Experian Reviews

Had an old collection from a company. We moved. Closed our account and they kept billing us. We disputed and won. A new collection company bought the debt and they put it back on my report. I disputed the debt and advised Experian that they already removed it but they dropped my credit 31 points and put it back even though I proved the debt was false. I tried to call but could not get anyone to help. There are so many shady debt collectors. It's sad they side with many of them.

I have as good a credit as you can get, I signed up for Boost anyway (not smart). In doing so you give them full access to your bank accounts, my score did increase maybe 12-15 points. I changed my password at bank so they can't access my accounts, now they decreased my score 30 points on the Experian page, but if a credit inquiry is done by them it shows my credit around 30 points higher than their page shows. My conclusion is Experian wants total control of your bank account and that they only have to show the credit improvement on their site anyway. I don't believe it changes anything, just gets them your password for online banking....

Wrong details provided to credit provider. Very difficult to access direct contact with staff member. Once achieved contact staff members cut off calls and were generally wholly unhelpful, misleading and of the opinion were unaccountable. Refused to escalate matter to senior management, refused to provide details of CEO when requested although such information is available from internet.

I'm just ignored. An email address is not available. Phone support is unavailable. It's not working. I have been trying to reach out for more than a week with no response. I'm not sure why they blocked my account but I have no way how to figure out because I'm unable to reach out to them.

For months, I have been paying down large portions of debt to the point where I will be debt free by year-end. At one time I was at credit card debt to availability ration in the high 60's, and it is now down below 40% and getting lower every month. Experian has kept me in a range from about 698 - 725 for that entire time, and now that I am below 40%, they have me back down to 700! 3 of my 5 ratings are exceptional, with the others good, and the final one (debt to availability) as Fair. They IMMEDIATELY lower your score at the drop of a hat, while painstakingly and slowly raising it when you improve.

Just got off the phone with about six different people and how someone can hack into my account at Experian, change all my information which is private phone number, home address and the email and how ironic I cannot even sign into my account there now because everything is changed. How can a company allow all my information to be changed by a hacker and they’re the ones that is supposed to monitor the dark web to see if I’ve been exposed to fraudulent activity and then the ones being hacked. What a joke. Want to good company I go to TransUnion. Much more professional.

Experian makes it extremely, and I mean hardest I've ever experienced, getting in contact with a representative/agent. After finally figuring out how to "trick" the system to be able to talk to someone, the agent contacted was incompetent, barely spoke English, and unable to resolve the system issue that prevented me from logging on. All things considered I would rate Experian as the worst company with whom I have ever had any interaction. It is scary that they manage credit for a large population. I doubt my data is at all safe in their hands.

Never again will I obtain a credit freeze with Experian. I simply just want to unfreeze my credit for ONE day and Experian isn't allowing me to do that. You can't get a hold of ANYBODY through the phone. I try logging onto my account to easily unfreeze my damn credit online, but I constantly get an error message. So I try to call technical support.... Guess what? CAN'T GET ANYBODY ON THE PHONE. This is absolutely ridiculous. Good thing I'm not buying a car and need my credit LAST MINUTE. I would be SOL simply because Experian members can't do their job.

My credit score was in the 700's and I added boost using my phone bill and my credit score suddenly went up 7 points but a week later my score dropped down to the 600's. I disconnect the boost and it dropped down to Fair...Either they are racist because my name is hispanic or they are deliberately using boost to lower good credit scores. I worked super hard to get my score up and Experian boost unlawfully dropped my score down to where it makes me look bad.. I'm telling everybody with an hispanic name or not to BEWARE! And DO NOT USE EXPERIAN BOOST!!!

I got an alert that my daughter's SSN MAY be compromised. The email said I needed up upload my driver's license and birth cert of my daughter, and that I would be contacted within ONE BUSINESS DAY. THREE days later, with no contact, I call Experian. I'm told I'll be contacted in 24-72 hours... THREE days later, I re-call. I'm told again, I'll be contacted in 24-72 hours.

Dealing with Experian is an absolute nightmare. They don't update reports in your account. I paid off a collector debt 4 months ago; they sent the notice immediately to Experian, and 4 months later is still shown and affecting my credit score. Contacting Experian Customer Service is totally IMPOSSIBLE. A total nightmare. They should be out of business.

They gave wrong info to lender (this has been confirmed by another lender). Ruined my chances of getting trailer to save my therapy horses from wildland fires in Colorado. the bale is on them. The onus is on their backs. 5 forest fires in a week and no trailer with 698 credit and 30 yrs of credit history according to other.

I have had the Experian CreditWorks Plus membership for several months. I do not really know if it helped my credit in any way. This month it would not allow me to log in, they asked me to contact customer service (Computer Prompt). I proceeded to reset my password, then I reset my username. Failing that, I finally called customer service for help. THey verified my name, DOB, SSN, Address and one of my security questions. But, when I was unable to verify the second security question they could not help me. I could give them my current password and e-mail. Unfortunately, they did not or could not help me without the security question being verified. They had me listed as a member and had my bank account information, but could not help me. I gave up and canceled the service. Even though they would not help me log in to my account, they did cancel that same account within one minute of my asking.

I’m so frustrated with the horrible experience with these people. They charge me 30$ a month just to try to sell me stuff. I’m so mad. My name is Monte **. I’ve been disputing child support with these guys for a year now and it’s still on my record and because of that even though I’ve tried to send pictures of the paid in full receipt and the letters from DSHS and they still won’t take it off and no one will give me credit or a rental. I’m so mad. I can’t even get a phone call from these people and I’ve given them over 600$. It’s them I should be disputing.

After filling out tons of info linking my CCards etc, I received a notice my credit score went DOWN! I did the free offer, but maybe... if you paid them they would help you, in my case it went from 778 to 776.

It's practically impossible to get to speak with a real human being at Experian. No matter what number you press on the phone prompts, you can't get to a human. They claim to also offer chatting with a live agent on their website, but there's constantly a message stating that there are no agents available at this time, no matter what time of morning/day/evening you check it. Lastly, you can type them a message and hope they reply. So far, they haven't. I sent a message days ago and have not heard anything back. Their customer service isn't bad, it simply doesn't exist. There is none. They would first have to have customer service in order to be either good or bad. Just awful for people like me who are concerned about my stolen information.

I submit a dispute for yrs regarding a bk ch13. Case dismissed. Paid in full and still decreased my Fico score without any reason. Should in charge off on my credit report. I called the debtors supposedly affected. They closed the accounts already and they said is Experian who's the one affecting my credit report and score and shoulds very clear on the credit report paid in full. Why you can't or won't updated my credit score? Be responsible and paid attention before damage credits. Am tired of this irresponsibility from experian causing me a lot big troubles with creditors. Also they let a lot inquiries. I never applied 34 to be exact. What's wrong with all the dispute staff of experian?

Don't bother 'trying' to find any live Rep or Contact anywhere on their website. They're nonexistent. The 800 numbers provided are an idiot automated service that offers you two whole options. Neither of which refers to disputes. Like many others here, I've wasted precious time filing online Disputes against MANY inaccuracies on my credit report, that date clear back to 2020. All of them STILL SITTING as Negatives, which is horribly unacceptable. And frankly FRAUD. If Experian were a real company, this would be lawsuit in the making. They need to be SHUT DOWN for basically operating as criminals.

Unable to do a security freeze on myself online. Was prompted to mail my information to a PO BOX in Texas to do a security FREEZE? MAIL TO A PO BOX! Never able to speak to anyone through phone prompts. At one point selected I was member? Actually got a VERY RUDE AND UNCARING GIRL who informed me they do NOT do as any of this at this Corporate location I called. Was able to do freeze with other Bureaus without any complications. Leaves me to QUESTION WHY…OUR VERY CONFIDENTIAL INFORMATION is going into their hands. Especially after a major security breach on their part! Is no one aware? They are responsible for your credit INFORMATION…CREDIT INFORMATION.??? It’s as if there are NO ONE is at Experian.

