Experian CreditWorks Personal Review 2024
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What is Experian CreditWorks™?
Experian CreditWorks features
FICO Credit Score
Experian Credit Report
Account balances
Personal finance products
Dark web surveillance, identity monitoring, and fraud protection
Credit card and loan recommendations
Auto insurance quotes
Experian Boost
Experian CreditWorks costs
Feature | CreditWorks Basic | CreditWorks Premium |
Price | Free | $24.99 per month (7-day free trial) |
Credit monitoring and credit score services (updated monthly) | Experian data | Experian, Transunion, and Equifax data |
Daily credit scores | No | Experian |
Credit inquiry monitoring | Yes | Yes |
Account balance change monitoring | Yes | Yes |
FICO Score Simulator | No | Yes |
Feature | Premium | Family |
Price | $24.99/month | $34.99/month |
Identity Theft Insurance | Up to $1 million | Up to $1 million |
Social Security Monitoring | Yes | Yes |
Social Network Monitoring | Yes | Yes |
Quarterly Credit Report | No | Yes |
Daily Credit Score | Yes | Yes |
Identity monitoring for up to 10 children
| No | Yes |
Signing up for Experian
- Full name
- Current address
- Date of birth
- Social security number (last four digits)
- 90-day money-back guarantee
- Free consultation
- 200k happy customers
- 19 years experience
- 11,000+ five-star reviews
How I’ve used Experian CreditWorks to improve my credit
Reviewing my Experian credit report
Flagging incorrect information
Pros and cons
- Free FICO scores and credit reports. If you’re looking to view your FICO score, and gain access to your free Experian credit account, this service is of great value. It’s free and comes with various personal finance tools to help you make smarter money decisions.
- Targeted promotions. Experian CreditWorks offers you credit card and loan deals that you’re a good fit for based on your credit profile. While this service can be helpful for anyone looking for new cards or a personal or auto loan, it’s important to know that Experian makes money off these offerings, so be sure to research before applying.
- Identity protection add-ons. If you’re worried about identity protection, Experian has products catering directly to your needs, ranging from $24.99 per month to $34.99 per month. You will receive basic monitoring with a free CreditWorks account but can upgrade to more advanced identity protection services.
- Steep pricing plans. While I think the free Experian account is worthwhile, the upgraded credit monitoring account that offers you access to Equifax and Transunion data costs $24.99 per month. This seems like a steep monthly price since anyone can request a free credit report once a year by directly reaching out to the credit reporting bureaus.
- Enhanced personal finance tools. Experian’s new and beta-versions of personal finance tools are available for free and can really help you transform your finances. Its Bill Negotiator service can help you lower utility bills quickly, while its budgeting service allows you to better track money going in and out of your bank account. The savings center and credit card perks monitoring options can also help you get the most out of your money.
- No VantageScore access. Two main credit models are used to calculate your credit score — FICO and VantageScore. While both models review your credit use and history, your scores can vary between both methods.
Experian CreditWorks vs. competition
MyFico
Credit Karma
Credit Sesame
- Free Credit Score, Credit Report & Identity Protection
- Simple & Secure. Sign Up In Less Than 90 Seconds
The bottom line
- 90-day money-back guarantee
- Free consultation
- 200k happy customers
- 19 years experience
- 11,000+ five-star reviews
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Courtney Johnston is a freelance writer, specializing in finance, travel, and health. She has written for The Chicago Tribune, Benzinga, BestReviews, Mashvisor, Fundera, MoneyGeek, and The Culture Trip. She also teaches writing instruction at the University of Indianapolis. Courtney currently resides in Indianapolis.