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Experian Credit Reporting Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
9 Customer Comments & Reviews - see all comments
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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?

Breakdown

4.0/5
Plans and Pricing
5.0/5
Report Details and Frequency
5.0/5
Credit Bureau & Credit Scores
4.3/5
Monitoring and Extra Features

Overall Rating: 4.5 / 5 (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

Report Details and Frequency - 5 / 5

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

Equifax
Experian
TransUnion
Credit Report Frequency
Monthly
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Credit Bureau & Credit Scores - 5 / 5

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
$1,000,000

Experian Plans & Pricing

Plans and Pricing - 4 / 5

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?
Yes
Free Report Offered?
Yes
Monthly Price
Starting at $9.99
Annual Price
Starting at $99.99

Experian Reputation & Support

Monitoring and Extra Features - 4.3 / 5

Although not accredited by the organization, Experian has received an A rating with the Better Business Bureau, though it is based on 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
Yes
Alert Methods
Email
Mobile App

Customer Feedback

BBB Rating
A
Trust Pilot Rating
4.4 out of 10
Date Collected
2019-03-01

Contact & Additional Company Information

Year Founded
1996
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

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9 Customer Comments & Reviews

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7debward
7/10/2024
DO NOT PAY ANYTHING TO THIS COMPANY!! They are misleading at best.


chabue
3/16/2024
I opened a free acct with them to check my credit each year. They sell your phone number and address to every predator out there. I ve been receiving a call per hr since opening the acct. I had to get google phone app to screen calls. The callers are scammy. What kills me is that experian is fighting scam and fraud, yet they sell your info to every telemarketing fraudulent scum out there. I cant get the acct closed


Don W
10/11/2023
I read an earlier comment the the email for the Experian email for the account had been changed but they did not change it. I have had the same experience and it is because the security for Experian is lax. They are easily hacked and once the bad guy has modified you account it opens the door for exploitation of your credit. The Experian security is lax. Accounts can be easily hacked and exploited. So be aware of exploitation and freeze the account. This is a free service. But because they are so venerable to hacking the information is nonsense. Also the hackers know how easy it is to hack their system , they use it to defraud consumers. Beware of the this consumer credit agency. Until... Read More


bentleygrad
9/9/2022
I received an email from experian support stating the email address on my account had been changed. I did not change it. I was also unable to access the account. I immediately tried to contact Experian. Apparently immediate is not something they do. The best I could do was send an email to their support. Two days later I received a response from their support stating the account was locked with instructions to snail mail copies of documents to their office. Did this twice with no response twice.


hilliardjoyce422
2/1/2022
I make use of experian to check my credit scores and it's okay. I used CreditMason to permanently remove the delinquencies on my credit report and that had a huge impact on my credit score positively, you can look up the company on google if your credit needs some improvement. Their credit restoration process is effective and reliable.


redbluegreen369
12/10/2021
There is absolutely no information on how I can screen my tenant. All Im looking for is to submit the application form and get back results


jerseymissouri
1/11/2021
I have just about had it with credit reports and credit scores. My score has gone down if I obtained credit. My score has gone down down for using credit. AND my score went down because I was NOT using credit (yes -- they actually told me that). Beyond lame. When my credit score increases, the occasion is like the outcome of some magic trick or a random, divine intervention. I have no idea why it increases Typically, it increases in increments of just a few points. When it has dropped, on the other hand, the decrease is always between 25 - 44 points. Outrageously ridiculous. My credit has been immaculate for years -- I should be (and should remain) at... Read More


B
Bitten b
9/26/2019
How did you come up with the 4.5 rating??? This company is supposed to protect its customers from credit fraud. Yet, Experian systems allowed a potentially fraudulent transaction to execute inside their own systems without warning or alerts. someone else's payment for a credit report, with completely different name and address, was charged to my credit card on file, all while telling me the card is invalid and membership fees cannot be charged to it. To add insult to injury, the card in question is listed by for monitoring for any suspicious activities. There is a final straw. When I contested the charge, Experian customer service uncovered the problem, and I asked about refunding the... Read More


Ellen H
8/15/2019
Worst company ever. I have been trying to reach a real person for 2 days. I have tried every number listed and only get recording that eventually hang up. For a major credit reporting company they are virtually impossible to reach. There is a problem.



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