This is a scam. When I joined it was 14 dollars and change monthly. I surely must've have overlooked the fees they were taking from my bank account which was 16.96 monthly! A huge oversight on my behalf because they've been doing it for over 2 years now. After I found out I immediately cancelled my membership. After talking with customer service whom had me on hold to "research" the issue, she came back and gave me yet another customer service # with an ext **. Really! I said to her, "Wait, an extension # that long?" She said there was nothing she could do to help me and that I'd have to call another number. Funny...they do fraud alerts and dark web protection but I never thought the very same people who were supposed to be protecting me are the very same people who are robbing me!

I will vote zero stars for Experian. First of all it is impossible to talk to a live agent amid "covid -19 excuses" or other lame excuses. The agent are mostly not accurate and knowledgeable and rant out, mumbling inconclusive sentences instead of a steady business language and shady. The only thing they do is pushing buttons and collect info that never forward. I have personally detected a endless list of mistakes, therefore I urge the consumer not to rely on these individuals and check your credit amid serious mistakes. The supervisor are never on site when you are so fortunate to talk to an agent and the agent are hired to create a barrage of false flags and block further elucidations,

How can we have faith in our credit markets when Experian has aggressive and predatory billing practices. As well as not protecting customer personal information. Some please do something about this organization and its deceptive practices.

All I wanted was to look at my credit report. I don’t sign up to receive a flood of emails! Not at all professional! This company needs to stick to reporting credit and should protect people from a flood of email advertising. My trust in experience is gone. There should be a class action lawsuit!

My credit score decreased by 25 points in Jan 2022. My Experian account revealed no cause for the decrease. Experian was contacted via email 4 times but could not / would not provide reason for this decrease. Experian continued to answer each email with the standard answer listing reasons prompting a credit score change but refused to provide the information causing this change or the organization that provided that information. A complaint filed with Consumer Financial Protection Bureau caused Experian to return the 25 points they removed. 2 months, 4 emails to Experian and a complaint filed with CFPB later and my credit score is back to where it was before Experian decided to change it.

I literally got rejected from a bank, trying to open account online, where I have been customer for over a decade, because Experian says I do not exist!!?? When I try to log in it say irrecoverable system error. Try later. No internet connection. You don't exist?? Fix your app so you don't mess up people's lives anymore!!

Avoid any of the paid memberships with Experian! They have no customer support whatsoever. If you try calling, you can not speak with an actual person no matter what the circumstances are. You are given the option of pressing “1” to use the automated system or pressing “2” to end the call. I tried several keywords (including “emergency!”) to get to a live person, and there is no word or combination of words that get you out of the automated system. The automated system is useless, so that basically leaves you in the cold, whether you are paying for a membership or not.

Experian is a platform to scare you into a bogus membership. While they will send you constant emails, you will be ignored when it serves you. They will disregard all important factors, questions, and resolutions unless it serves them. I have been frauded by a company that is suppossed to protect me from fraud. In fact, my membership jumped 17.04 a month without any notification. So, you contact them to resolve an issue and you are connected to an individual oversees that as no clue about anything. 100% a scam. Why would you pay them when Credit Karma is free!!!!

I called in to get a better understanding about 1 of my disputes. As soon as the conversation started, there was instant hostility! Why I don't know? I still don't have any resolution for what I was seeking. If anything I have more questions than answers now. It's called customer service, not hostel services! More sympathy & empathy! Not more arrogance & ignorance!

Like thousands of other people's reviews I'm reading here and everywhere else, Experian scammed me with their fine print. I went online to get my "Free" credit report but weeks later I got charged $24.99! My two sons also got theirs the same day and they were also charged! We never knew that we were signing up for a "membership"! Experian has their website set up in a way, people inadvertently sign up for services that they don't want. This should be illegal! How is it possible that here in the USA, a company like this can scam its users? The government should do something about this and fine this company! REPORT IF YOU HAVE ALSO BEEN CHARGED WITHOUT KNOWING THAT YOU WERE SIGNING UP FOR SOMETHING YOU DIDN'T WANT!

I submitted a notarized affidavit to Experian stating that the 15 accounts they had listed under my profile that were showing a 90-day late payment were invalid and I wanted to have the accounts updated. They wrote back stating the accounts were verified. I sent them my credit report from their direct site showing how my account payment status shows the accounts were on time and then one month they just show a 90-day late payment. This is against the FCRA and they are reporting inaccurate information to my credit profile. These accounts were never late and it's impossible for an account to have a positive status for one month and the next month be 90-days late. I told Experian in my dispute that I wanted a live person to review this case and that I did not consent to e-Oscar or any automated verification processes. They ignored my request and they still utilized automated verification processes.

I completely understand the operational path credit bureau companies take to provide you with information that belongs to you.... What I don't understand is why you have to pay for information that belongs to you!!!! I believe this should be a free service to protect your information, and all the bureaus should be connected to share and update all your information, which does not happen right now. Maybe a new law should be formulated to prevent such companies from underestimating your efforts and achievements of trying to make a positive action to your credit worthiness! That's what I think!! Thank you.

Did the "Boost" thing and it provided a reasonable score. Unfortunately, this score isn't visible to would-be lenders; I'm still "credit invisible". If you are credit invisible, "Boost" will do nothing for you; don't waste your time or money. Having paid the $24.99 "membership(?)" fee, I was greeted with a banner, "pre-approved" credit card offering. Applications for one card then another resulted in credit denials. So much for pre-approvals. Worse yet, the applications for the cards reduced my magical credit numerical value. Experian is in the business of credit evaluation but has branched out into the something-for-nothing business. DO NOT subscribe to their $24.99 per month scam as it will do NOTHING to mend your credit invisibility.

Experian is always about 50 points behind the other Credit Reporting Agencies. They do this in order to extort people into giving them access to their personal, private accounts for their Experian Boost. In reality Experian is doing no one any favors. I have pretty good credit. I recently paid off 2 credit accounts and received two credit line increases. The information was not reported accurately, so I disputed the information in order to get the correct information on my credit report. My score should have raised once the correct information was updated. After paying of 2 credit accounts in excellent standing and getting 2 credit line increases. Experian LOWERED my score by a full 20 points. I paid off the 2 credit accounts so I could apply for a Home loan without the debt ratio. So, much for buying a Home. Experian is completely Unethical.

I was the victim of identity theft several years ago due to the Equifax breach. I recently tried to freeze my credit on experian.com (it was supposed to be frozen already) but it tells me it doesn't recognize my email/password. When I click on send me an email to reset it, it sends it to a fraudulent email they have on record for me, so I never get the email. I CANNOT get ahold of a human being to change this for me. I've tried several different numbers and options and it all reroutes me back to the automated system. SO FRUSTRATING!

Beware! Experian has allowed an identity thief to change my user name and password on multiple occasions. I have had to jump through hoops to regain control only to have it happen again. Experian claims no responsibility to safeguard my data. When situation was escalated to a supervisor she rudely told me to call the police.

Where do I begin? I was looking to review my credit scores before I purchased a home. Honestly, I was trying to understand my numbers before sitting down with a lender. I looked at my bank account, and I noticed that I was charged an initial few for joining to review my three credit scores. However, I saw I was charged an additional 32 bucks each time I came back to check the accounts for clarity. I then contacted customer service, which took 30-40 minutes because the automated system refused to transfer me to an actual person. As a result of my persistence with the process, I got through. The first customer service representative said that she would take care of the situation, and while I was trying to get clarity on why this takes place, the rep hung up the phone on me. Really. I then start over with the automated server trying to get through to a live person.

The website sucks compared to the other credit bureaus. I created an account several times because the account was marked as "created", but I never received an email and I could not log on. When prompting a password reset, the website said I didn't have an account. When speaking to a customer rep, he said there was 4 different "inactive" accounts and that my PIN to unfreeze my account was sent to the email of my last account creation which I never received.

