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Experian IdentityWorks Identity Theft Protection Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
16 Customer Comments & Reviews - see all comments
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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.
 
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Experian IdentityWorks - Overview

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.

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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16 Customer Comments & Reviews

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batemanrandall
4/21/2021
Received it as a free service after one of the never ending 'data breaches' by institutions. Signed up, checked the info, there was a problem, and the only way to address it was to call (no email, online chat, etc.). On the phone with muzac holds for over 30 minutes, still no answer. Glad I didn't pay for the service, wouldn't recommend others pay for it - if there's a problem, seems not much you can or they will do about it.

adsurfdailyabq
4/16/2020
I had this for a few years and felt good about it.. Then I decided to login to the website and see if anything was amiss. My credentials would not work, it said my email address wasn't on file (even though I get an email from them every month), then you can authenticate with your SSN, nope, never heard of me! I'm paying $12 a month for what? I canceled my credit card on file and now their hounding me to renew. Take a hike! Total garbage, glad I didn't bother to call support, it would end up like all the other reviews here. Too bad you can't rate them as a zero. Big name means nothing if you can't deliver.

Sasha V
7/5/2019
What a piece of crap tool. Outside of the clean looking site, the Boost tool just doesn't work. I am unable to authenticate into PNC (API issues at Experian) and nothing was found via my Huntington bank account, even though I pay all of my bills via electronic transfer. Their "boost" doesn't work at all and their customer support, whom barely speak English (sound like they just ran across the border and this was the first job they were able to find) have no clue on how the system works and are COMPLETELY non-technical. This includes the female supervisor that I spoke to... completely useless individual, I could barely understand her.

M
Mary F
4/2/2019
It’s difficult getting ahold of an agent who can help with upgrades in service, answer questions about your account as it appears on the screen or Inaccessibility to information and options appearing on the screen that you either want or think you’re paying for. For example, was there inquiry about my social security, and if so, did it appear on the dark web?

Alexander C
2/12/2019
Can't talk to anyone at this company. Terrible customer service..... I am cancelling my subscription based on this....

Jean G
2/11/2019
Very frustrating to be notified by Experian that my credit score has dropped significantly . After 2 hours I finally was able to speak a with real person, rather than a computer. NObody can explain why this happened. My debt is greaty reduced, no new loans, no inquiries. I have been in tears.

S
S F
1/3/2019
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 Carrie Higginbotham, 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. Inaccurate and unreliable product!

D
Donald
1/3/2019
I have not been able to access my account for months. I have my user name and password written down and available. I'm told it is not valid. When I submit my email for user name, it never comes. When I ask for help, a robot refers me back to sign-in. I get no help at all. I will cancel and find a more responsive company.

Jeff F
11/9/2018
Stay away from Experian. We had a membership for the past 3 years and I did like the service. My wife was locked out of her account and we tried calling them and not 1 person answers the phone. It took 3 days to cancel our membership. Avoid at all costs.

D S
11/8/2018
You would think that Experian being as large as it is, would have better customer service. My problem is that Experian automatically renewed both my wife and my subscriptions. This would normally be great because you get uninterrupted service. HOWEVER, when I tried to log into my account, neither my wife nor I showed up as a member. Yep, we are paying for a service and not even a member. I tried to call the customer support phone number for some help, and its all ROBO-DIRECT. You can't press "0" for operator or ask for "Representative". When I called their customer support number, I had to give my social security number, whereby I was promptly told I'm not in there system and then... Read More

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