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Experian IdentityWorks Review (2024)

Protect Your Financial Accounts & Detect Fraudulent Activity With Loan Monitoring
By Sarah PritzkerBy Sarah Pritzker -
Last Updated: Jun 09, 2023
logo-EXPERIAN®
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Price
From $9.99/month
Insurance coverage
$1 million
Number of Devices
Individual or family option (Unlimited children)

Our Verdict

Is Experian IdentityWorks Worth Signing Up For?

IdentityWorks is the identity theft product from popular credit bureau, Experian. With a name already synonymous with identity security, you can bet this ID theft option is going to be a good one, and in fact, it is. IdentityWorks offers instant credit file lock, extra secure login requirements, and easy online signup. What's more, you can also get a 30-day free trial, discounted family plan, and affordable plans for everyone.

Price
From $9.99/month
Insurance coverage
$1 million
Number of Devices
Individual or family option (Unlimited children)

Experian® at a Glance

9.6
Editorial Score

Additional Protection

CreditLock, an automatic lock on your Experian credit file
9.0

Monitoring

3-bureau credit monitoring, daily FICO score, dark web, public records, loans, SSN, financial account takeover, sex offender registry
10.0

Theft Insurance

ID theft insurance up to $1 million, dedicated restoration specialist, lost wallet replacement
10.0

Customer Support

1 888 EXPERIAN (1 888 397 3742) from 6-8 PT on Monday-Friday, & 8-5 PT Saturday & Sunday
9.0

Scalable Plans

2 pricing plans, Plus and Premium, sign up for the annual plan and get a 17% discount
10.0

Experian® Pros & Cons

PROS

Free 30-day trial
Family plans available
Affordable and cost-effective

CONS

Customer support is not available 24 hours, 7 days a week
Have to pay for extra full credit reports

Top Experian® Reviews

Kim Ready
It helped me to understand all of the information that can impact credit scores.
It helped me to understand all of the hurdles that can impact my credit score. You should have a way to cancel the monthly $39.99 fee to have complete access. We didn't have to contact you to sign up, but we have to contact you to cancel.
Bl
Blanche
Getting credit for good rental and utilitiy records
Finally get credit for Rental payments
HB
Herminio Barragan
I gained 24 points with the boost…
I gained 24 points with the boost helped tremendously!
See all Experian® reviews

How do I know I can trust this Experian® review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

Experian® Experian® Visit site

How Experian IdentityWorks Works

Sign up with IdentityWorks by choosing a plan and entering your personal information into the secure site. Experian will begin monitoring your accounts within 48 hours of signup, though it can take up to 4 days to get total coverage (including Equifax and TransUnion monitoring).

You’ll receive some introductory emails from Experian explaining exactly how to set up your account. Unlike some software-based options that scan your devices for questionable behavior or data breaches, IdentityWorks monitors your personal accounts and sends out notifications if any red flags are triggered.

What Does Experian Watch Out For?

IdentityWorks has exceptionally good coverage for identity theft protection. Probably because it is Experian (a credit bureau that knows an awful lot about credit, personal data, and identity theft), IdentityWorks offers more than the average spread of credit monitoring services. Some of them include:

Credit monitoring

Monitoring of all 3 major credit bureaus, Experian, Equifax, and TransUnion.

Credit alerts

Notifies you of new credit inquiries, new account openings, credit utilization, positive activity, dormant accounts in your name, and basic FICO score alerts.

Reports

You’ll get daily FICO score reports based on Experian data. Plus, if you are on the Premium plan, you’ll get quarterly 3-bureau scores.

Dark Web surveillance

No matter what plan you choose, you'll get dark web surveillance. IdentityWorks scans more than 600,000 dark web pages for personal identifying information.

Public records monitoring

This service includes monitoring of many types of social records including court records and arrests. This will also let you know if someone changes your mailing address (redirects your mail to go to a new address, something scammers often do to intercept your mail).

Loan monitoring

This is a huge benefit. IdentityWorks will notify you if someone attempts to take out a loan in your name. This can include payday loan monitoring and other types of loans as well.

SSN monitoring

Another vital ingredient to identity theft protection, Social Security monitoring tells you any information that is linked to your Social Security number including any associated addresses or other names.

Financial account takeover monitoring

This will send you an alert if anyone tries to take over your bank account or to open an account using your name or other personal identifiers.

Sex offender registry

Be the first to know if someone on the registry moves in near you.

Additional services include:

CreditLock

CreditLock is an IdentityWorks exclusive feature. Basically, it is an automatic lock on your Experian credit file. What’s neat about this feature is just how simple it is to use. It is literally just a toggle switch that you can tap to lock or unlock your Experian credit file to prevent unauthorized access to your credit file.

Additional features, such as fraud resolution and ID theft insurance, are covered below.

What Can Experian IdentityWork Do If My Identity Is Stolen?

Nobody wants to think about having their identity stolen, but with statistics rising every year, it’s something that everyone should be prepared for. Having an identity theft protection plan is an excellent step, but no software is foolproof. So, the question becomes, what will the company do if your identity is stolen? In the case of IdentityWorks, quite a lot.