PROBLEM: The entire company is hidden behind dozens of Telephone Audio Robots that will not allow you to speak to a person. Everything is recorded - messages and instructions, With no way to request a specialist or service representative. Yes, I had a pretty simple Login access problem, which Experian could have resolved in 5 minutes. -- With a Sys Reset or Unlock function. Any Customer Service could have resolved the issues (no need for a high-paid Technical Specialist, just Customer Service Rep).

Trash bill, they bill quarterly. Of course Experian Boost asks..."what happened here? You'll need to explain why you are missing payments." And, of course, there is no way to contact them to explain that THEY BILL QUARTERLY!!!

First Experian is ridiculously bad at credit scoring. They drop you 20 points for nothing then give you 1 point for outstanding credit. They are liars about their BOOST. Which is just Pure **. I personally feel that this credit reporting company should be shut down.

Signed up for $1 for my score to buy a car. I canceled within a few days but they billed me monthly. No human to speak to and the site/phone automation makes it nearly impossible to fully cancel. It downgrades your subscription only. No way to fully get out. Many stories on the internet where this downgrade still charged people. It is obvious their intention is to not let you cancel. Tried several phone numbers and spent an hour trying to get the automation to let me fully cancel or speak to a real person. Their trickery captures you and won't let go.

My credit scores have not been updated on Experian since August 9. ScoreSense updates every month. Rather spend my money there. There are a few good things like credit lock. They also solve disputes pretty well.

Experian receives kickbacks for every credit card suggested by them through the credit card providers. When you add a suggested credit card by Experian, your FICO will take a hit. The intended usage of this company is to drive your FICO scores up, but when they benefit from a selection they had given, and your FICO drops due to a new line of credit reported, one must reconsider such suggestions. Overall, a good company, but beware of any suggestions regarding the acquisition of additional credit cards. I will continue with them, but will never again accept their recommendations.

Experian is a scam. They charged money from my bank account without my knowledge. Once they register your name it is hard to delete your account. The only way to contact them is by phone. Experian=online scam.

I have had problem logging into the Experian site. Keeps saying “Come back again”! I tried to call and was disconnected about 50 minutes times! They need to be investigated! How do you give someone a 740 when the other companies are 798 and 807???

I have been working for months to raise my credit score, following Experian's guidelines and paying down debt ratio. I added at least one credit card that I use regularly and pay balance each month. My credit score was slowly going up month by month, to nearly 700. This month, I did my usual and used my two credit cards/methods for purchases and paid them off before the next month. I got this notice today from Experian saying that my credit usage on one account has decreased. Okay. So I did not spend as much this month? I checked the alert at their site and they had my credit score down 15 points. When I contacted them to ask, why?, their repeated response was that I need to talk to a credit advisor, because they are not credit advisors.

This is my worst card experience ever. I pay my bills on time! I had my first payment due today 10/19. This card has refused to allow me to use my debit card. Unless I pay a $7.95 fee to make my payment. This is ridiculous of course! As a result, I will avoid using any Experian referenced accounts in the future. This has soured me on trusting Experian for referencing and referring credits services to me. These are predatory practices. This is a predatory credit payment practice, charging a fee to make your monthly payment. If you want to make your payment, larger, they make it difficult for you to make that adjustment. You can make that payment larger through your card if accepted. As a result, they get to charge you a $7.95 fee calling their webpage customer service.

Tried speaking with an agent regarding how I go about a name change so I can sign up for Experian Boost. Automated system keeps going in circles because it cannot understand the reason for the call and will not transfer me to an agent. I tried the online help and no information is available for my issue. REALLY the worst company to deal with. You can't get a human.

Experian recommended the credit card to build credit- so I accepted it; only to have it for at least 2 years, paying annual and monthly fees and high interest- and no positive reporting to my credit score. When I requested an increase in credit they want to charge 20% per $100. The card only had a limit of $500. A rip off company and Experian is in with the deception.

After finding out I had someone get into my Amex account. It was suggested by the food folks at Credit Journey that I contact the three credit reporting bureaus. Experian was the first logical choice due to their affiliation with Credit Journey. I attempted to log in to my free account and was unable. Given that I never used it I thought it best to recover my password. To my great dismay it the partial recovery email address was not mine. This was September 21st. I reached out to their fraud department, who discovered the hacker had taken over the account oddly upgrading it to a paid account. I imagine more information for them to steal. I had a fraud alert put on my accounts and a credit freeze at Experian. I was told that I should call back in 72 hours in order to recover my account via asking me random questions pertaining to my credit history. The wait was apparently to have the questions generated (??).

I I called in to find out why my credit score dropped 18 points and was repeatedly hung up on without any reason why it had dropped but nothing had changed. There was no reason for a drop at all. One person even told me they didn't know why it dropped 18.4. Shouldn't have are. "You told me to hold on", he never came back. After speaking with five reps they all couldn't explain why my score drop. I asked him to please look at the last 3 months and they can see there has been no change. Still did not answer my question. The worst part was being hung up on.

I was just trying to submit a job application online and part of the process was to sign up for Experian and give them all your credit card details. There was nothing clear about it being optional or separate from the large company I was applying for. Now I have surprise charges on my card. I'm sure this arrangement with the company works out really great for experian. A good and honest business wouldn't have to deceive people to make revenue.

Experian, has racist tactics, in my opinion. My credit score dropped to 627 after my Car was Repo’d. I obtained three credit card accounts after which due to Experian’s advice, and also consolidated an old school loan. All my accounts (including my school loan) now have an excellent payment history for over seven months. However, once I connected to, then disconnected from Experian Boost, my score dropped to the low 500s, and I only used my Checking account to pay my phone bill..

According to their own Customer Service. Experian Boost has a big problem with Joint Bank Accounts. On top of it, the Tech support does not return feedbacks to customers and not even their own Customer Service Agents. Experian has no problem accessing your Bank account and telling you when your Account is low. But refuses to access the bank account and run Boost, if 2 names are reported back from your Bank institute.

We shall see if this information to all consumers makes it way to you The Consumer. I have spent time in researching the best ways legally to Dispute / or Verify inaccurate / Accurate information. Honestly if you owe the money; Pay the money! If you do not owe what a Collection Company says you owe or has placed information on your report that is reflecting Positive or Negative; every Consumer has the right to question the validity of that information. Any debt collector by law must provide Who, What, Why, How, and When. Always request in writing best utilize a (Certified Letter); and so should a creditor to have a receipt for your file. If not, this goes quickly to un-civil back and forth he said she said. And with all due respect, is not at all Professional leaving either party with no recordable resource to stand and battle with.

I'm nearly 71 and when I owed on my house my credit score with BOA shocked me. It was 890. My husband died almost 14 years ago. The first time they dropped my score USAA got involved. The second time I did... this is the third time and their BBB is 1.8. They are no longer a credit bureau. They are a business. I'd NEVER use any of their services because they are a scam! My credit is well above the normal amount and my bills are always paid ahead of time. My house is paid for and I paid cash for my XLE Toyota that was over 31000. My credit score was never lower then 838 until Experian started lowering scores. They have no credibility with me!

A few months ago my auto lender made a system error and marked me 180 days late with Experian, Transunion, and Equifax. This error dropped my scores about 40 points with each bureau. I submitted disputed with each company, and was in contact with the lender to correct the mistake. Once the error was fixed, Transunion and Equifax returned my score to what it was prior to the mistake. Experian which had dropped 42 points, returned only 13 when the 180 day late was removed. When I called to find out why they said that there was nothing that could be done and that my score is completely controlled by their algorithm. I explained that when a factor that caused -42 is removed from an equation, the end result would be +42. They either did not understand that simple mathematical concept, or they did not care.

