Experian IdentityWorks Identity Theft Protection Review


Rating: 9.7 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
How is Experian IdentityWorks rated?
9/10
Credit Monitoring
10/10
Information Protection
10/10
Recovery Services
10/10
Insurance
10/10
Customer Service
10/10
Service Agreements
10/10
Cost
10/10
Reviews

Experian IdentityWorks - Overview

Headquartered in Ireland and employing over 17,000 people worldwide, Experian plc is one of the three main credit bureaus and a worldwide leader in consumer and business credit reporting. On the consumer side, the company offers a variety of programs designed to help people understand, monitor, and improve their credit. One of the products Experian offers is IdentityWorks. IdentityWorks is a convenient and comprehensive credit monitoring service combined with an extensive identity theft component. IdentityWorks is available in two versions, Plus and Premium. Plus gets you credit alerts, daily Experian FICO score, and $1 million in identity theft insurance. Premium offers all the features of plus including quarterly FICO scores and credit reports from all three bureaus, plus a host of extra alerts.

As 90% of potential lenders use the official FICO score from either Experian, Equifax, or Transunion, knowing this score from all bureaus is valuable, and the best way to get a true and accurate picture of your credit health. Considering this, alongside Experian's solid identity protection features, the $19.99/month Premium plan is a great value and useful resource.

What does it protect?

  • Social Security Number Trace Alerts
  • Experian Credit Monitoring Alerts
  • Experian CreditLock with Alerts
  • Change of Address Alerts
  • Court Records and Booking Alerts
  • Financial Account Takeover Alerts
  • Non-Credit Loan Alerts

Services

Dark Web Surveillance Alerts

IdentityWorks monitors over 600,000 websites worldwide, searching millions of data points to find if your information is being used somewhere without your knowledge
Credit Monitoring & Alerts Plus plan features daily monitoring and alerts, not to mention official Experian FICO score refreshed daily. Premium plan features monitoring and alerts for all three bureaus. It also offers quarterly reports and official FICO scores for all  three bureaus.
ID Theft Insurance IdentityWorks will spend up to $1 million on costs associated with regaining stolen identities. Some of these expenses can include: stolen funds, lost wages, legal fees, and travel expenses. 
Fraud Resolution In the event of fraud, customers are assigned a dedicated specialist that will work with them to restore credit. 
Credit Report Lock Experian allows you the ability to lock your Experian report completely so no one can initiate credit inquiries, and identity thieves cannot have access. 

Features 

SSN Monitoring

Discover and alert any names, addresses or aliases using your social security number.

Bank & Credit Takeover Alerts

Detects if someone has used your information to open a bank account, or if there has been any out of the ordinary changes to your existing bank account.

Change of Address Alerts 

This will detect and notify you if your USPS mail has been redirected. 

Payday & Non-Credit Loan Alerts

If someone has stolen your information to apply for a no credit or payday loan, or a rent-to-own offer, this service will discover it. 

Court & Booking Records 

If your identity has been used to conduct criminal activity and the perpetrator gets involved with the authorities or court system, this service will detect and inform you.

Sex Offender Alerts

Get alerts of registered sex offenders in your area, and also if an offender registers in your name. 

Mobile App

Lock your credit report in seconds from desktop or mobile device.

Price

IdentityWorks is FREE for 30 days, then $9.99 per month for Plus or $19.99 for Premium. 

Application

In order to process your application for IdentityWorks, Experian will need the following information:

  • Name
  • Address
  • Phone Number
  • Email
  • Social Security Number
  • Birthday
  • Credit Card Info

Identity theft Protection with Experian IndentityWorks

For the price, Experian's identity theft protection offering is pretty impressive. Not only do you get all of the features you would usually expect from the best identity theft protection companies, you also get the strongest credit component out there. Aside from myFICO -- which is more expensive -- identity theft protection packages generally do not give you access to your official FICO score. This is a valuable commodity in and of itself. Other players typically give you a VantageScore, or "educational" score. While these scores can still be valuable in helping you understand your credit picture, they can also be many points lower or higher than the actual score most lenders and financial institutions will be looking at. IndentityWorks provides you with the Experian score daily, and all three scores and credit reports quarterly. 

Other notable features include the quick credit report lock, the breath of websites monitored for your information worldwide, and the dedicated fraud assistance. 

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