Experian Review

By Kevin Mercadante

 

Reliable Credit Reporting

When it comes to finding the right solution for your credit reporting and monitoring, Experian’s expertise as one of the three major credit bureaus offers tremendous value. Besides providing you with the strong and intuitive monitoring tools to stay on top of your credit reports from all three major bureaus, Experian’s services cover everything from credit fraud prevention to score recovery. With strong reporting features and a supportive credit information education center that helps you learn about credit scores and their importance, Experian builds on its decades of experience to provide you with excellent credit monitoring tools.

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Experian Highlights

  • Study credit scores’importance with educational resources
  • Designed specifically to protect against credit fraud
  • Everyday Access to your Experian Credit Report & FICO Score 

Pros

  • Comprehensive feature list
  • Active fraud protection
  • Updated FICO scores every day
  • Daily internet scan of your identity

Cons

  • Fees can be slightly pricey
  • No live chat feature

Identity Theft Deterrence

In today’s online world, you are more exposed than ever to credit fraud. With Experian, you can limit your risk with a robust suite of protection features that are designed to ensure you and your credit are always safe. Experian’s ProtectMyID keeps tabs on your credit reports daily, letting you stay on top of any updates or changes. Your credit reports are even displayed side by side, so you can compare events and notes on all of them to discover any discrepancies.

When you sign up for Experian, you are eligible to receive alerts directly to your e-mail in case of any major changes. On top of that, you can freeze your credit score if you suspect you have been the victim of credit fraud. With the company’s CreditWorks, you can also view how your FICO scores change over time while receiving the same credit monitoring and report updates daily when you register.

Fraud Support

Sometimes it is inevitable that you will be the victim of fraud. In these cases, Experian can work with you to protect your credit score and your finances. The company provides daily scans around the internet for any unauthorized use of your social security number and your credit and debit cards. If you do fall victim to an attack, Experian will assign a Fraud Resolution Professional who will be responsible for helping you report and resolve the incident, filling out paperwork, and contacting the proper authorities.

When we tested Experian’s fraud support, we found them to be extremely helpful and knowledgeable. Assistance was also delivered in an extremely timely manner. On top of the security tools Experian provides, they also extend you a $1 million identity theft insurance with a 0% deductible that covers your loss of property and even legal defense fees.

Fees

When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorks. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. 

Experian offers you a wide variety of plans to find the best credit monitoring solution for your needs. If you are simply interested in seeing an Experian credit report once a month, you can sign up for their free service, which also gives you access to the company’s superb credit education resources and support by toll-free phone.

The company’s comprehensive credit monitoring solution, Experian CreditWorks, starts at $4.95 for the first month, and then moves up to $19.95 per month. Additionally, you can pull your Experian Credit report and FICO score once for $19.95, or a 3-Bureau credit report, along with your FICO score for a $39.95 one-time fee.

If you are also interested in adding identity theft protection, you can choose the company’s ProtectMyID service for $15.95 a month, which also includes 3-bureau credit monitoring as well as internet scans of your social security, debit, and credit card numbers.

Credit Information Education

While monitoring your credit is important, Experian understands that it’s also as crucial to understand how your credit score works and why it’s so vital to your life. To help you better comprehend your credit reports, the company has created a fantastic credit education center that is full of articles and guides that teach you the basics of how credit scores are calculated. You can also learn about ways to improve and maintain your credit, as well as other great tips and knowledge about protecting your identity. The site does not offer a live chat support, but Experian representatives are easily reachable by e-mail or phone.

Membership Amenities

When you sign up for an Experian account, your membership comes with perks that add great value to your subscription. If you opt for the standard Credit Tracker, you receive access to an online dashboard that has all the important information regarding your credit score including any major changes or updates made to your credit report. With the Credit Score Center you are able to actively track your credit score and receive alerts when it moves. Additionally, you can visualize trends and changes to your score over time with an interactive tracking tool. Experian also offers you strong protection against credit fraud, letting you take charge with fraud alerts, credit freezes, and fraud resolution support that guarantees you can rest easy.

Conclusion

Everyday Access to your Experian Credit Report & FICO Score so you always know where you stand Daily Monitoring of your Experian Credit Report with alerts if there are any changes or suspicious activity Score Factors that show what’s impacting your FICO Score Toll-free support 7 days a week from a team of credit and fraud resolution specialists.

After digging deep into Experian, we found that the company provides an excellent credit monitoring solution that helps you actively protect your credit and improve your score. With great reporting features including a credit score tracker along with spectacular fraud and identity theft protection, you can rest assured that your credit is not going to be seriously affected or hurt without you knowing about it. Experian lets you stay on top of your credit while giving you the support and knowledge you need to keep it in perfect shape.

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Physical Address

Experian
475 Anton Blvd.
Costa Mesa, CA 92626
1 714 830 7000
USA

 

  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, OutOfYourRut.com. He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.

 

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