They have a phone tree that blocks you from ever talking to a person! The recording actually says you have to have a really good reason for them to connect you to a person! But you can't figure out what that reason is. I have NEVER had such a bad experience with a company. And yet we are reliant on them (plus Equifax and TransUnion) for our credit rating. My husband and I are moving and I have packed away in storage the credit bureau files, so don't know how to log in to unfreeze our files, which I froze a couple of years ago. They all three were impossible to deal with. Again, zero customer service.

I signed up, linked my account. I have 3-5 aged accounts that could have been included in the boost. They found one account and raised my score by 2 points. Not a fan. In addition, for some reason my account was kicked our and they want me to keep linking. Not a fan.

PLEASE READ!!! I called Experian today (7/27/21) around 7:20pm to inquire about an account on my credit file that I thought was deleted several years ago. Conveniently, Experian disregarded my requests each year to receive my free annual report, which would have revealed the account a lot sooner (against FCRA policy and totally illegal). I spoke to Cynthia from the disputes department where I was treated like a common criminal for wanting to dispute an Item. Cynthia refused to give me accurate information about my credit file and argued that she was unwilling to dispute or challenge the information being reported because my name was spelled wrong for years and it was too complicated and confusing. Cynthia implied that the derogatory information in my file must be correct because I have an African name.

If you pay Experian a premium they help you however when you use the free service they trash you like you are nobody or a criminal. They look for any excuse not to help you and treat you horrible, they refused to put a supervisor on the line, the service is horrible.

I have twice attempted to resolve a "status of account" on my credit report. The account has been close since 2018. The other two credit bureaus show the account closed. I suspect that if I purchase their package to improve my credit score, the account would be reported closed.

After receiving a letter about a data breach, I followed the instructions in the long letter to freeze my credit "for free" to block persons from opening up credit in my name. I can now see there is a small (not bolded paragraph) stating "don't confuse credit freezes with credit blocks". CREDIT FREEZE: Blocks new creditors from opening a record while CREDIT BLOCK: Blocks new and old creditors from opening a record. Long story short is that I noticed two odd monthly charges of $24.99 from Experian, which I did not knowingly authorize. What a scam? I am at 24 Experian email notifications for July and today is the 21st. Who in their right mind wants that many ** emails. Really??? Very poor business model.

I check my credit report regularly through my bank. Despite having no errors on my credit report, the errors with Experian's identity verification system is inhibiting me from applying for rental properties. I spent 3 days on the website trying to figure out what the problem is and trying to submit documents to verify my identity. The website would not allow me to upload any documents even after assuring right file type and size.

I have paid off 11 credit cards and other accounts and they still show I owe on them. Very slow to update or boost accounts. I do not recommend Experian. Waste of time and money. Plus there is no way to contact them.

Well I really liked this site because it's so easy to use and it's quick and there's actually live people there talk to you through anything you need to get done and also the customers and the workers are just fantastic.

They offer complete details on my credit report, offer ideas how to improve my credit and what to look for that would hurt my credit, and available to answer my questions if any arise. By following many of their ideas and suggestions I have been able to stay on top of my credit and keep it at an acceptable level.

There should be more credit tools to choose from free to subscription adding tools to the package like freeze, lock, ID protection, reimbursements range should measure to your income, credit, free to the amount you check. All forums should be added as such to empower all.

Easy of use, always keeping the user updated on anything impacting our credit. Up to date scores and frequent too. Is a great tool to manage and improve credit score. Love their self-reported accounts feature that helps improve the scores.

I was part of a data breach. I was to get free services for one year and monitoring... They did not honor either of them and then I had to fight with them and my bank to get my money back. I absolutely do not recommend them at all.

Tried to enable Experian boost and it never worked for me. I did everything right and Experian could not get it up and running correctly. Major disappointment as it would have increased my credit score. I pay off my cards every month and have not missed any card payments, or had any late card payments, and my score is not increasing as much or as fast as it should.

They control my score and do not edit for mistakes, yet they want to sell me a program to up my score with them. I would think the FTC should put a correction upon the company, basically a unethical practice.

Experian is always up to date, offering consumers information right at your fingertips. The site is very user-friendly, convenient, and notifies you on a regular basis about your credit scores, opportunities, available services and more. It is a safe site so you can feel confident about using it on a regular basis. This is the only credit check site my husband and I ever use.

I like that they send you your Experian score every day and credit card offers. I use it to lock my credit. My only complaint is that you pay a monthly fee and if you want to look at all 3 you have to pay 3 times the monthly rate to do that, and they don't say if you click you will be charged. I think they should offer it for free at least 4 times a year.

When I signed up for Experian to see what was on my report, my credit score was at a 515 and I had quite a few negative items. After paying off some things and disputing items my score went up significantly. I was able to get approved for the suggested credit cards and within 60 days my score went up over 150 points and all negative items were successfully removed. Experian gives weekly updates on my credit usage and tips to keep my utilization down so I won’t make the same terrible mistakes I made previously. I will be purchasing my first home by September. I recommend Experian over the other credit sites since they give the most accurate ratings.

It's a great app. I personally increase my score by 40 point in my first 3 month. You can optional Link your Bank account for better result. By doing that I have increase my score by 19 point along with my cellphone Bill on time payment every month. Do not be afraid. It's simple and safe. They will automatic scan your Bank account every month to help you increase your score and the best thing is that you can unlink the Bank account anytime.

I usually get the score of my credit through my credit card services. It indicates the score and what are the applicable changes due to the recent activities. I can look at the activities and determine if I recognize them.

It no wonder to be a convenient and trustworthy for one that can provide an instant and more easy way of one’s credibility when it comes to contact or hiring activities. What more better is it also well accepted in most of the fields and quite easy to use.

I really like using Experian, but when I have issues with disputes or need assistance, there's no customer service. The phone lines don't allow you to ever get to a person and they only give 2 Option. Get a credit report or fraud alert. I'm simply trying to file a dispute for an account that was already paid, but they keep saying dispute failed. No one can help me or tell me why.

They always notify me of any questionable hits on my credit report. They have helped me with identity theft and fraudulent charges and accounts, in additional to notifying me about all of the people I have to contact with the appropriate resources.. Have been efficient. I don't wait on hold forever waiting for them to answer.. They are always very friendly and helpful.

I absolutely love Experian! The information that Experian provides helps to really keep you on track with your credit building progress. My credit rating has gone from the 600's to the 700's in the past year.

The free version allows you to view your score, your credit card accounts with payment history, basically the full credit report. It will also do a dark web search to see if your details come up in any questionable sites. It will also send emails when your score changes, even by a point. Overall, a great way to see how your credit score changes over time. Only minus is that if need to update any of your details online, the process takes time and it might not yield any results. Better to do it the old-fashioned way, by calling.

They used data that was about a month old, thus lowering my score based on a credit card balance that was actually paid off. Other than this, the report seemed accurate. I did not review against other companies.

I accessed my credit account through Experian, and found many things on the list that I knew nothing about. They have me listed with a different last name, for one thing, and my name hasn't changed since 1981. They also have me listed as living at a couple of addresses I've never lived at, and at the same time as showing me living at the correct address. I tried to contact them to have these items either removed, or updated to the correct information, but to no avail. The incorrect items have been part of an issue I am experiencing with trying to refinance my home. I am so frustrated!!!!

Experian provides updates on scores and reports, alerting me to changes. Emails offering me about car insurance are a little annoying. I stay with the free membership. It offers more but some credit cards give me access to the others.

I logged on for the free trial and of course they make you attach a credit card number. I've tried to cancel my membership I can't speak to a human, the recording says you're only allowed to be forwarded to a customer service representative in special circumstances but don't tell you what the circumstances are. I enter my information and it tells me that they do not have that information which is complete crap, as far as I'm concerned this company or this site is a complete scam.

