Rating: 9.1 / 10 (Excellent)
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Founded in 1996 in Dublin, Ireland, Experian is a consumer and business credit reporting and marketing agency offering credit score and identity theft protection as well as risk management, fraud prevention, target marketing, and automated decision-making solutions. The company currently supports clients in more than 80 countries and employs approximately 17,000 people in 37 countries.

How is Experian rated?


Credit Score & Reports
Monitoring & Tools
Plans and Pricing
Reputation & Support

Overall Rating: 9.1 / 10 (Excellent)

As one of the three major credit bureaus, Experian offers unparalleled protection against fraud and identity theft through innovative plans and solutions. The company heavily emphasizes the importance of credit literacy, and to that end, publishes helpful articles that promote good credit management practices. They also have a toll-free hotline where consumers can have each part of their credit report explained to them by an experienced representative. Overall, Experian offers excellent security features at prices that are on par with industry standards, which makes them our go-to consumer credit reporting service.

Credit Score & Reports

Credit Score & Reports - 10 / 10

Experian provides monthly credit reports and FICO scores free of charge, yet there is a one-time fee of $39.95 for people who want to access their credit reports and scores from the two other major credit bureaus, Equifax and TransUnion. Credit reports obtained through Experian are updated monthly and can be accessed anytime from their website or mobile app.

Credit Bureaus Covered

Credit Report Frequency
Access to Credit Scores
Access to Credit Reports

Monitoring & Tools

Monitoring & Tools - 10 / 10

Experian helps consumers take control of their credit information by providing credit reports and scores, as well as credit monitoring and identity theft solutions. Apart from their IdentityWorks Plus and Premium products, which feature dark web surveillance, up to $1 million in identity theft insurance, and identity theft monitoring and alerts; the company also offers CreditWorks, which includes additional features like credit score tracking, three-bureau credit monitoring, and toll-free support from fraud resolution agents.
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Historical Score Tracking
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Restoration Support
Identity Theft Insurance Limit

Experian Plans & Pricing

Plans and Pricing - 8 / 10

Experian offers a free 30-day trial of their IdentityWorks Plus and Premium plans, which are priced at $9.99 and $19.99 a month respectively or $99.99 and $199.99 for the year. The CreditWorks plan is available for $4.99 for the first month and then $24.99 each additional month.
30-day Trial Available?
Free Report Offered?
Monthly Price
Starting at $9.99
Annual Price
Starting at $99.99

Experian Reputation & Support

Reputation & Support - 9 / 10

Although not accredited by the organization, Experian has received an A- rating with the Better Business Bureau and a composite score of 3.46 out of 5 stars based on 17, mostly negative, customer reviews. They have also received a considerable number of customer complaints due to problems with their products and services, yet most appear to be associated with disputes over incorrect consumer credit information, and the company seems invested in providing adequate resolutions for each case. On a different note, Experian offers a convenient mobile application for both android and apple phones, with push and email notifications that alert clients of any changes in their credit information.
Mobile App
Alert Methods
Mobile App

Customer Feedback

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
4.2 out of 10
Date Collected

Contact & Additional Company Information

Year Founded
Homepage URL
Company Phone
(714) 830-7000
Headquarters Address
475 Anton Blvd, Costa Mesa, CA, 92626
Mailing Address
475 Anton Blvd., Costa Mesa, CA, 92626

Top Rated
Our Partner
9.1 / 10
  • Experian is an official credit bureau
  • Get your FICO® score for $1
  • Credit reports from all 3 credit bureaus
  • Daily monitoring, toll-free support & 4.5 stars in Google Play
  • Identity Theft protection available