Name: Experian
Rating: 4.3

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Cam Hall Palmyra, VA

I appreciate Experian's free credit monitoring option, but also think it's not a great credit monitoring option on its own since it doesn't factor Equifax and TransUnion scores. They also have a VERY archaic method for disputing credit updates and transactions. As a free tool, though, it's fine for credit monitoring.

2 years ago Edited January 3, 2022

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Tiffany I Gaithersburg, MD

Experian is a great way to monitor my credit. I’m able to see if there’s any alerts or immediate issues with my credit. I can dispute tradelines directly on their site if I see any inconsistencies.

2 years ago

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Heather Milke Olney, MD

Experian is very helpful because you can keep your credit in the "freeze" mode so that no one else can sign up for credit cards in your name without you knowing. It is a worthwhile service.

2 years ago

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Silvia Lobendahn Orem, UT

When I found out that my identity had been stolen, I called experian and they offered to track my credit for free for a year. It might make it harder to apply for loans, but I am glad that they offered this a measure of security.

4 years ago

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Kathie Bowman Lakeside, CA

I use experian on the daily for my job and the website if very easy to understand read the reports. If you want to look at your report to see what is on there then experian is the way to go

5 years ago

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Aaron Anderson

Efficiently monitors credit, easy interface, reliable alerts.

5 months ago Edited November 20, 2023

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Stephanie Faenza Phoenix, AZ

I’ve used this, but it isn’t my go to. I believe you need to pay for better features which I don’t see the need for personally.

8 months ago

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Shannon Cummings

Poor customer service I was a victim of their data breach and was promised compensation and I never received a penny. They let someone buy a home with their information leak.i no longer trust this organization

9 months ago

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Heather H Sanford, FL

Experian is a good tool to track your progress and scores. Experian is user friendly, but doesn't always provide the most up to date information.

11 months ago

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Chad Edgar Columbia, MO

Not only does experience keep tabs on your credit history and keep finding you ways to make your credit better experience the best for protecktion service

2 years ago

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Jim Bullhead City, AZ

I have found out with there app they will notify you right away when something happens to your credit. You can relax and let them do the work.

2 years ago

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mayguoren Spring, TX

difficult to correspond via mail: despite enclosing of copy of DL, utility bills, SS, I was told it wasn't enough, Experian responded by sending me a generic letter asking for the same proof of ID, utility bills SS etc, it seems as though these people either illiterate or try to frustrate you to the point you stop writing a dispute letter

4 years ago

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Robert McKenna Port Jefferson Station, NY

So I trusted Experian and that was a Big Mistake. They have all my credit info. so when they LIED to me and said they "FOUND" 5 credit cards that if I applied to would help my credit score I foolishly believed them. The very first one I applied for at THEIR suggestion denied me and my credit score went down. I would have never applied had they not said the FOUND credit cards for me that would boost my rating. LIARS- Don't trust them

4 years ago

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No man Knoxville, TN

Every contact number is a recording that hangs up on you. I wanted to file a dispute and the site would not take the information and gave me a number to call which was another recorded message. No human options. I was hacked and identity theft and had frozen my credit bureau accounts and a fraud alert. This was done on Aug 8 and Experian allowed the hacker to change the address in my credit file on Aug 17

4 years ago

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Nancy Zhao San Jose, CA

Experian membership is a SCAM!!! It put recurring charge to my credit card for $14.99/month for months and I didn't even remember signing up for it. When I called to cancel the membership, the phone repeatedly got dropped. I have never had such horrible customer service. It is hard to believe the phone calls would get dropped repeatedly, I suspect the customer services just hang up. I just couldn't cancel it. What do I do? I can't believe Experian will use such tactics.

4 years ago

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Anne E Irish Nampa, ID

My bank account is being charged repeatedly for a service I NEVER wanted or agreed to and wouldn't you know it I can't get in touch with anyone to find out how this happened, not to mention paying for something like this when I already use credit karma and couldn't pay anyone to steal my identity IS A JOKE! The only identity theft happening here is from Experian and I WANT MY MONEY BACK IN MY BANK ACCOUNT IMMEDIATELY.. CROOKS!

