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112 User Reviews

6.3

Overall Score

LAST UPDATED: July 4th, 2022

The newest and largest of the three major credit bureaus, Experian has been in business since 1996. The company offers competitively priced triple-bureau FICO credit reports in addition to triple-bureau credit monitoring. You can also order credit reports from Experian on an as-needed basis.  Although its free service only actively monitors one of the three credit reports, paid subscriptions to its credit monitoring and identity theft services include a number of bonus features and functionalities including identity theft monitoring and alerts, dark web surveillance, credit file locking, and fraud resolution. 

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The Good

  • Daily Refresh Rate
  • Automated Monitoring
  • FICO Scores
  • Education Center
  • Mobile App

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 are 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.

Automated Monitoring

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.

FICO Scores

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 appear to 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.

Education Center

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, a credit score simulator is included as part of the subscription. 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.

Mobile App

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 helps 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.

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The Bad

  • Trial Complaints
  • Additional Fees
  • Data Breaches

Trial Complaints

We have seen numerous complaints about the trial offered by Experian where the customer was unaware of the full cost of the service after the trial, they didn't get the full seven days of monitoring, or they had difficulty canceling the service. Depending on where you sign up for the service, the trial length varies. On its main website, Experian offers users a full month of access for $4.99, after which it costs $24.99 per month. Either way, we advise customers to give themselves plenty of time to call in and cancel before the bill comes due in order to allow time for any unexpected cancellation difficulties.

Additional Fees

Subscribers to Experian may be disappointed to find that the free service doesn't give them unlimited access to credit reports and scores from the other two major credit bureaus, Equifax and TransUnion. If a customer wants to view either of these reports, they will need to pay an additional fee to pull them. For those who are looking for a way to regularly monitor all three credit bureau reports semi-regularly, this cost will add up. 

Data Breaches

Experian data breaches have occurred as recently as 2017. This breach had nothing to do with its credit monitoring customers, but it reflects poorly on Experian's ability to guard consumer information in general. Experian has also dealt with some legal issues surrounding claims of unsecured customer information and credit report inaccuracy. While these lawsuits were against the credit bureau in general, rather than anything specific with the credit tracking services it offers, security failures of companies that provide ID theft protection are extremely troubling. Unfortunately, all three major bureaus have been hit with lawsuits in recent years. 

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The Bottom Line

For those looking for an ongoing subscription option, Experian provides regular access to reports and scores from Experian. The company offers daily refreshes, FICO scores, and credit monitoring and reports for an affordable price. Although the company has set up monitoring to alert you of key changes on the other two bureau's reports, the free version does fall short of being a comprehensive credit monitoring solution. Nonetheless, the information provided can assist you in building or rebuilding your credit.

And if you're willing to pay for a monthly subscription, you get credit monitoring for all three credit bureaus along with extras like the ability to lock and unlock your Experian credit file and get coverage for identity theft insurance up to $1 Million. 

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Star Rating

3.4

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112 Reviews

Review Breakdown

5 grade

39%

4 grade

19%

3 grade

10%

2 grade

4%

1 grade

29%

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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.

5 months 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.

7 months ago

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Marybeth Whelan Raleigh, NC

I monitor my credit scores with all 3 agencies and have been consistent across the board for 5 years. I recently received a downgrade of 40 points with Experian and an email advertisement for Experian Boost. I have no negative notations since 2012 (2 late 30 days) that are on all 3 agency report. Nothing in my credit spend has changed in the last 18 months. No other agency has dropped, in fact: TransUnion moved me to exceptional. I feel they are holding me hostage if I don't sign up to Boost my score back to the high end of Very Good - a rating I have had over 5 years.

3 years ago

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Shauna Lyons Omaha, NE

Since I use credit karma, I just put this on for a boost. It did not work for me and seems that credit Karma and this app says the same thing

7 months 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.

2 years ago

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Mike John Logan, UT

For all the hype and money spent on commercial thought their product would be cleaner and easy to use. Not really!

6 months ago

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Jarrett Ingram Newport News, VA

Decent credit monitoring site. Scores are usually way off from official scores. Would not recommend someone purchase, but the free version is a solid tool.

1 year ago

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Kurt Lucas Olney, MD

I feel very comfortable with the security the Experian offers me. It is reassuring with all the cyber-crime in the world today. Great customer service as well.

1 year ago

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Karina Aguilar Managua, MN

experian has up to date info on your credit score and gives you mostly accurate credit reporting

2 years ago

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Kurt Lucas Olney, MD

Not going to use Experian again. Customer service is not very quick or friendly.

1 year ago

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Jessica Mendez Clarksburg, MD

I hate that everything is by phone and by mail. Customer service sucks

1 year ago