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Experian Review

Experian is used to get a better understanding of credit scores. It also offers identity protection methods. The information offered by Experian is accurate and it can play a role in how people manage their credit score. A first free credit score is also available for new Experian users. At the same time, users need to know credit scores are not updated every month by Experian. They are only updated quarterly.

How It Works

Experian offers credit monitoring and alerts with its Premium package. New credit inquiries are welcomed. All of them pass through the 3 major bureaus. But Experian also offers distinct features. For example, it can lock credit information with the dedicated CreditLock pack. It also offers compensation of up to $1 million with identity theft insurance.

But Experian is not entirely new for its reliable credit score. It actually uses FICO for this purpose. Of course, if it uses FICO, it also means that it comes with a credit score simulator. In terms of how it works, Experian can alert its customers of potentially suspicious activity both by email and by text. If the customer’s SSN, address or bank account is under threat, there is an alert sent which can then prompt the customer to freeze transactions. Similarly to other services, Experian can also work with customers to replace all credit cards and documents lost with a wallet theft.

What Customers Say About Experian

Experian customers have mixed feelings about the service. While it works well in an automated state, there is a lack of cooperation when it comes to communication with the customer service department. For this purpose, it is recommended for new customers to pay extra attention when setting up a new account. Furthermore, it is also important to find the best time to do so as there is patience required to understand the automated billing method.

On a number of occasions, users noted there is no answer when calling the customer support department. Furthermore, there can be some waiting time required even if an agent is willing to take a call. For example, a number of users have stated that there is no cancelation option under their accounts on Experian’s website. In this case, simply changing the monthly billing to $0 seems to cancel the process for most users. However, all those seeking to change their packages or have them canceled should actually discuss it with a customer support representative.


Experian can be a good tool for identity theft protection. It works very well for credit score checks as well. Furthermore, the service is based on FICO which is known for its reliability and which can also be used to simulate a credit score. However, there are certain issues with support which new customers need to expect. Simple features such as canceling a plan are not clearly available under the account section at the moment. But if Experian improves the functionality of its app and its support, it could be one of the choices for credit score checks.

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