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2019 Experian IdentityWorks and CreditWorks Review

Price: CreditWorks plans start at $24.99/mo.; IdentityWorks plans start at $9.99/mo.
Summary: Experian is pricier than the competition, but both of its products—CreditWorks and IdentityWorks—offer detailed, comprehensive coverage.

Experian CreditWorks review

These days, credit monitoring services offer more than just a free credit report or a brief glance at your credit history. Experian CreditWorks—Experian’s credit monitoring service—has detailed coverage that includes account balance changes, credit inquiries, credit utilization, and a daily Experian report.

That’s handy if you have experienced identity theft and need to keep a close eye on vulnerabilities or if you’re trying to build credit for big purchases like a new home or car.

Experian’s main drawback is that it’s more expensive than its competitors. It also has less positive customer feedback than either IdentityForce or Credit Sesame.

Experian CreditWorks pros and cons

Pros

  • Free membership for basic services
  • FICO score tracking
  • Expansive identity theft protection in higher-tier package

Cons

  • Expensive subscription fees
  • More negative customer reviews than other services
  • No bank or credit card account monitoring

Compare Experian CreditWorks plans

PlanCreditWorks BasicCreditWorks Premium
PriceFree$24.99/mo.
Credit monitoring1 bureau3 bureaus
Monthly credit score1 bureau3 bureaus
Monthly credit report1 bureau3 bureaus
Daily credit score1 bureau
Daily credit report1 bureau
Learn moreView PlansView Plans
Plan
Price
Credit monitoring
Monthly credit score
Monthly credit report
Daily credit score
Daily credit report
Learn more
CreditWorks Basic CreditWorks Premium
Free $24.99/mo.
1 bureau 3 bureaus
1 bureau 3 bureaus
1 bureau 3 bureaus
1 bureau
1 bureau
View Plans View Plans

*Data effective 03/08/2019. Offers subject to change.

CreditWorks Price

Experian offers two tiers of credit monitoring services. Its no-cost package, CreditWorks Basic, doesn’t offer much, but it’s great if you just want to keep an eye on your credit.

What comes with CreditWorks Basic

  • Monthly Experian credit report
  • Monitoring for credit inquiries and new accounts

 

CreditWorks Premium is more inclusive and a great plan if you’re looking to get more serious about your credit security or want to get frequent feedback on your efforts to build credit before a loan. For $24.99 per month, you’ll get everything from the Basic plan, along with more monitoring.

What comes with CreditWorks Premium

  • Three-bureau credit monitoring
  • Daily Experian credit report
  • Monthly three-bureau credit report with FICO scores
  • Account balance change monitoring
  • FICO score simulator
ASL Insider Tip

ASecureLife insider tip

If you’re not sure whether you want to commit to paying such a hefty price for Experian, you can sign up for a trial that costs only $4.99 for the first month. Just be sure to cancel before the plan automatically renews if it’s not a good fit.

The premium package also offers extensive identity theft monitoring and protection, including the following:

  • Dark web monitoring
  • Identity theft insurance up to $1,000,000
  • Lost wallet assistance
  • Access to a fraud resolution specialist
  • Social Security number monitoring
  • Identity validation alerts

 

If you’ve recently had your identity or credit info stolen or are worried about identity theft, this plan gives you the tools to react quickly to suspicious activity.

CreditWorks features

Experian CreditWorks is one of the only credit monitoring services that tracks your FICO score, which can be a good get if you’re looking into a serious loan in the near future. We also trust Experian’s accuracy and like the idea of getting information about your credit straight from the source—in this case, one of the three credit reporting bureaus.

Experian CreditWorks is one of the only credit monitoring services that tracks your FICO score.

We also like that CreditWorks offers dark web and Social Security number monitoring services. If you’ve had your credit stolen, these tools can help you stay on top of where your information is used. That makes it easier to get on top of fraud early and prevent larger issues.

Standout feature: Experian security freeze

Experian offers a credit freeze to prevent credit, loans, and other services from being approved in your name.

