- Daily refresh rate
- Automated monitoring
- FICO scores
- Education center
- Mobile app
We feel that it's worth noting that Experian's website has what we consider to be a fantastic and easy-to-use interface. In fact, our review team feels the level of polish and design is an order of magnitude higher than comparable offerings from either of the other two credit bureaus.
Daily Refresh Rate
Members of Experian Credit tracker enjoy unmatched access and insight into their Experian credit report. With the option of being able to refresh their Experian credit report as often as once per day, customers that are at especially high risk of identity theft will be able to catch changes to their report the moment they happen. It is worth noting that the daily updates to this credit report also include a daily update to their FICO score based on that report, which is a compelling value.
In addition to providing users with full access to their Experian credit report and score each day, Experian also provides automated monitoring and alerts to users (via email or through the mobile app) of any suspicious or major changes to their report, such as new accounts being opened, inquiries, or changes of address.
Experian is the only credit bureau to include true FICO scores as part of its standard purchase options; the other two bureaus either don't offer it or charge extra to see it. Additionally, Experian provides a fairly comprehensive list of credit factors that are influencing your score, helping you to know what to do in order to improve it.
In addition to its core credit monitoring functionality, Experian also includes a robust credit education center with their membership, which our review team found to include a wide range of up-to-date, authoritative and accurate consumer credit information. It's a great resource for newcomers and credit monitoring veterans alike who are seeking to better understand their credit health and the many factors affecting it.
Additionally, we do want to call out the credit score simulator included as part of the subscription, for those who are unfamiliar with such tools, simulators allow customers to see how different financial decisions might potentially impact their credit score, like filing for bankruptcy or paying down credit card balances, taking out a car loan, and more. Because this simulator is powered by FICO, the predictions are as accurate as can be expected from tools like this.
Experian's mobile app for iPhone and Android has earned high praise for its ease-of-use and polished design, with solid ratings on both the Apple and Android app stores. It's ease of use, stability, bug-free experience, and attractive design is noteworthy. We especially liked the integrated video tutorials included with the app that help users to understand how to use it in order to do everything from disputing an inaccurate item on their credit report to tracking their score over time.