Having simple access to my credit report 24/7 has been invaluable over the past 3 years since I have had to move twice. I have been able to put myself to the top of the pile of applications by providing a printed copy of my Experian report directly to the landlord/manager, without them having to pay a fee or use their time to retrieve it themselves. The emails Experian sends out helps you to easily learn about what is important to your credit score and the stats provided help you keep a close eye on your credit. I convinced a few others to sign up for their free account. If anything negative gets posted to your credit report, you are notified and can nip the problem in the bud. I am grateful for my Experian online account.

The free app gives the basic information I am interested in my credit score and what impacts it from month to month. It tracks key areas of bills and income. I would recommend checking this one with the other 2 credit agencies.

When you sign up for Experian they state themselves to be a “completely free” credit service. You’re given many neat and helpful features to explore. For the first two weeks this service is amazing, until you get a $30 bill you didn’t approve and now have to go about disputing. When you sign up, without providing you the choice, you are automatically enrolled in their premium account. They wait two weeks to bill you so they can just take the information you’ve provided for your credit monitoring and be able to bill you without your knowledge, or you even entering your card details. Turns out this “super neat and helpful” service is only available if you’re willing to pay $30 a month, the free version is to say the least, a bare minimum, which you could just get from Credit Karma instead, they’re actually completely free.

So to begin with, I’ve always had problems with Experian, to me they're the worst ever reporting agency, always getting my information wrong, adding collections that weren’t mine. Awhile back I deleted former addresses off my report and it literally dropped my score by 50, so I chat with an agent, she says, "Oh that was just a coincidence.." Ok so I do it again... Lo and behold dropped again by 60 points, again I was told it was another coincidence.. Coincidence my **.. Then she says she can’t do anything about it.. So you're telling me you screw up my score and can’t fix it? She said it wasn’t them.. I said then I guess it was the Russians.. And I hung up... So I log on today and they literally say I have no credit score now.. Wtf? Haha They are a bunch of idiots.. This is the worse ever credit agency ever.. Yes I have a credit score on the other agency... Funny huh? I really hope Experian steps on a Lego and then slides on a matchbox car...

The actual services, like IdentityWorks are awesome and I think they work great. The 1 star review is to hopefully get Experian's attention that they need to change their customer service processes. I've had a problem with my IdentityWorks account for a month now, and it's still not resolved. The issue is, you cannot call them. Their 800 number is a joke. A computer answers and demands your SSN before continuing, and refuses to let you bypass the question. Once you give up and give them your SSN, the system gives you two options. If neither of those are your problem, it hangs up on you. If you choose one of the options, one tells you to go to the website, and then hangs up on you, the other gives you two new options, both of which tell you to go to the website and then hang up on you. Getting upset and hitting 0 over and over causes the system to hang up on you.

I received an email alert that my password had been changed and to email them if I did not do. I emailed and hours have gone by with no response. You cannot call any phone number and get through to a human. Now someone has access to my account and I can't do anything about it because I cannot contact them.

Boost reduces your credit score by showing you have more debt because of your monthly utility bills. If you remove Boost, Experian retaliates by reducing your score one point for each utility bill removed.

I received an email alert that my score went up. Checked and it actually dropped 6 points! I checked my file and could not see any reason for the drop. Called Experian and was told they could not identify the reason. I was told and given a number to call FICO which I did and FICO advised they only report what Experian send then. Called Experian back and asked for Supervisor. She did not give me her name and was very abrupt and irritable. She kept telling me to check my alerts and I explained that the alert said it was going up and no alert indicating it had went down and nothing I could find on the file had changed.

Worst company ever. They advise and I only had two credit cards. They advised me to get another one to up my score from 732. I applied for a two credit cards and my score went down to 699. I am furious that this is what they do and you can never use Boost because it's always busy. Canceled my membership. Worst customer service ever.

Be WARY of this company. They rely on the fine print of their offer to take advantage of countless people. Their entire business model depends on the exploitation of people who need help with their credit. Avoid using their services.

The boost is a con! Do not sign up because they blow up your phone, text you constantly and e-mail you to death! Run! Run! It does not work! You are wasting your time and getting cookies for everything you do from then on with phone or computer!

I wanted to allow a creditor one time access to my credit profile which I have frozen. I created a single-use pin as per instruction on the Experian website. When I called the creditor and gave them the code that was generated it did not work. I spent the next 1.5 hours trying to speak to someone from Experian to rectify this, none of the numbers on the website lets you speak to an actual person. Finally found a number somewhere on the internet, someone who had a similar experience. I finally get through and spent quite a bit of time trying to rectify this. I wasn't happy with the customer service and was glad when I was done creating a new pin. I called my creditor and gave them the new pin and surprise surprise it didn't work again. I got so frustrated with this and just cancelled the application because this would mean talking to Experian again. Am ready to jump ship.

Since they failed to secure their data, you the consumer must send them a letter to unfreeze your account. Welcome to 1960! What is that about? How crap is this modern data based company? Unreal!! So now we cannot get a refinancing on our house. We have to wait and in the meantime we will not get the low rate for our house loan.

I've had a paid subscription to this service for 1 year. Recently I had an identity theft and then noted that the thief was able to reset my username and password using the DOB and SSN they've stolen. I corrected this and it occurred again. I spent 2 hours and 20 minutes on hold with a call center abroad, multiple transfers to 'supervisors' and they failed to correct the error. I would never pay them again for this horrible service. One ignoramus even told me 'if you're not happy, you're free to cancel your service'. Excellent idea 'Andrew'.

They won't take a LOCK OFF MY CREDIT REPORTS so loan companies and housing management companies can review credit. Customer service is TRASH. They're terrible. Customer service is terrible, disrespectful, trash.

Said I have no credit rating! I kid you not have a 726 score with these idiots. Told me to how get some accounts and start a credit history. Have 749 and 740 on the other 2 credit and had 726 on Experian then all the sudden I have no score at all!!!!

The credit report is not reliable and does not reflect customer’s accurate and up-to-date information. Specifically, I updated my name change to all lenders through their online systems, and my credit history with Transunion and Equifax both have my correct credit history of 7+ years, 25 active opening accounts out of 28, and name updated. Compared to my credit report with Experian, it only reflects my credit history after my name changed with total of 3 opening accounts and 2-year length in credit.

I tried several times on different dates to connect an agent or on chat line. Every time I had to wait for a long time about 20-30 minutes and either got disconnected or asked me to try later. Experian needed to improve their customer support service.

Report with wrong, confused and outdated information. I contacted many times this company to correct the information, but unsuccessful. The information in report is not checked. If somebody is wrong and want to make me bad he use Experian. Bad experience. I think this company is not serious.

Experian gave me a year of free service due to a data breach. In the past year they've sent me (2) separate email alerts concerning attempts to establish new accounts on my credit report. In following up on each alert, I ended up spending hours on the phone with employees who had absolutely no knowledge of why I had been contacted by their company. In both instances I spoke with the credit card companies Experian claimed to have been recipient of the "new account" attempts and in both instances they had no record of the attempts cited by Experian. So far Experian has been unable to explain these alerts. Huge waste of time. Would love to get to the bottom of this with Experian....

I wasn't able to unlock my credit through the app so I called.. I was on hold for 10 minutes, someone (that barely spoke English) answered and after I said I need to unlock my credit, he said he'd transfer me. On hold another 20 minutes before I realized they closed 10 minutes earlier with no indication on the phone... I had a very nice guy waiting during that time to run my credit. Seriously?? After reading the other reviews, I'm going to find another credit monitoring service.

I was a victim of Identity Theft in 2019, I just discovered that I am blocked out of Experian website and that my contact information has been changed. I have tried to get in contact with a live person in Experian without success. I just get sent into Auto Attendant Hell, and since my information has been changed by the Identity thieves the system kicks me off the phone. I had mailed written instructions to all credit bureaus last year, but Experian is the only one I did not receive a reply from. Terrible service support, I would, if you have a choice, recommend you ask your creditors to use another credit agency. Identity Theft is stressful enough but having to deal with Experian make the stress so much worse.