ID theft insurance up to $1 million

Dealing with identity theft is an expensive and painful process. One thing that IdentityWorks does to make the process less difficult for you is covering most of the expenses. Depending on which plan you purchase, you can receive up to $1 million in reimbursements. This can cover things like legal expenses and professional advice, fraudulent charges, and personal expenses that build up quickly.

A restoration specialist

This is an invaluable representative that takes charge of your case in the event of identity theft. The project manager will handle your case from beginning to end, walk you through the complicated legal and technical procedures, and help to ensure that your claims are filed properly, moved along quickly, and resolved completely.

Lost wallet replacement assistance

IdentityWorks will also help you clear up the mess of losing your wallet by helping you contact providers, cancel cards, and get replacements.

Reporting a dispute is also much simpler with IdentityWorks than it is with many other identity theft providers. You are given the option to initiate a dispute from your smartphone, over the phone, via the online Dispute Center, or by mail. You’ll receive email updates to let you know your status at every stage of the dispute process. In general, Experian resolves all disputes within 30 days, which is super fast for this type of work. Plus, IdentityWorks goes the extra mile by getting in touch with whatever third party agencies are required to resolve the dispute.

How Easy Is Experian IdentityWorks To Use?

Experian really makes IdentityWorks easy to use. After you download the software, you are pretty much free to go. You can set up alerts and decide how you want to be notified. Otherwise, the rest is taken care of by IdentityWorks.

Experian IdentityWorks Customer Support

IdentityWorks offers personal assistance through its customer support center. This is manned by US citizens who understand your issues and speak your language. The one downside to IdentityWorks’ customer support is that it is not available at all hours of the day. Instead, you can reach a representative via the below phone number from 6am to 8pm PT on Monday-Friday, and 8am to 5pm PT Saturday and Sunday. This limited customer support access may leave some consumers uncomfortable about their coverage.

Experian IdentityWorks Pricing

IdentityWorks offers 2 pricing plans, Plus and Premium. Additionally, if you signed up for the annual plan, you'll get a 17% discount.


IdentityWorks Plus
IdentityWorks Premium

Price per individual monthly

$9.99

$19.99

Price per individual annually

$99.99

$199.99

Price per individual plus up to 10 children monthly

$14.99

$24.99

Price per individual plus up to 10 children annually

$149.99

$249.99

Price per couple and up to 10 children monthly

$19.99

$29.99

Price per couple and up to 10 children annually

$199.99

$299.99xr

Benefits Based on individual account

Plus

Premium

Identity theft insurance

Up to $500K

Up to $1M

Dark web surveillance

Yes

Yes

US-based fraud resolution specialist

Yes

Yes

Lost wallet assistance

Yes

Yes

SSN monitoring

Yes

Yes

Address change verification

Yes

Yes

Bank account and cc takeovers

No

Yes

Identity validation alerts

No

Yes

Payday loan monitoring

No

Yes

Court records and bookings

No

Yes

Sex offender registry

No

Yes

File sharing network monitoring

No

Yes

Social network monitoring

No

Yes

Quarterly 3-bureau FICO scores

No

Yes

Experian-based FICO scores

Daily

Daily

Score tracking

Yes

Yes


The fact that IdentityWorks offers a family plan really makes it one of the most affordable options out there. For example, competitors may offer a lower individual rate (though $9.99 a month is pretty cheap), but those same competitors will not offer a family plan. So, you’ll have to sign up for a new coverage plan for each family member, skyrocketing your identity theft coverage.

Plus, the family plan offers child identity protection features like Social Security number trace and social network monitoring.

Experian® Experian® Visit site

Bottom Line

IdentityWorks holds up to the expectations that you would have coming from a big name like Experian. You’ll get all the ID theft protection you could ask for including credit report monitoring, Social Security number monitoring, and Dark Web surveillance. Additionally, with the family plan included, IdentityWorks offers some of the most affordable protection available today. Take a look at this ID protection. You’ll be glad you did.

Sarah Pritzker is an accomplished content writer for top10.com. With years of experience, Sarah specializes in the dynamic field of online consumer products, leveraging meticulous research to provide insights into various options on the market. Her expertise is evident in her ability to demystify complex subjects and guide readers in choosing the best solutions tailored to their needs.

Experian® reviews

Great • Reviews 65,959
on
Excellent
53%
Great
12%
Average
10%
Poor
8%
Bad
17%
Sort by
Kim Ready
11 hours ago
It helped me to understand all of the information that can impact credit scores.
It helped me to understand all of the hurdles that can impact my credit score. You should have a way to cancel the monthly $39.99 fee to have complete access. We didn't have to contact you to sign up, but we have to contact you to cancel.
Bl
Blanche
13 hours ago
Getting credit for good rental and utilitiy records
Finally get credit for Rental payments
HB
Herminio Barragan
16 hours ago
I gained 24 points with the boost…
I gained 24 points with the boost helped tremendously!
MA
MD Anderson
17 hours ago
It really works
It really works! Boosted me 40 points for bills I already pay. Highly recommended.

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