The Experian security freeze service is free—technically, all credit freezes are free, thanks to a new nationwide law enacted in 2018—and it’s easy. You can place a freeze on your Experian credit report through the Experian Freeze Center by calling in or submitting your request by mail. If you’re an Experian customer, the Freeze Center is a great way to take care of all your credit concerns in one place.

Experian IdentityWorks review

Experian IdentityWorks is Experian’s identity theft protection service that offers credit monitoring at its highest tier (much like CreditWorks offers identity theft protection at its highest tier).

IdentityWorks is a little pricey, but it offers detailed monitoring at a fair price. Plus, it can help prevent identity fraud and alert you to suspicious activity— like when you’ve misplaced your driver’s license.

Experian IdentityWorks pros and cons

Pros

  • Low-cost membership for basic services
  • Bank and credit card account monitoring
  • Family coverage

Cons

  • Only quarterly credit reports with Premium subscription

Compare Experian IdentityWorks plans

PackageIdentityWorks PlusIdentityWorks Premium
Price$9.99/mo.$19.99/mo.
Identity theft insuranceUp to $500,000Up to $1,000,000
Lost wallet assistance
Social Security number monitoring
Bank/credit card monitoring
Social network monitoring
Quarterly credit report 3 bureaus
Daily credit score (1 bureau)
Daily credit report (1 bureau)
Learn moreView PlanView Plan
Package
Price
Identity theft insurance
Lost wallet assistance
Social Security number monitoring
Bank/credit card monitoring
Social network monitoring
Quarterly credit report
Daily credit score (1 bureau)
Daily credit report (1 bureau)
Learn more
IdentityWorks Plus IdentityWorks Premium
$9.99/mo. $19.99/mo.
Up to $500,000 Up to $1,000,000
3 bureaus
View Plan View Plan

*Data effective 03/08/2019. Offers subject to change.

IdentityWorks price

A subscription to IdentityWorks Plus is $9.99/month with a 30-day free trial. We suggest it for anyone who has basic concerns about identity fraud. You’ll get some basic identity protection and a bit of credit monitoring.

What comes with IdentityWorks Plus

  • Dark web monitoring
  • Identity theft insurance up to $500,000
  • Lost wallet assistance
  • Social Security number monitoring
  • Address change verification
  • Daily Experian credit report
  • Daily FICO score
  • Credit inquiry notifications
  • Account balance change notifications
  • New account notifications
ASL Insider Tip

What is a FICO score?

The terms FICO score and credit score are often used interchangeably, but FICO is one type of credit score. It’s also the most popular.

Of all Experian’s offerings, we like the IdentityWorks Premium plan best. It’s great for someone looking to take serious action against identity fraud, whether they’ve been a victim of identity theft or not.

At $19.99 per month with a 30-day free trial, the Premium plan gets you everything from IdentityWorks Plus, along with a few extras.

What comes with IdentityWorks Premium

  • Up to $1,000,000 in identity theft insurance
  • Bank account and credit card monitoring
  • Identity validation alerts
  • Social network monitoring

 

IdentityWorks Premium also offers most of the same perks of CreditWorks Premium, including credit reports monitored by all three bureaus and a daily Experian credit report. The main difference is that IdentityWorks offers only a quarterly three-bureau credit report, where CreditWorks offers that service monthly.

IdentityWorks features

Both IdentityWorks plans offer a FICO score simulator, which can help prevent or catch identity theft. It also can help you manage and improve your finances, whether your identity is stolen or not.

What customers are saying about Experian

Although Experian offers accurate and comprehensive services with CreditWorks and IdentityWorks, many users describe a negative customer experience.

Some users complain about being given the runaround when trying to cancel their subscription. Some reports say that getting in touch with an actual person can be complicated, often taking hours.

Our recommendation

For most people, we recommend Experian IdentityWorks Premium. It’s the most comprehensive plan, puts together the best parts of Experian’s monitoring services together for a fair price of $19.99/month, and is a great choice if you’re looking to keep track of your finances.

On the other hand, we have serious concerns about Experian’s customer service. If that’s important to you too, we recommend IdentityForce. It has great credit monitoring and identity theft protection services and would make a good fit for most users looking to make both their credit accounts and identity more secure.

>>Decisions, decisions. Ready to make yours? Check out Experian’s subscription plans.

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