Experian vs. Equifax: Identity theft protection
Experian IdentityWorks helps prevent identity fraud and alerts you to suspicious activity with low-cost memberships and options for family coverage. IdentityWorks Plus takes care of the basics with dark web monitoring, lost wallet assistance, and more.
IdentityWorks Premium is much more comprehensive, adding features like bank account and credit card monitoring and identity validation alerts.
Equifax’s identity protection services are a bit limited compared to Experian’s. All three tiers have the same level of identity theft protection, with lost wallet assistance (to save you time contacting credit card companies if your wallet gets lost), automatic fraud alerts, and bank account and credit card monitoring.
Compare Experian and Equifax identity theft protection services
*Data effective 6/29/2019. Offers and availability subject to change.
Experian IdentityWorks plans and prices
At $9.99 per month, IdentityWorks Plus has great identity theft protection. You’ll get alerts when IdentityWorks detects big changes to your account balance, a FICO score simulator, and up to $500,000 in ID theft insurance. And with a 30-day free trial, it’s a great plan if you’re new to identity theft prevention.
- Identity theft insurance up to $500,000
- Dark web monitoring
- Lost wallet assistance
- Social Security number monitoring
- Address change verification
- Account balance notificationsDaily FICO credit score
- FICO score simulator
IdentityWorks Premium, priced at $19.99 per month, bumps the identity theft insurance up to $1,000,000. It also adds some more specific monitoring, from court record monitoring to identity validation alerts.
IdentityWorks also offers plans for families and is one of the only identity protection services that has enough coverage for larger families. For $5 more a month, you can cover one adult and up to 10 children. For $10 more, you’ll get enough coverage for two adults and up to 10 kids.
Equifax ID theft protection plans and prices
Equifax offers the same basic identity theft protection for all its tiers: ID Patrol for $16.95 per month; Complete Premier for $19.95 a month; and Complete Family at $19.95 per month. The difference between the plans is in the credit monitoring.
No matter what plan you choose, you’ll get lost wallet help, Social Security number monitoring, automatic fraud alerts, and up to $1,000,000 in identity theft insurance. You’ll also be able to use Equifax’s Internet Scanning feature, which monitors the web for your passport, credit card, bank account, and insurance policy numbers.