I just received notice from Experian, that my credit score decreased. They decreased my credit score by 13-POINTS for no other reason than paying my revolving accounts in full and leaving them with zero balances. One would think you'll get rewarded for paying your bills in full, not penalized. This is Experian for you, they do not follow the guidelines used by the other credit reporting agencies, but theirs.

I use all three credit bureaus. I've had my identity stolen in the past as well as fraudulent charges to some of my credit accounts. You can elect to lock your credit report at all three bureaus. This keeps folks from being able to use your information to commit fraud of various kinds. Experian is the only one that makes you pay for this ability to lock your account. This should not be the case. Anyone who has an account at the credit bureaus should be able to lock or unlock their accounts online with having to pay for the service. The other credit bureaus do this. Experian wants $24.99 a month for this service. If all three credit bureaus asked this much for a service, it would be $75.00 a month! This is what I call highway robbery.

Received notice this week that there was a data breach at Sam's Club where my husband and I have an account. Notice included a bunch of legalese and a 1 year membership to Experian with an Activation Code and and Engagement Number. Tried to sign up online but Activation Code was "invalid". Called Customer Service number provided by the same notice. Customer Service rep Debra hung up on me as I went to get my spouse on the phone for me to proceed. Rude!

There is no way to contact Experian by phone. Never been late on a payment. I used my credit card for our hotel and before the payment was even due, Experian dropped my credit score 50 points which changed my rating from GOOD to fair.

Two credit agencies are reporting incorrect information to Experian and I have made numerous attempts via Experian to correct the false information that is being reported. I have supplied Experian with FACTUAL information on three occasion since April of this year, (2020). Experian claims they have contacted both companies who are providing the false, illegal information and despite my providing correct, factual information which can be verified Experian continues to allow the false information remain on my credit report. What that demonstrates is the gross incompetency of the people who work at Experian.

Upon looking at my bank statement I see a charge from Experian. After going in circles trying to talk to a human was just as bad. Anyways they tried to tell me I signed up for a membership. I never signed up for any membership and they could not provide me with anything showing that I did including an email regarding the membership and the cost. Even after reading reviews I took my chances and this is what it got me. They say that they have fraud protection and they are the ones that we need to be protected from, horrible, horrible company and the robotic people that you talk to in no way can you understand them. Stay away and stay safe. Protect yourself from them.

Experian is a scam. They send random, useless alerts. You cannot contact the company through the website or email. If you call, you wait on hold for 20+ minutes to be told that you must call a different number which is automated and simply a tactic to sell you services. You are not able to speak to anyone about anything substantive. I was provided the "service" free as part of a class action settlement. It's free and more aggravation than it's worth.

I have screen saved every question they have asked to prove who I am to lift a freeze... no problem with other two CA's. Credit freeze because of breach hack. Lost my house with all pin info etc for everything in a total loss house fire. Sent info to address 4 months ago, was able to buy new Jeep because dealership did not use Experian, thank the stars, maybe other will stop using them. Have great credit, in fact, Experian is the highest at 813, but still can't prove to them I am me.

How is this company even relevant in the 21st century? 10 years ago, I placed credit freezes on the three credit companies, following a fraud incident. To this date, I have had no issues with Transunion and Equifax, but nothing but ANGUISH with Experian. For starters, the state I live in requires that security freezes must expire after a seven year period. For whatever reason, 10 years later, there is still a credit freeze on my account, and I am presently left without a viable option to remove the freeze. (Strike ONE) For starters, the Experian website is worthless. It is basically nothing but a marketing tool to sell you additional products and services. There is an option to remove the freeze online, but I have been unsuccessful following multiple attempts. There are no options to email or contact chat/live support. (Strike TWO)

They monitor my credit cards and I saw a 248.00 charge from a gas station in Italy. It wasn't me. They took care of filing the fraud report after I told them it was fraud. They show me regularly ups and downs in my credit cards. What's missing is not showing changes in bank accounts. If I withdraw 5000.00 there is no mention of it. I have had my private info stolen from my work place, my utility bill, and a card scanned at Macy's by a deceptive young woman, which ended up spending money in NYC. Again not me. I would like to be notified when bank accounts are used.

Experian been great to monitor all my accounts. It tracks dark web driver license, medical id, ssn, emails, passwords. You have all in one account and the best thing is I got the membership for free. Also you link your bank account and credit cards.

Been getting jerked around by Experian customer service for 4 months now. I have an issue that needs to be resolved with all the credit bureaus. Transunion and Equifax seemed to have no issue fixing it (fixed it in literally 72 hours). Experian, however, has a level of incompetence that rivals the crew onboard the Exxon Valdez. The agents are deplorably rude, incompetent (knowledge wise) and have no interest in serving their customers. And the issue still not resolved. Absolutely ridiculous.

Terrible customer service and cannot reach a live person. I had a dispute issue resulting in a 35 point drop in my credit...which is a huge problem that I wanted taken care of as soon as possible. I was unable to reach a live representative on the phone and their calling service leaves much to be desired, disconnecting me when I was asking for a representative. While I realize how companies attempt to force you online at all costs, much to the dismay of the general public, at least if you try long enough you can reach a live representative by saying "operator" or Representative. Experian's system just hangs up on you.

I’ve been receiving emails from Experian ever since I signed up for the class action claim for having our personal information stolen online. I didn’t receive any compensation. I noticed that their emails do not have a link to unsubscribe. I called their number, and the very first thing the automated system asked was my SOCIAL SECURITY NUMBER!!! Really??? Who does that? I hanged up immediately, and just archived the email as junk. WATCH OUT!!! You don’t need Experian services. They seem to be scammers. You can get credit report services through your bank, Credit Karma, Credit Sesame, and other reliable free companies.

Experian charges for services that it does not render; they screw around with your Credit Scores; and do nothing in the way of updating your credit information; UNLESS, you take the time to file a Dispute; after you file a Dispute, it take 4 to 6 weeks before the Experian updates it records. IF YOU NEED an updated Credit Report (all 3 Reporting Bureaus); these Experian charges a fee for producing Credit Reports that have not been updated! In addition, closes out its FICO Reports 2 weeks earlier than Equifax and Transunion; hence, forcing individuals needing an updated Credit Report (Experian, Equifax and Transunion) to pay an addition Fee; smooth move on the part of Experian; another one of its Rip-Off Schemes.

Someone should investigate the algorithms that are used by Experian. I have what is known as a "thin" credit file since I am fortunate not to have any debts (mortgage, auto, etc.). I pay off all my credit card outstandings, sometimes just before the closing date for billing. Recently, my credit score dropped by 25 points, from one month to the next (812 to 787) because I paid down a $68 charge on my credit card - reducing my outstanding to $0.00. Because I had no outstandings, Experian said I was not exercising good credit management. That is ridiculous! I have a mediocre credit score because I do not have any debt and own my house without a mortgage. That is crazy!!! The credit agencies should be investigated.

I received a notice of a credit score change. I attempted to sign in, numerous times. I went through a username verification, and requested a password change. After numerous tries, I was locked out. I've wasted a lot of time trying to use my "FREE" service. I have NEVER been able to use it. In addition, this outfit has got my personal information. I hope I am not a "fishing" victim.

This is one of the worse services I have ever tried to use. Period. Terrible. The online enrolment did not work. So I waited online for over 1 hour to then speak to a person who didn't know what she was doing. She also could not get the account to activate. Her solution? Call back and try again tomorrow! In other words, call back and waste another hour of your time tomorrow and try with another agent. What a waste of time and energy. I guess if they cannot figure out how to activate my account there would be little hope of them ever being able to save my identity.

While registering after answering about 30 questions it said I could not be verified and that I must call a phone number. I called the number given and then was left on hold for over 20 minutes without being given a callback option.

I always pay off my credit card balances each month. Experian claims if you stay below 30% credit utilization that it won't hurt your credit score. I tested that, and allowed my accounts to show balances this past month but stayed at 28% and my score dropped 10 points. Wtf.

