3.5/5 (318 reviews)

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Overall Rating3.5 out of 5
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About Experian

Experian is a credit reporting bureau that helps consumers understand and improve their credit scores. Companies pull credit reports from Experian when they do background checks or make lending decisions. With Experian Boost, you can add your utility, phone, cable and internet bills to your credit report, which boosts your credit score if you make on-time payments. For a monthly cost, Experian also monitors and protects your credit from identity theft and fraud.

Pros & Cons


  • Business credit services available
  • Instant Boost program


  • No in-person service

Bottom Line

Experian offers credit monitoring, identity theft protection and credit boosting services. Free and paid options are available.

Top Experian Reviews

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I am working with the 3 major credit reporting agencies ... Experian completed 2 separate disputes faster than both other agencies completed one … the outcome will not always be w...

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I subscribe to Experian, Equifax and Transunion ... I have to say that I like Experian so much more than the other two in every way. Their website and features are much easier to ...

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What is Experian?

Experian is one of the top three credit reporting bureaus. Its headquarters are in Ireland, but it currently operates in close to 40 countries. Experian shares its information with businesses so they can accurately assess customers’ creditworthiness and reliability. It also uses its credit history data to help people improve their finances and protect them against fraud or identity theft.

What does Experian do?

Experian is generally known for its credit reporting software, but it also offers services that help protect you from identity theft or raise your credit score. The company’s services and products include:

  • Identity theft protection and monitoring: Experian’s identity theft protection membership, IdentityWorks, includes features like Social Security number monitoring, dark web surveillance and financial account activity tracking. Plans start at $9.99 a month, and Experian offers a free 30-day trial.
  • Credit score monitoring and reporting: Experian’s credit monitoring software, CreditWorks, tracks credit inquiries, account balance changes and new account creation. It also sends you a comprehensive credit report every month. The basic CreditWorks plan is free, but there’s also a paid version available for $24.99 a month that offers enhanced monitoring.
  • Resources to improve your credit score: Experian Boost can help you raise your credit score by adding utility, phone, cable and internet bills to your credit report. You can boost your score just by making on-time payments to these accounts. Experian Boost is a completely free service.
  • Business services: Experian has software programs designed specifically for small or large businesses that include tools to manage your business’s credit.

How much does Experian cost?

Experian offers multiple plans for each of its services. Some services, like Experian Boost, are completely free and don’t require credit card information.

Experian’s CreditWorks plans

  • CreditWorks Basic: free, no credit card required
  • CreditWorks Premium: $24.99 a month

Experian’s IdentityWorks plans

  • IdentityWorks Plus for one adult: $9.99 a month
  • IdentityWorks Premium for one adult: $19.99

Pricing for Experian IdentityWorks varies if you include spouses or children’s identities. If you want a one-time credit report from Experian, you have three options:

  • Experian Credit Report: free
  • Experian Credit Report and FICO score: $19.99
  • Three-Bureau Credit Report and FICO scores: $39.99

Experian FAQ

Is Experian Boost a good idea?
Experian Boost is a free service that helps raise your credit scores by incorporating your phone and cable bill payments. If you regularly pay these bills on time and want to raise your credit score, Experian Boost is a good idea.
Can Experian Boost hurt your credit?
Experian Boost shouldn’t directly hurt your credit score if you pay your bills on time. However, according to Experian’s website, some consumers’ credit scores have gone down when first starting the program due to the complexity of the FICO score algorithm.
Is Experian really free?
Some of Experian’s services are free, like credit reports and its basic CreditWorks plan.
What credit score does Experian use?
Experian uses your FICO score for all of its programs and software.
What is a good Experian credit score?
Experian considers a good credit score to be between 700 and 800. A score above 800 is excellent.

Is Experian safe?

Experian is a safe and globally recognized credit reporting agency that offers identity theft protection and business credit assistance. Its services are ideal for consumers who want to raise their credit score by developing healthy credit habits. If you’re interested in Experian’s services, visit its website to sign up.

Experian Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 31, 2023

A few months ago I was alerted by Experian that I could help my FICO score by adding things like my rent, heating & electric bills. I took advantage knowing all are paid on time. The following month I was alerted my FICO score has dropped over 8 points without clear explanation as to why. I didn’t think about the BOOST program because I understood it would take 3 FUTURE payments in order for them to track & include in my FUTURE reports. All of my credit cards are paid in full each month. I have worked hard to maintain this habit each month to build up my credit.

Today I called, spoke with “Mike” asked him to explain dramatic drop in score. He stated “ I see you have 5 late payment accounts” I freaked out because he listed off the 5 accounts I added a few months ago to the BOOST program!!! After arguing he transferred me to 1-800-493-1058. I waited 40 mins, then spoke with BILIAM, who told me there are NO accounts showing as late. Biliam went on to say he could not explain why my FICO score dropped more than 12 points. He didn’t know who I could call either to get the answer. Experian is the worst. They have us hostage & we’re left struggling with whatever excuse that frees them from responsibilities.

