Experian, which is the world's largest credit bureau, launched IdentityWorks in 2010 to provide identity protection services to consumers.
IdentityWorks offers up to $1 million in identity theft insurance as well as a suite of identity theft protection services that are divided into three distinct categories: detect, protect, and resolve.
With IdentityWorks, members can also get an easy lock and unlock credit file service and access to a credit monitoring service as well as three-bureau FICO scores.
Read on to learn more about Experian IdentityWorks and to see verified customer reviews.
IdentityWorks' services are considered to be more affordable for most consumers, especially when compared to what other companies in the identity theft protection industry charge for similar services.
The company offers two different plan options— the Plus plan and the Premium plan. Each plan comes with various identity theft monitoring services including dark web surveillance, three-bureau credit monitoring, social security number monitoring, financial account monitoring, and more.
Plans are offered for one adult, one adult and up to 10 children, and two adults and up to 10 children. It's important to note that IdentityWorks provides coverage for families while many other companies in the identity theft protection industry do not provide any type of family plan option.
IdentityWorks offers a free 30-day free trial membership for each of its provided identity protection plans.
The credit bureau's identity protection service also has an annual option available that allows consumers to get two free months of service.
In addition to the standard email and password line of defense, IdentityWorks also requires users to input the last four digits of their social security number in order to log in, which provides an additional layer of security to their account.
IdentityWorks provides its customers with up to $1 million in identity theft insurance with zero deductible. In the event of identity theft, this policy covers expenses such as fraudulent electronic funds transfers, lost wages, legal fees, and private investigator costs.
Although it's not unheard of for an identity protection service to provide identity theft insurance, some companies only offer up to $25,000.
IdentityWorks' customer support center is only open 12 hours per day on weekdays and 8 hours per day on weekends. This means that customers may not be able to get ahold of the company during an emergency.
Meanwhile, there are many other companies in the identity theft protection industry offer 24/7 customer support services.
Not surprisingly, IdentityWorks offers great detection services-Experian is a credit bureau, after all.
However, the company's identity theft resolution services are somewhat lacking when stacked up against competitors. For example, IdentityWorks does not offer the limited power of attorney or follow-through options on surveillance alerts.
While many identity theft protection companies offer free credit reports, IdentityWorks charges a fee each time a customer would like a credit report copy.
In order to sign up for an Experian IdentityWorks 30-day free trial, consumers must input their credit card information. Once the free trial is over, the company automatically bills the consumer's credit card if the consumer does not cancel services within that 30-day period.
Those who choose to try out the Plus plan will be automatically billed for $9.99 per month and those who choose to try out the Premium plan will be billed for $19.99 per month once the free trial membership expires.
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