Experian Identity Works Review

In a nutshell: A streamlined yet powerful identity theft protection tool that scans for a variety of issues and actively protects users.




Recover from fraud with dedicated support agents

3-bureau monitoring only with Premium plan

Excellent suite of educational tools and resources

No live chat support 

Visit Experian Identity Works

What About Fraud Deterrence?

Customers can rest easy thanks to Experian IdentityWorks. The company’s service offers strong fraud deterrence and scanning designed to keep users’ sensitive data safe. Subscribers can take advantage of a series of alerts that include takeovers of financial accounts related to investing, banking, and loan repayment. Moreover, the company notifies users in cases where court records or bookings are made with their names, and even when applications for non-credit loans, such as payday financing, are made. If customers suspect they are victims of identity theft or fraud, they can instantly lock their credit reports, limiting the potential damage and ensuring that their scores and creditworthiness will not suffer greatly.

Should they become victims of fraud, customers can quickly recover and minimize the damage thanks to access to Experian’s team of dedicated fraud resolution specialists. Any customer who opens a claim will be matched to a specialist, who will help guide them through the resolution and restoration process. Additionally, all IdentityWorks customers are entitled to up to $1 million in identity theft insurance to cover expenses related to the restoration process. 


Experian Identity Works at a Glance

Experian is one of the three major credit bureaus in the United States. Apart from tracking and updating consumer credit scores, the company provides credit monitoring and identity theft services through a variety of different product lines. IdentityWorks is the company’s identity theft protection suite, delivering a blend of monitoring and alerts geared towards keeping customers in full control of their identity and aware of any emerging risks to themselves or loved ones. IdentityWorks is offered as a standalone service, but integrates many of the credit monitoring features that has made Experian a mainstay in the cybersecurity world.  To round out this solution, outstanding resolution and restoration tools help customers recover if they do become victims of fraud. 

Robust identity protection


Best for Whom?

Experian has developed an identity theft protection tool that can work on multiple levels. Customers looking for credit monitoring can take advantage of IdentityWorks, which offers monitoring for all three major bureaus, as well as daily Experian FICO score tracking and quarterly 3-bureau scores. Additionally, IdentityWorks is ideal for customers who are looking for a more complete “set-it-and-forget-it” solution, as it features an impressive array of alert systems that can notify customers when situations arise that would warrant their attention.

Features and Services Offered

Users will find a multitude of valuable benefits contained within Experian IdentityWorks’ monitoring and fraud prevention suite. The company offers a variety of monitoring, which includes 3-bureau scans and quarterly credit scores, as well as daily score tracking with Experian FICO scores. IdentityWorks regularly scans for uses of customers’ identities in several places to prevent and identify fraudulent activity. The company scans users’ Social Security Numbers for any unusual activity online, and trawls through dark web black market sites for any potential sales of sensitive information. Apart from preventative measures, Experian helps customers who become the victims of fraud.  They accomplish this by providing an array of resolution and restoration services that include the assistance of a dedicated specialist, fraud insurance, and an extensive library of resources pertaining to credit repair and education. IdentityWorks also offers a variety of alerts and notifications for actions such as non-credit and payday loan applications, sex offender registry entries, and more. Furthermore, the company’s CreditLock tool can be utilized free of charge.

Highlights from Experian IdentityWorks:

  • A wide range of alerts to keep customers aware of unfolding changes
  • Quarterly 3-bureau credit scores
  • Monthly Experian FICO score tracking
  • Dark web surveillance and monitoring for identity theft
  • Daily 3-bureau monitoring
  • Notifications for any credit inquiry on users’ accounts
  • Excellent FICO score simulator lets users view impact of different actions
  • Up to $1 million in identity theft insurance


Outstanding monitoring tools

Monitoring Utilities

One of the biggest advantages Experian IdentityWorks offers users is the breadth of its monitoring tools. The company provides standard credit monitoring utilities, along with more specific scanning tools. Customers who sign up for either of the two available IdentityWorks plans are covered by Experian credit monitoring, as well as daily Experian FICO scores and monthly score tracking. Customers in the Premium plan have the added benefit of monthly 3-bureau scans, as well as a wealth of other monitoring utilities. IdentityWorks also scans for usage of customers’ Social Security Numbers, unusual access to and applications for financial accounts, non-credit loan applications, and even court records and bookings. In addition to these activities, the company monitors dark web black market websites to ensure that none of its users’ information has been bought or sold illegally. Finally, customers receive real-time notifications if a request for an address change is made in their name along with alerts if their banking or credit accounts are compromised.  Overall, IdentityWorks offers customers a comprehensive monitoring solution that requires minimal oversight to function optimally. 