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Verified Reviewer
Original review: May 14, 2023

I am the victim of identity theft and when I disputed an account from Verizon ($1,150) & Sprint ($299) all they did was verify when the accounts were open and closed! In no way were they even tied to my name with concrete evidence! Experian looks out for the businesses and not the consumer! Because if I have a higher interest rate or get stuck with bills that aren't mine those companies make more money and therefore support Experian more than I ever would! Not to mention they outsource their call center to a third-world country apparently but don't pass any savings on to me! The consumer they should be trying to protect!

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    Verified Reviewer
    Original review: April 1, 2023

    Was locked out of my account after just one attempt to login with wrong password. Forced to call to get it unlocked. Their system for the id verification would not function properly so we moved on to the questions. Even after answering the questions correctly I was still not allowed access to my account and rep refused to transfer me to a supervisor. Called second time and got the exact same thing, but this time I was sent the link twice during the phone call and the second time the system finally worked and it submitted my pictures of my id and my selfie. At this point I was told by the rep (Ankush) that he did not send me the second link and what I submitted was not to them. So who sent me the second link from that same number and where did my info go? Was their system just BREACHED?!!!

    4 people found this review helpful
    Verified Reviewer
    Original review: March 18, 2023

    Experian violations 15 USC 1692, Due Process, Fourteenth Amendment & RACIAL DISCRIMINATION. They receive kickbacks by leaving negative information on your credit report so you can be charged higher fees. Under FEDERAL LAWSUIT 2:22-cv-02173-RFB-NJK **

    4 people found this review helpful
    Verified Reviewer
    Original review: March 11, 2023

    I don't know how government allows such credit bureaus to function and dent so many innocent Americans' credit worthiness. It seems Experian itself is part of scammers and fraud ring that makes seniors and disabled their victim as they have the least fighting power. Last year I fought of 4 fake, fraudulent, inaccurate collection accounts against me that Experian happily, quickly reported as negative on my credit report. But won't help or check authenticity or question the debt collectors. Upon my own efforts of resolution, Experian was very very slow to restore my credit rating and took months to resolve a straightforward blatant fraud against me.

    12 people found this review helpful
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    Verified Reviewer
    Original review: March 9, 2023

    Awful, unusable website. I am trying to manage a credit freeze, but the sign-in page takes me to the free credit report. If I click anywhere else on the page, it signs me out. This is after I spent 30 minutes trying to get into my old account. It didn't recognize my old password. Then it didn't recognize my user name. Finally, it told me my DOB and SS# didn't match, even after I triple checked it. And I've created an account in the past! If I had a way to avoid ever using Experian or letting them collect my data, I would take it. I had no problems at all managing my credit freezes at Trans Union or Equifax.

    12 people found this review helpful
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    Verified Reviewer
    Original review: Feb. 25, 2023

    I placed a freeze on my credit due to my info being compromised thanks to Soc Security AND Soc Services. Online it says their hours are til 8pm but they actually close at 5pm. Good thing my situation wasn't an EMERGENCY!! Not only could I not get a live person on the phone but I kept getting hung up on by a jacked up automated BOT! #Infuriating!! Why even have/offer this service if it's not even accessible???

    11 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: Feb. 14, 2023

    Part of paid membership, $19.99/month, is getting a Credit Report Refresh every 30 days. When I was on their site & clicked on this feature, for 3 days it said "0" days left to receive it but "unavailable". It then stated if would still like to get this info now, you can pay $29.99 for the same report that I was already due! When I called the Experian Agents, they pretended they would get fixed but they never did. They then tell you if you don't keep paying the membership fee per month that they will lock your credit file to hamper you from getting loan reviews. They are actually using EXTORTION to get more money & should be investigated!!

    15 people found this review helpful
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    Verified Reviewer
    Original review: Feb. 9, 2023

    Experian Credit Services has been informed by myself, belatedly, that GoDaddy.com charged my credit card account almost $400.00 and then lowered my credit score after I made it very clear to them that I had no relationship with GoDaddy.com for a few years before this charge was made. Now all vendors, etc. using a credit score have put me in an inferior position resulting in increased amounts I have to pay for goods and services and in some cases denying me service. This very website has innumerable serious complaints against GoDaddy.com and yet they are apparently still in business. I am shocked that no governmental agency or NGO has put an end to this apparent chicanery. I request Experian reinstate my 802 credit score.

    15 people found this review helpful
    Verified Reviewer
    Original review: Jan. 31, 2023

    I've been cleaning up the miscellaneous auto-drafts that are coming out of my bank account. One of them was Experian Credit Reports that I joined a few years ago. Experian has been deducting money from my account every month. When I tried to downgrade my service plan, I was unable to do so. I applied a few times to downgrade to the free service for a few months but they kept taking my money. I finally found a phone number to call and tried that. We'll see if that did the trick but I don't trust that company. I believe they are a Scam themselves.

    12 people found this review helpful
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    Experian Company Information

    Company Name:
    Year Founded:
    475 Anton Blvd.
    Costa Mesa
    Postal Code:
    United States