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- Free credit monitoring with easy access to all three credit bureau reports
- Offers helpful money management and credit builder tools
- Relentless prompts to upgrade for identity theft protection or take out a personal loan
All About Cookies is an independent, advertising-supported website. Some of the offers that appear on this site are from third-party advertisers from which All About Cookies receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).
All About Cookies does not include all financial or credit offers that might be available to consumers nor do we include all companies or all available products. Information is accurate as of the publishing date and has not been provided or endorsed by the advertiser.
The All About Cookies editorial team strives to provide accurate, in-depth information and reviews to help you, our reader, make online privacy decisions with confidence. Here's what you can expect from us:
- All About Cookies makes money when you click the links on our site to some of the products and offers that we mention. These partnerships do not influence our opinions or recommendations. Read more about how we make money.
- Partners are not able to review or request changes to our content except for compliance reasons.
- We aim to make sure everything on our site is up-to-date and accurate as of the publishing date, but we cannot guarantee we haven't missed something. It's your responsibility to double-check all information before making any decision. If you spot something that looks wrong, please let us know.
Monitoring your credit with Experian’s free credit monitoring service helps you stay on top of your score. You’ll also have access to your credit reports from all three bureaus through its thoughtful and user-friendly dashboard. But when we tested the free service, we weren’t thrilled with the constant prompts to open new credit cards or take out a loan.
Experian offers a friendly way to see what items affect your credit and who your debtors are. It even includes tips on how to improve your score. You just have to ignore all the credit and loan offers.
Read on for our full experience and information on additional services like identity theft protection.
- Well-organized dashboard
- Helpful credit-building insights
- Access to all three credit bureau reports
- No credit lock feature
- Constant prompting to upgrade or apply for a new line of credit
Our experience
Experian prices and subscriptions
Experian features
Is Experian safe to use?
Experian customer support
Top alternatives
FAQs
Bottom line: Is Experian good?
Experian review at a glance
Price | Free |
Free plan | Yes |
Financial account monitoring | Yes |
Credit score | Yes – Experian |
Credit score update frequency | Daily |
Credit report | Yes – Experian, Equifax, TransUnion |
Credit report update frequency | Up to daily |
Credit lock | No |
Credit analysis | Yes |
Credit building | Yes |
Extras | Free identity protection scan |
Learn more | Get Experian |
How we test and rate credit monitoring services
To review credit monitoring services, we sign up for the service several days prior to our review. This allows the service time to begin populating our dashboard with credit monitoring information and send us real-time alerts. During this time, we also evaluate the service's ease of use, contact customer support, and play around with the extra features.
After spending some time with the service, we use our proprietary grading rubric which calculates a star rating based on cost, credit monitoring features, and other criteria.
To learn more about how we test, check out our full testing methodology here.
We last tested Experian on December 5th, 2024.
Our experience
Experian gave us a lot with our free credit monitoring service, but we were a little annoyed by the push to sign up for credit cards and loans.
We appreciated the tools that helped us understand our credit better. Even though there weren’t a ton of action items from the credit evaluation, Experian did give us better insights to make smarter money decisions.
Signing up for Experian was similar to signing up for many other credit monitoring services. We had to input our social security number (SSN) and provide basic information. After we were done, an error message was immediately displayed, telling us nothing had gone through and that our order had been canceled.
This actually happens fairly often when signing up for services. It’s a coding issue on the website that might be caused by a disconnect between the signup page and being rerouted to a login or dashboard.
We returned to the login page to see if our registration went through. It did, and we were able to log in to our dashboard. It immediately displayed our credit score and some offers for raising our score and getting a better rate on car insurance.
We were able to explore a few other areas. The Money section monitored our accounts and gave us practical advice, while the Protection section mostly wanted us to upgrade to the identity theft protection service.
We also had the opportunity to peruse credit cards, loans, auto, and insurance. Each category’s main focus was to sell us something, which is likely how Experian makes revenue since credit monitoring is free, but it felt a little predatory.
This push to apply for additional lines of credit or to upgrade to the paid identity theft protection service popped up repeatedly during most of our actions on the site. When we logged back in, we were immediately met with a screen prompting us to upgrade. Another login yielded a bevy of credit card offers.
Overall, the service is an easy way to keep an eye on your daily credit fluctuations and spending, but the pushiness to sign up for new accounts and services was off-putting.
We liked the credit analysis tools but wished there was a way to freeze our credit with the service. Experian is worth using, but we suggest ignoring all the upsells.
