Experian IdentityWorks

A top contender in ID theft detection and fraud monitoring from a household name

SecureScore™: 8.3 /10
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8.3 SecureScore™
Customer Service
Features & Services
Ease Of Use

Experian IdentityWorks Ratings

Looking for ID theft protection and fraud monitoring? It doesn’t hurt to have a heavy-hitter like Experian in your corner. Experian IdentityWorks delivers the goods at a refreshingly affordable price. Their feature-rich service comes with everything you’d expect, and then some. Get dark web surveillance, social network monitoring, one-touch credit freeze, and $500K in ID theft insurance on their Plus plan. See what our experts say in our Experian IdentityWorks review.

  • Credit information direct from Experian
  • Straightforward plan options
  • Comprehensive monitoring
  • Affordably priced
  • App and online access
  • File sharing and social network monitoring

  • Not the cheapest available service


Experian has a 125-year history, is based in 37 countries and has 17,000 people in the organization. Their primary business is consumer and business credit reporting, and identity theft protection services fit right in with their current product lineup. This credit reporting bureau has an extensive technology base that allows it to analyze data in a way that is difficult for competitors to beat.

They stay at the forefront of innovation and invest in a range of technology that helps consumers and businesses stay informed about important credit and identity information. One of the company’s primary focuses is helping consumers understand credit and related topics, so they have an extensive set of resources for empowering and educating the public.

Features & Services

Dark Web and Public Web Surveillance

Experian scans more than 600,000 web pages to look for indications that your identity was stolen.

Up to Three Credit Bureaus Monitored

Experian monitoring is a part of all service tiers, and you can expand this to include Equifax and Transunion. Credit inquiries and new accounts are typical signs that someone is using your information fraudulently, making this feature very important.

Court Records & Bookings

Is someone committing crimes in your name? You get alerts when public records show up in the court system that indicates false bookings or reports.

Sex Offender Reports

If someone on the registry moves into your area, Experian notifies you as soon as it detects this information.

Change of Address Alerts

Some criminals try to change your address so they receive all of your pre-approved credit offers, bank account statements and other sensitive mail. If this happens, Experian tells you what’s going on so you can act quickly.

Payday and Non-Credit Loan Alerts

Credit accounts aren’t the only thing an identity thief is after. Payday loans don’t require a credit check or verify a lot of information, so they can quickly take out a lot of money that you’re left on the hook for.

Social Security Number Monitoring

Your social security number can be fraudulently used in many ways, from opening up utilities to starting a job. Discover whether anyone is trying to use yours in an unauthorized fashion.

Bank and Credit Takeovers

Another way that criminals cause you financial harm is by adding themselves to your bank accounts and credit lines. These takeovers can be devastating if you don’t detect them quickly.

Experian CreditLock

You can quickly lock and unlock your credit report to prevent unauthorized access to your credit information. If someone tries to apply for credit, Experian tells you immediately.

Up to $1 Million in Identity Theft Insurance

This coverage reimburses you for your losses from lost wages, unauthorized transfers and other damages.

File Sharing Network Monitoring

Experian is one of the only identity theft protection services offering this type of monitoring. While file sharing networks may not be as popular as they used to be, they’re still a place that could have fraudulent activity.

Social Network Monitoring

Another avenue that criminals use for identity theft is a social network. They may be pretending to be you or using your account to get personal information that could lead to financial losses. Experian watches social networks closely to limit the chances that someone can harm you with this method.

Ease of Use

Experian has a well-designed platform and app that simplifies the process of looking at the identity information that’s being tracked. You have everything available at a glance, and features such as a credit report freeze have a single click toggle.

Customer Service

Experian has an extensive customer service department with dedicated fraud resolution support. If you suffer from identity theft while protected by this service, Experian acts quickly to stop further damage from happening. They work hand-in-hand with you to clean up your credit file and resolve major issues stemming from this fraud.


Experian offers two service tiers for its identity protection solution and offers a 30-day free trial. The pricing is based on the number of people on the plan, with categories for one adult, one adult and up to 10 children, and two adults and 10 children.

Experian IdentityWorks Plus

This service covers dark web surveillance, up to $500,000 in identity theft insurance, lost wallet assistance, social security number monitoring, address change verification, and real-time credit inquiry notifications. You also have your Experian credit report proactively monitored for large account balance changes, new accounts, credit utilization, inactive accounts, FICO scores and positive activity.

You also get daily credit scores from Experian data to give you a snapshot of how things change over day to day. Track your score over time and use the credit simulator to see where you could end up based on different factors. You also get three additional FICO scores based on auto, home and bankcard data. Experian IdentityWorks Plus starts at $9.99 per month.

Experian IdentityWorks Premium

Your identity theft insurance coverage increases to $1 million under this plan. You also get advanced identity monitoring that covers credit card and bank takeovers, court records, sex offender registry, file sharing networks, payday loans, identity validation requests, the dark web, social security number tracing and social networks. Your credit report and score monitoring expand to all three bureaus and you get daily FICO scores from Experian. Experian IdentityWorks Premium starts at $19.99 per month.

If you opt for a family plan, the child identity protection services include tracing the social security number, looking for their information on the dark web and monitoring social networks.

You can save on your identity theft protection costs by paying for the plan annually, which saves you 17 percent.


Experian does an excellent job at offering a robust identity theft protection service that also provides a great deal of information about your credit health. The plans are straightforward so you don’t have to wonder which tier makes the most sense for you. The overall experience is excellent and getting the help of one of the big credit reporting agencies makes sense in a world where identity theft is prevalent.

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  1. Avatar Brad Holloway says:

    I need someone to call me as there is a sex offender that is registered to my address through Experian and would like to know how to get this corrected.

    1. Avatar Editor says:

      Hi Brad,
      Sorry to heart that. We’re not Experian and we can’t call you, so you’ll need to contact Experian directly to get that resolved.

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