99 per month.

Support and Customer Service

If you require assistance, Experian IdentityWorks Customer Service can be reached by phone Monday through Friday from 6am-8pm PST, and Saturday and Sunday from 8am-5pm PST. If you’d like to be assisted through online chat, customer service can be reached Monday through Friday from 6am-8pm PST. Experian IdentityWorks is one of the few companies that offers online chat as a support channel. Alongside interactive options, Experian IdentityWorks also offers a robust self-service customer support option with plenty of resources, which you can access right from your member dashboard. Our experience reaching out to Experian IdentityWorks’ customer service was a bit bumpy. When we tried to utilize the online chat option, we were told several times that all agents were currently busy and prompted to try again later. From there, we called customer service. After a recorded greeting, you’re immediately asked to say or enter your social security number. Then, you’re required to navigate multiple robo-menus that will try to identify and solve your problem before connecting you to a customer service representative. The total duration of the call was about 4 minutes, with only 2 of those minutes spent talking to an actual person. Despite these speed bumps, customer service was able to answer our question and provide the information we were looking for.


What truly adds value to a membership with Experian IdentityWorks is their top of the line credit monitoring. While the Premium plan touts some identity protection features, there’s nothing that makes Experian stand out from the crowd. We’d recommend the Experian IdentityWorks Plus plan as a good fit for someone looking for credit monitoring, and the Premium plan as decent value for someone who wants to add on some identity protection features for a reasonable price. While it isn’t the most complete protection package on the market, the abundance of resources and direct access to your Experian credit file makes Experian IdentityWorks worth your consideration.

Customer Reviews For Experian

Lisa - 3 months ago

Signed up for Ultra Premium service...have held 3 days in a row on phone for 30-90 minutes and no one answers the phone...just repeated recording "don't hang up now, you'll lose your place in the queue", am going to get my $ back and try another service

joel - 3 months ago

Great firm

John Ruffo - 4 months ago

I don't believe that this company has any human people working there. Every time I called and asked to talk to an agent, I was entered into a canned recorded message. They have different phone numbers, but they all lead back to the canned recorded message. I would never use this company.

ANH TRUONG - 5 months ago

unreliable company, don't waste any money. they are going to ruin your live...

ANH V TRUONG - 5 months ago

My fico score is over 800 but citi card declined my application base on experinian report. So pathetic! unreliable....

Jeff Shafer - 6 months ago

I’m a recent subscriber to Experian, and have no idea how well they will protect me. What I do know is that they’ve been inundating us with “cry wolf” notifications, nearly daily. Annoying to the point where it’s unlike we’ll continue to use their services.

Matthew Campbell - 6 months ago

Used them for a few years. Sleazy website tricked me into upgrading to the $25/month plan. I called immediately (literally 5 minutes later) and they wouldn't roll me back, because my old plan wasn't available anymore. I cancelled immediately and won't come back. SMH

Jacob Belsky - 7 months ago

I’m having a difficult time getting someone from experience on the phone to answer questions. After reading some of the people’s comments, I am not surprised.

Linda - 9 months ago

It tells you free your going to get 3 Bureau Credit Monitoring but yet only one shows and asks for money Credit Karma free and accurate!

Elissa Tognozzi - 10 months ago

"Your call is important to us." Been listening to that non-stop for 50 minutes. Everything of mine was hacked in a huge breach with my university. The best thing they do is ask me to upgrade. Pass. I'd do better to call Social Security. They'd probably answer more quickly.

Samuel Lawson - 11 months ago

I've tried several times over several years, and I can't even get Experian to freeze my credit report. Tried to make a user account and their servers error out every time. Can even get a report through them. Fraudsters must LOVE Experian because you can't do crap to protect yourself with them.

Samuel Todaro - 1 year ago

Worst credit co tried to remove freeze for over 2 hours only got voice mail even with pin Terrible CO

Sam Smith - 1 year ago

Today I received a notification which indicated ID fraud. I quickly called Complete ID and was able to make contact with a HUMAN agent. He gathered relevant information, and then set a time for an ID Restoration agent to call me tomorrow. So far, I am thankful for their great service. I will update as I go through this process.

M Schatz - 1 year ago

There is no way to speak to a human - do not use this

Felicia Bassey-Akamune - 1 year ago

This is the worst thing you can do to yourself. I did the credit lock with experian and i have been calling for 8 weeks now to unlock the account so that the morgage company can refinance my home, yet I am unable to reach anyone by phone. I have written 2 registered mail to Experian but no response. Not even a mail back. This has been the worst experience of my life. DO NOT DO BUSINESS WITH EXPERIAN, YOU WILL REGRET IT.


  • $1M Identity Theft Insurance
  • 3 Bureau Credit Monitoring
  • Credit Monitoring
  • Monthly Credit Score
  • Dark Web Monitoring
  • High-Risk Transaction Monitoring
  • Bank Account Monitoring
  • SSN Monitoring
  • Social Insight Report
  • Safe Web Browsing Extension
  • Online Identity Dashboard
  • Mobile Application

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