Recover Your Identity: Restoration Specialists

Experian sets IdentityWorks apart from the competition thanks to its outstanding resolution and restoration team and accompanying tools. The company works closely with customers to repair breached identities should they become victims of fraud. As soon as a user calls in a suspected identity theft or crime, IdentityWorks assigns them a dedicated restoration specialist. Along with offering advice and guidance, these specialists help customers navigate the complicated process of declaring an identity theft and taking the necessary steps to resolve it. This includes interfacing with banks, creditors, government authorities, and law enforcement to get the most expedient results possible. Moreover, Experian offers all of its subscribers up to $1 million of identity theft insurance that is designed to cover all costs and expenses directly related to their restoration process.

Customers can also help speed up the restoration process and better avoid potential fraud thanks to Experian’s education center. This database hosts a variety of resources on credit monitoring, credit repair, and even cybersecurity issues such as the dark web. The information is available free of charge, and includes thousands of insightful articles and recommendations. Moreover, customers can learn to better manage their credit scores and finances with the company’s FICO score simulator, which shows the potential impact of financial decisions or actions that could influence their credit scores. 

Learn to protect yourself

How Safe is It?

Customers can rest easy knowing the lengths that Experian IdentityWorks takes to protect subscribers. The service itself is an excellent way for users to protect themselves from a wide variety of threats that could compromise their identity. With a variety of monitoring scans and notifications, IdentityWorks offers comprehensive security for customers’ data, along with proactive measures such as their CreditLock feature. Their website is also safe, as the company only collects identifiable information that helps them offer customers a better service. User data is not shared with third parties without their consent, and the company’s privacy policy is both transparent and clear. 

Payment Options

Upon registering for IdentityWorks, customers can choose one of two different payment plans. IdentityWorks Plus offers the company’s standard measures, including Experian credit monitoring, dark web surveillance, CreditLock, and dedicated fraud resolution. Customers are also entitled to daily Experian FICO scores and score tracking. The Plus plan costs $9.99 a month following a 30-day free trial.

The company’s Premium option adds 3-bureau monitoring and alerts, along with quarterly 3-bureau FICO scores and a host of other alerts and notifications. Customers choosing the Premium plan pay $19.99 a month following a 30-day free trial. 

Deep Dive into Pros and Cons

We were impressed with Experian IdentityWorks, but did identify some areas where the company could optimize its offerings. By extending its 3-bureau monitoring tool to both plans, IdentityWorks would increase the degree of all around protection that benefits customers. Additionally, we would have liked to see more channels available for support, such as a live chat functionality.

On the other hand, there are several aspects that stand out. The company provides an impressive array of alerts and notifications that keep customers informed about their security constantly. Apart from these valuable features, the breadth of monitoring tools means customers can always know exactly what is happening with their identity. In the event of fraud, IdentityWorks’ restoration specialists can help customers quickly and effectively recover. Finally, we appreciated the emphasis on educational resources which are effective for empowering customers to take preventative steps and measures on their own. 

Help & Support

Subscribers can easily reach Experian support via toll-free telephone or through the website. The representatives we interfaced with were informed and readily able to answer all our queries in a prompt and courteous fashion. Support through the website offers customers useful guidance and outlines the steps to take depending on the situation they are facing. We were delighted with the overall quality of support, but would like to see more communication channels available. 

Support you can count on

Final Word

Experian IdentityWorks offers customers an uncomplicated alternative for identity theft protection.  The company’s many alerts and monitoring scans provide a comprehensive security solution that can effectively track customers’ identities online and quickly alert them to limit the potential damage done by fraud and identity theft. Customers can protect themselves and stay on top of their credit with the company’s credit monitoring and monthly score tracking, as well as quarterly 3-bureau scores. Overall, we were pleased with the efficiency and price of the company’s services. IdentityWorks presents an ideal fit for customers seeking a solution that can let them focus on their lives, instead of constantly worrying about preventing identity theft. 

Physical Address

475 Anton Boulevard

Costa Mesa, CA



Advertising Disclosure

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.


Top 5 Credit Report Companies