Experian 2019 Review
Experian’s credit monitoring service sends you immediate alerts when they find changes in your credit reports, suspicious activity on your reports, or identity fraud. These alerts are based on key changes in your Experian, TransUnion, and Equifax credit reports.
Experian Pros
- Accreditations: Experian is accredited with an A- rating from the Better Business Bureau.
- Alerts: Experian’s alerts will inform you of changes in your credit reports or suspicious activity like fraud.
- Experian Credit Lock: This tool allows you to control who has access to your Experian credit report.
- Updates: Depending on the plan you choose, you can get an updated Experian credit report and FICO® Score daily or monthly when you sign in.
- Identity Theft Insurance: You can receive up to $1 million identity theft insurance.
- Fraud Resolution: Experian’s fraud resolution agents assist you in restoring your identity after your information has been compromised. Costs like electronic fund transfers, lost wages, legal fees, and travel expenses are covered. Experian Credit Tracker also provides you a $50,000 guarantee.
- Quarterly Three Bureau Updates: Receive updated credit reports and FICO® scores from all three bureaus every 90 days.
- Easy To Read Dashboard: Experian’s online dashboard show an easy to read credit score overview and additional factors that can affect your credit score.
- Easy Cancellation: Because there are no contracts, it is easy to cancel your monthly membership by canceling online with your account or calling the toll-free line that is available seven days a week.
- Dark Web Surveillance: Experian tracks your personal information on the dark web to catch thieves selling your identity.
Experian Cons
- Although Experian Credit Tracker has a $50,000 guarantee and a fraud resolution specialist, New York State does not allow this offer to apply to its residents.
- Lenders may use a different score than the one provided by Experian.
Pricing
Experian CreditWorks Basic: This plan is free and no credit card is required. It provides your Experian credit reports every 30 days on sign in, Experian credit monitoring with alerts, and toll-free phone support. Experian CreditWorks: This plan is $4.99 for the first month and $24.99 for each additional month to gain access to quarterly 3-bureau credit reports and FICO® Scores, 3-bureau credit monitoring with alerts, daily Experian credit reports and FICO® Scores, Experian FICO® Score tracking with alerts, Experian CreditLock with alerts, fraud resolution support, and $1 million identity theft insurance. One-time Credit Reports And Scores: For $19.95, you receive your Experian credit report and FICO® Score along with toll-free phone support. One-time 3-Bureau Credit Report And FICO® Scores: For $39.95, you receive your Experian, Equifax, and TransUnion Credit Report and FICO® Score along with toll-free phone support.
Frequently Asked Questions
FAQs
How long is the trial period?
There is a seven day trial of Experian CreditWorks when you order your $1 credit report and FICO® Score 8. If you don’t cancel during the trial period, you are billed $21.95 for that month and full price for each month you continue your membership.
How frequently do they update my credit score?
Depending on which plan you purchase, you can either receive daily or monthly updates.
What other services do they provide?
Experian provides some basic identity theft protection and restoration services.
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