4 years ago

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Jian Aurora, CO

Experian is a scammer company that will charge from your credit cards without any permission from you. I paid $4.99 one time fee to dispute some credit report errors without signed up for any free trials or wish to become a paid membership, then I got charged $14.99 on my credit card for the paid membership monthly fee that I didn’t sign up for. This is a straight up robbery!

5 years ago

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Cody Sturgill Fletcher, NC

Experian is TERRIBLE! I signed up for a free or $1 credit report nearly 4 years ago. Since then they have charged my credit card more than $20 a month. I'm certain this was in the fine print (stupid me). I have attempted to cancel a few time through the years (over the phone(the only way you can cancel)) but have had to give up after hours on hold. Experian are theives and scammers!

5 years ago

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[email protected]

I would not recommend this service. They do not update your details. They only know what you told them. Their whole credit protection system is a scam. I had new address and new loan on my account and they haven't picket this up. They delay refund process, on basis of complaint policy, 8 weeks time. if you end up chargingback they delay it even more and you loose at least 2 months payment. Do straight chargeback don't even bother speak to them if you want your money back. From experience it is better to get credit card with direct debit on full amount and make sure you are on electoral roll.

6 years ago

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Cynthia Warren Township, NJ

When trying to validate my new "complimentary" experian id account, Dorothy would not let me finish why I was calling. She said repeatedly, don't be rude to me. I was trying to tell her what happened when I was trying to register. She said, it's going to to take 15 minutes. All I said, is let's get started now if it's going to take 15 minutes because I don't have very much time....very bad service considering my identity was breached by Caliber Home Loans

6 years ago

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Ron Durfey Orem, UT

Experian was great because they were very on the ball in providing me updates on my credit and what changes may have effected my credit score. With their service I was able to stay on top of my credit and keep my score above 800. Great service and worth the money.

2 years ago

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Jordan Bell Orem, UT

Experian credit monitoring is really simple and intuitive. I love how they offer credit usage alerts and ways that I can improve my credit. They also have listed what might be affecting my credit.

2 years ago

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James Goodman Port Orchard, WA

Experian is a trusted and is extremely helpful in monitoring credit factors. They need to streamline their online mobile app. I noticed recently it tends to run clunky and has had many recent "down for maintenance" notifications. Not bad, could be better.

2 years ago

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hminfo Olney, MD

Experian is great because you can use the credit freeze feature, which makes it so that others can't apply for a credit card in your name without you knowing about it.

2 years ago

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Jen Burt Herriman, UT

I like the services that Experian provides. It tracks my personal data and sends me emails when it finds anything that looks fraudulent. I was provided this service for free due to a breach of my information.

3 years ago

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Carol Knight Salt Lake City, UT

Experian is a great place to track any credit issues. They have consistently protected my credit and alerted me when there has been any questionable activity.

3 years ago

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Wayne Young Little Rock, AR

Experian is a great bird dog for your personal credit. They are quick to inform me when there has been any activity, and they "locked" my credit very effectively.

3 years ago

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Mickey Mangum Long Beach, MS

I have a free credit report through experience. I receive emails when my score goes up or down and I am able to see what factors affect my credit in the website. Very efficient website.

4 years ago

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Amanda Purpura Gibsonia, PA

I received a free year of credit monitoring from this company and they really did a great job of flagging potential issues. Very proactive and helpful.

4 years ago

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Eric San Diego, CA

Most accurate credit reporting agency in my opinion. I have had the least amount of trouble using this as opposed to the other two. Would definitely recommend.

5 years ago

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Celia Waipahu, HI

Experian keeps us up to date with our credit and activity. That is what we always look forward too to see where we are at with our credits and what we could do to improve it.

5 years ago

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Anne Kimball Salt Lake City, UT

We had an identity theft scare last year and used Experian to lock our credit and it gave us an incredible amount of peace of mind. It also gave us information on our credit!

5 years ago

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Mindy Clarke Tacoma, WA

Very accurate on my score and I love the Experian boost, helps you score go up quicker.

9 months ago

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Noureddine Lalami Brentwood, CA

Pros. Solid credit monitoring program. Quick notifications when changes happen. Cons: Monthly costs are a bit too expensive.