Updated on 7/21/2020: This further review of Experian accompanies my earlier rating. After posting my review yesterday, despite repeated attempts to contact them, I contacted my bank manager for my SunTrust Bank, an Experian affiliate, and the sponsor of the credit card Experian has fraudulently charged. The bank manager was able to contact Experian after several tries, And verified that I was NOT a member of Experian. A fraud investigation was therefore opened with SunTrust Bank. After getting off the lengthy phone calls, I decided to check my Credit card statements. Well, it seems Experian has been billing my credit card for months, Sometimes three times a month for the same amount, $21.95. So, Watch your credit card statements, and be prepared for long telephone times to deal with this scam.

Experian is not an accredited company and it shows in how they handle business. In their history I have a blocked account, then they have no one with my birthdate or social security number. You cannot have it both ways. Either I do not exist or I cannot be blocked. No one will answer the several phone numbers they have listed so you cannot communicate with them without writing a letter, adding all your private information, then hoping the mail service will deliver before next month. Very exasperating and not good for your blood pressure.

They don't speak English so they don't know what they're doing but there's no use in trying to correct it. Show your pertinent documents to the people you're trying to obtain credit from. I recorded conversations and ask for contact email of someone, a supervisor, so I could email the recorded conversation and they could hear how this woman, calls herself Jane, treated me. Don't count on the consumer protection agency helping you. They're at the golf course with Trump. I'm an INFIDEL and proud of it!!!!

I was using Experian Boost app and was showing a score of 642. Was paying off Debt and working hard to boost my score. Went to apply for a rental that was using Experian and got the shock of my life and then the landlord said I had a 582 credit score. How could Experian boost show one thing and Experian show another? Long story short I did not get the home. Very frustrating.

1) Wasn't able to freeze out accounts online. I was instructed to send in a huge packet of personal information which seems to me to be more vulnerable to theft and fraud. 2) Everything on the home page seems to be a sales promotion to get you to buy in to something. 3) Experian gives you no basic protection UNLESS you buy up. The protection for my personal information is being held hostage. 4) Constant barrage of emails, from Experian, to get more credit. Everyday a new email and nowhere is a link to unsubscribe.

Credit report rises and drops 20 points every month when no changes take place. 0 balance on all credit cards and all purchases paid in full every month on time. Auto loans on auto pay and never late. Why the 20 point drop? No new credit? Call and they hang up on first call then get someone else and they tell me they use an "algorithm". I told her it's obviously broken. This place is a sham and is just trying to peddle their "boost" program to unsuspecting buyers looking to improve their credit after the "algorithm" Tanks their credit score for no reason. The service rep could not give me any answer why my score dropped 20 points and I went through each excuse with her in painful detail. FBI should shut this place down.

Experian is the slowest of the 3 credit reporting agency. I currently have a dispute in, I submitted it on June 20th and they say it won't be ready until July 19th. TransUnion reviewed and deleted my dispute in less than 72 hours. Plus can you really trust a company that allows you to pay them and they will up your score????

Let me be clear about this so there is no confusion to anyone reading it: Don’t sign up for a free account. Experian just ILLEGALLY charged me WITHOUT my authorization. I did not change my plan from the free plan to a paid plan, yet that’s what I was just charged for. There was no indication that they would be upgrading me without my permission. I was not, and still not, receiving any product or service to allow a charge of $24.99. They just upgraded me on their own with no notice. Even though they are always VERY VERY shady about trying to make me click an upgrade button, I NEVER fall for it.

I sold my house and a vehicle and they still show on my credit report. I disputed them both and Experian would not correct it on my report. I tried to send in another dispute and they told me that they do not have to look into a second dispute. Very poor customer service!! They are not set up to help those that pay for their service. They only protect the Billionaire owned companies!!

I signed up for the services to access a tri merge of my credit reports. It was a 24.99 a month service. I was able to utilize the service for 2 weeks before they begin to charge my card again for another month. I decided to cancel the services, I tried countlessly of the course of 2 weeks to reach to customer services by phone and through the web. I could not cancel through the phone. The automated services asks you to identify yourself by in entering in your SSN, zip code, and numerical # of home address. The automation then prompts you to enter 1 for membership and billing. Once you press 1 the automation asks you if you would like to cancel or have a billing issue, once you hit cancel the automation tells you that they could not find your account and prompts you to re enter your SSN, zip code, and numerical # of home address.

They promote the app and website with a promise of checking all three reports for free. Then prompt you to upgrade for a fee as soon as you log in. After refusing to upgrade, I found that the info on their page doesn't match what the other agencies have. Said boost would up my credit score and it did nothing. Actually says I don't have a credit score from any of the reporting agencies. The other reporting agencies say otherwise. Upgrade, Upgrade, Upgrade! Won't let my put my actual address, but lists me as living somewhere I've never lived. Contacted support and nothing. Experian is more of a scam than a credit reporting agency. Waste of space in my phone too. Deleted!

Experian Boost is a FRAUD. On Monday my FICO score was 782. On Tuesday, at the ceaseless prompting of their email bots I tried the so-called 'boost'. Their clumsy and anemic algorithm literally LOWERED my score 15pts to 762. Lowered it! Their boost was entirely DETRIMENTAL which their verbiage clearly claims it would NOT be. I am trying to buy a house and their 'boost' is scuttling my efforts with bait-and-switch advertising, false promises and worst of all a laughably executed, broken and invasive BS algorithm. I've emailed them half a dozen times but I am sure email goes to a bot and won't be actually addressed. So, thanks for nothing Experian - you tone-deaf exploitative capitalist suppositories.

My husband and I had a bit of misfortune in 2012 due to a business venture which got coupled with our personal credit. We had to, unfortunately file for bankruptcy. We were told that it would fall off our history in 7 - 10 years. Since it has been 8 years, I decided to reach out to the 3 reporting agencies to request it to be removed. Transunion immediately took action and removed the mark. Experian was not so helpful and in fact, stated that they would not remove until the full 10 years. While I mostly go by Sonia **, my legal name is Sonia **. Wondering if there is any bias here or are they just truly the worst company????

I have a Total and permanent disability (TPD) discharge for my student loans since 6/18. Never due, never late, never made any payments. Experian has all of these accounts right now as OPEN. I have 2 lines of credit, their records show I have 27! They are not allowed to list Total and permanent disability (TPD) discharges on credit reports. Sure enough, has not been verified since 2018! Not on my other 2 credit reports. Scores there average 735. At Experian it's 650!!! Says I have too many lines of credit open. Says I have too many late accounts! I haven't had ANY late accounts anywhere since way before my bankruptcy in 2011! And that's being listed as open and active too!

I took their advice and my score DECREASED 10 points. When I called to complain the woman would not listen to what I was saying and I finally just asked to file a complaint. After arguing with me about it she put me on hold forever. Then she begrudgingly took the complaint. I was contacted today by a bank and told my score decreased 63 points overnight! I called multiple times to ask why during the business hours Experian Boost states in all their advertisements and emails and they won’t take calls on weekends - although they say they do. I emailed MULTIPLE TIMES, no response. I think these people should be investigated. Further, what they told me they could do by accessing my checking account is not true. I canceled my “trial”.

It's amazing how fraudulent Experian is. They hold the power to people's creditworthiness and they themselves are fraudulent! I had one of their free accounts and out of the blue they started charging me $24.99 per month. Attempted to call them directly are thwarted by their phone system. I have not been able to contact them directly. I declined the charges directly with my credit card company. This has happened 3 times now! One charge in April then 2 in June. I have never signed up for their services. I feel this company should be investigated.

Experian used to be a good resource ten years ago. Now I cannot even log into my account. Tried everything their menu said to do- Nothing works! Contacted tech support by email. Nothing they said works! My unemployment benefits say they have to verify my identity thru Experian- good luck with that! I can’t even do that! They hijack all your Most personal info and don’t even let you contact them? NO ONE LIVE reachable by phone or email! What??? This is a terrible company and should be shut down ASAP! They care NOTHING for the consumer! But they can throw costly ads around on TV like everything!? Creeps! Shut them down ASAP!