Experian prices and subscriptions
Experian credit monitoring is a free service with some useful features. There are upgrade options if you want to add identity theft protection services. We’ve already extensively tested Experian IdentityWorks services if you want to learn more about that product.
Experian features
This free service offers plenty of features to monitor and improve your credit. They include:
- Three bureau credit reports
- Credit monitoring
- Credit analysis
- Credit building tools
- Money management
- And more
Credit monitoring
The credit monitoring feature was ready as soon as we logged into our dashboard. Below, it’s redacted, but we saw our credit score with the date beside it.
Credit reports and scores
Experian had the option for us to check our free credit reports from all three bureaus. While it didn’t tell us how frequently we could see our Equifax and TransUnion reports, our Experian report was updated daily. In fact, Experian Alerts notifies you about real-time changes to your credit report, so you’re always in the know.
Credit analysis
Experian offers line items on what’s affecting your credit and a breakdown of your debit, utilization, and other factors. Since each credit item is listed separately, it was easy for us to check for anything we may want to dispute.
Credit builder
Experian Boost aims to help raise your credit score by counting things you do every day, like paying your bills, rent, and other accounts. It does mention that not all creditors will check this FICO score, nor will they always pull your Experian report. There could be a discrepancy between what you see on your credit report and what a potential creditor may see.
Money management tools
By linking our financial accounts, such as our bank and credit cards, Experian could track our spending habits and make suggestions on how to save a little more money. It’s also a central dashboard for us to see charges, so we can dispute anything fraudulent that may pop up.
Bonus features
There aren’t a ton of bonus features with this service, outside of applying for new lines of credit or doing a privacy scan. The privacy scan is aimed at getting you to sign up for the identity theft protection service.
Is Experian safe to use?
Experian uses two-factor authentication (2FA) during login by sending you a code via text or phone call. You’ll then need to input that code when you log in. We also found that Experian logged us out automatically if we were idle for 5 minutes, so that’s another level of protection.
Experian customer support
Support type | Experian |
Email or live chat | |
Phone | |
Online guides or forums |
We spent a decent amount of time clicking through the Contact Us prompt in the help center, only to be met with online guides. There are numbers available, but they’re sales and business-oriented. For the most part, you’re on your own.
Top alternatives
If you need more robust identity theft protection than Experian offers, consider one of our other tested recommendations below. Staying on top of your credit means getting the best interest rates and deals when you need your credit score to work for you.
Service | |||
Star rating | |||
Price | Starts at $9.00/mo (billed annually) | Starts at $7.50/mo (billed annually) for first year | Starts at $10.00/mo |
# of people covered | 1 - 5 adults, unlimited children | 1 - 2 adults, up 5 children | 1 - 5 adults, unlimited children |
Credit monitoring | * Alerts from all three bureaus * Monthly VantageScore update * Yearly credit report from all three bureaus |
* Alerts from all three bureaus * Monthly score update from all three bureaus * Daily credit report from all three bureaus |
* Alerts from all three bureaus * Monthly VantageScore update * Monthly VantageScore report update |
Types of identity monitoring | Identity and SSN, account breach, home and auto title, criminal and court records | Identity and SSN, dark web, phone takeover, home title, social media | Dark web, high-risk, bank account, social media, credit and debit card |
ID theft insurance | Up to $1 million | Up to $3 million | Up to $1 million |
Details | Get Aura Read our Aura review |
Get LifeLock Read our LifeLock review |
Get OmniWatch Read our OmniWatch review |
FAQs
Is Experian credit monitoring really free?
Yes, the credit monitoring service is free. If you’re prompted to upgrade, it’s because Experian is trying to upsell you. You never have to upgrade to use Experian’s credit monitoring service.
Is Experian a good credit monitor?
Yes, it’s less spammy than competitors like Credit Karma and provides useful insights into your credit.
Is it worth paying for Experian?
Experian’s identity theft protection service may be for you if you want to improve your identity security. However, if you only want to monitor your credit, staying with the free service is better. You can get more protection from a comprehensive identity theft prevention service.
Is it safe to get a free credit report from Experian?
Yes, you’re entitled to a yearly free credit report from each of the three major reporting bureaus, including Experian.
Bottom line: Is Experian good?
Despite the constant prompts to upgrade or apply for new credit, Experian credit monitoring provides useful tools and information. This is a good service if you’re serious about monitoring your credit and want helpful tips on improving it.
The best credit monitoring services always offer base features for free. Upgrading to identity theft protection is a choice, but keeping an eye on your credit should be something you do regularly. Experian makes this easy.