2 years ago

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Paul Stein Toronto, ON

Experian has blocked every attempt at leaving negative accurate comments... they need sued for arbitrarily lowering credit scores 41 points in a single day for 1 credit inquiry to refinance my mortgage. Criminal behavior that will be addressed at the FEDERAL LEVEL. NO BAILOUTS EVER AGAIN, HIT THE CONCRETE LIKE IT'S 1929.

2 years ago

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vickie Callahan, FL

After multiple attempts at answering questions through phone about my credit freeze I could never get a temporary lift. You can never get to a live person to fix problems. Equifax is the best and TransUnion is much better than Experian. If you can avoid using them save yourself time and frustration and stay away!

4 years ago

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Facemask New Port Richey, FL

Horrible customer service they never answer the phone they hang up or are rude I’ve disputed something 7 times with evidence and they still can get it right. They listen to the company’s rather than the consumer. False information reporting is illegal next step lawyer.

4 years ago

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S F Brooklyn, NY

Inaccurate and unreliable product! STAY AWAY!!! After paying and paying for months for the product I had an issue. While speaking to a top supervisor in Experian she clearly admitted that this product is totally not accurate and you can't rely on it. But they still refused to refund the membership. Worst customer service ever.

5 years ago

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Jessica Gough Loganville, GA

Worst company, the moment u call to cancel you are told you have a minimum 2 hour waiting time. I literally called 4 times during their office hours and could never get service. I literally had to call my bank to block them from my account

6 years ago

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helen danache La Quinta, CA

They get a ZERO. IT IS A HUGE SCAM. EXPERIAN OFFERS A CREDIT REORT FOR $1 AND THEN GIVE THE INFO TO "SCORESENCE.COM, WHO IMMIDITALY START CHARGING YOU MONTHLY. THEY CHARGED ME $29.95 FOR 17 MONTHS. OVER $550+ I AM TRYING TO GET IT BACK. THERE SHOULD BE A CLASS ACTION SUIT AGAINST THEM. IT'S CRIMMINAL!!!!!

9 years ago

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Shopman Herriman, UT

I like that I can easily check my credit with Experian. I was frustrated when they had a security breach. They reached out to all their customers and worked to make it right.

2 years ago

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upnorthwi Bellevue, WA

I recently was using this to watch my credit while buying a car and refinancing a mortgage. I found that their FICO score is different from what the mortgage and loan companies had, they use another service. But I'm bombarded daily with emails to apply for credit cards, Discover mainly, add on services etc. They are a pain now with trying to sell me things. What really offends me is the emails that come stating the total amount of debt I have and how I can consolidate. That information should not be on a public email.

2 years ago

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Joannetta Jarman Secaucus, NJ

Being at our age there are lots of schemes out there to take advantage of us. We like that you pay a low fee and can lock your credit and monitor it.

3 years ago

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Patrick Curry Salt Lake City, UT

Experian has been a great service. It;s helped us stay on track and has helped us better our credit rating and know what to look for

3 years ago

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Tagg Ogden, UT

I really trust Experian for my credit monitoring since they are one of the companies that wrote the book on credit reports.

3 years ago

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Janie Dennis Tallahassee, FL

Experian is such an outstanding tool to use to keep up with your credit which is useful! It even gives you recommendations!

4 years ago

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Dwhoush Slidell, LA

I use Experian through my USAA services and it gives a good amount of information about your credit scores. It is hard to get lost in all that information as well.

4 years ago

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Cam McClellan Magna, UT

I signed up for credit monitoring with Experian. I guess it is ok but I haven’t had any credit issues where they could help me. I might cancel soon instead of paying monthly.

4 years ago

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Justin McMurtrey South Jordan, UT

Experian used to be the big dawg of the 3 major credit report Companies. They have lost a lot of credibility over the last few years with data breaches and bad reporting. I would trust the other companies the same or even a little more than Experian.

4 years ago

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Mia Hernandez Tempe, AZ

one of my favorite sites to use when monitoring my credit their reports i feel are one of the easiest to read and very self explanatory

5 years ago