Due to identity theft, I attempted to freeze my credit report. Equifax & Transunion were both free and quick. However Experian rigged their website to funnel you into an upgrade to their premium plan which charges a premium. I Googled credit freeze for Experian. Found the free link (required by law) but the website was buggy and locked up. Experian now requires me to snail mail my private information including ss# and copy of driver's license to their office in Texas. Is that a secure way to protect your private information? This company is a venal joke.

The worst credit app ever. You can not use the link provided in the emails they send because each time you will have to reset your password. Even if you have the right security question answers you will be locked out of your account. What purpose is an app if you can't also view it in an online platform too. The only good thing is I tried the free membership before deciding if paying for it. Not worth even the free membership. Too much of a headache.

My wife sent letters dated 5/23/2019 and 6/12/2019 asking Experian, "Please cancel my membership." Experian did not cancel the membership, then charged my wife for another year of credit monitoring in 03/2020. On 5/14/2020, at 479-343-6237, the telephone agent at Experian said at 6:50 PM PST that my wife would receive an email confirming the cancellation of credit monitoring "within five or ten minutes." It is now 7:50 PM PST, and she has received no email after a full hour of waiting. Every time my wife and I apply for credit for a large purchase, the other credit agencies, such as Equifax, always cooperate in providing our credit ratings to the seller of the large-ticket product. Experian never does.

Wish you could leave zero stars since they have zero customer service. There is NO WAY to speak to a human!! I want to remove the credit freeze I put on and cannot and there is no way to speak to human. They are requesting I mail a letter, that helps not all when you want something that's on sale for 24 hours. I am unable to buy what I wanted and it's because of Experian! I am livid.

I am not sure what the problem is, but how are consumers suppose to put in a dispute online if it is always having technical difficulties. They need to resolve it. "We're experiencing technical difficulties and cannot access your report at this time. Please try again later." Very frustrating.

Totally useless! I pay $25 a month and have done for 3 years. I have one account that they can apparently see the information like credit limit. They did something wiped out three years of history and it shows nothing for a balance or credit limit. Spent 7 hours with every department blaming the other. Although they see it I received a paper report which still shows what I see. Cancelled my subscription. I am tired of speaking to India and wherever else you go when calling and repeating my information five times each call. Stay away and use another company. I have reported them at this point. How are you supposed to use the tools given when they can’t get the information correct.

I receive monthly updates on my credit and I receive alerts on my credit/debit cards for uncommon activities. I am very happy with the continued monitoring of my accounts as well as the assurance of protection against fraudulent charges.

Experian is the worst credit bureau. Their customer service specialist are by far the most unprofessional and rude agents ever. This is particularly disappointing because their wait times are very long so to be met with an unsympathetic agent is even more frustrating. I called to have them correct an error on my credit report and notified the agent that they may need to take my phone number down in case they need to call me back, because the previous agent had poor reception making it very hard for me to hear her. After having to call three times and waiting over 1.5 hours to speak with an agent, the agent proceeded to remind me we were in the middle of a pandemic (as if I did not know) and then hung up. I would never recommend Experian to anyone.

Through, student loans, private loans, car loan, credit cards, and now a mortgage, never has Experian been accurate nor up to date any of time I have run my report. At one point my name change was over 6 months old and they denied me assistance because THEY were outdated and it raised a security flag. AGAIN, an address that was 7 years old was still on file and they denied me assistance or report because they were outdated. They are slow to remove credit runs, slow to update payoffs and always 70-100 points lower than both of the other agencies.

They found me all over the dark web. Offered NO advice. I know your name, address, phone number and email is more than any good hacker needs to steal who you are yet I paid for protection and they are supposed to handle it. They don't and charge 29.99 a month.

Put a credit freeze on my report several years ago. Wanted to temporarily remove the freeze but have been unable to do so. Experian DEMANDS that I send a copy of my driver's license or other government issued ID plus a copy of my social security card and a copy of a utility bill in my name!!!

They keep sending notifications that I need to connect my bank, but then they give errors messages, and it doesn't work. For at least a month. Then there is no way to contact them, no email and their phone number would not let me speak to a person and hung up on me three times. So I have no way to address this and it could affect my credit. ABSOLUTELY TERRIBLE CUSTOMER SERVICE AND CUSTOMER RESPECT!

I started using this service July 2019 as I began receiving emails from Experian that my personal information had been compromised via the dark web. Their website appeared (as it does today) to offer a plethora of not only services included in membership but the ease of setting up a "protection cloud" over my entire identity.

04/17/2020 I purchased the 24.99 full monthly Experian membership as suggested to find a way to increase my score. The credit increase simulator tool suggested that I pay down my credit card utilization and I would get an increase of 66 points by doing so. I paid down that utilization to 0 dollars (1700.00) in total as instructed through the membership and instead it dropped my score 5 points. When I called on 04/18/2020 I spoke with representative Trisha. Who could not explain why my score would have dropped and only understood my issue and concern. When I asked her who could explain it to me from Experian she suggested I hire a financial advisor as no one in the office is trained to know the answer to my question. When I asked her next what her ID number was in order to contact escalations and inform them of her lack of knowledge she did the “I’m sorry your phone is breaking up. I can not hear you“ line and disconnected my call.

My credit score everywhere else is 812. Experian has me at 693?? And it DECREASED by 12 points this week when it has been going UP everywhere else for months? What a racket! They use fear to try and compel people to buy their stupid memberships to help credit! I hope companies that check your credit do NOT use Experian...it's a scam. Not a legit credit reporting agency. Shame on them.

As a user researcher for a very large software development company, I actually try and empathize, give the benefit of the doubt, to websites and customer service. I was trying to combine my Experian account with my husband's account. OMG. What a cluster. Not a single person (there were 5) talked to knew how to combine the accounts successfully, let alone help us understand what the different levels of service and options were. I accidentally switched from a family plan to a different individual plan without realizing it. I also wanted to understand what were my best options for creating accounts for my 2 sons who are disabled, who I am legal guardian for.

Took forever to get to a human because the options via computer did not match my needs. Once I did I was on a very long hold. Once someone answered I was told someone else needed to help. When I was transferred they cut me off. Been trying to resolve an issue for a couple of hours. Just awful customer service. BTW I'm 62 and this is the first time I've given any company a bad review. Congratulations Experian.

The actual credit monitoring is fine. They will NOT allow you to cancel. There is no option given on the website and the phone will put you on a recursive loop. You will need to mail a letter to cancel the membership. It's really uncool.

Just like everyone else on this site. Requested a Free report, never got a cancel your membership or you will be charged email, looked at my credit card statement recently and realized I have been being charged 21.95 a month for 8 months. I can't get anyone on the phone, I can't cancel online, they (Experian) are purposely creating obsticles to cancel their little scam. I'm trying to cancel my credit card numbers so that they have to call me to get it restarted. DO NOT SIGN UP FOR ANYTHING WITH EXPERIAN!!! ZERO CUSTOMER SERVICE, THEY WILL STEAL $$ FROM YOU (this is somehow legal extortion).

I have a negligence suit pending. I disputed all that I knew are related with Experian. They didn’t take my word for it but instead said the reporting collections company information was verified as correct. The collections agency was notified by my attorney. They are not helping my credit score.

This is a credit bureau and should not require a paid membership to speak with them. I have requested their fix their mistakes and they haven't. My Experian score is 100 points+ below TransUnion and Equifax because they say I have high credit utilization when I have zero balances. Experian is a racket not a credit reporting agency.

There appears to be no live support for issues outside of password resets. Such as, when logging-in for the "free services" and finding yourself trapped on an ad page wanting your credit card information for additional paid services. It seems like this was done intentionally to capture more paid service memberships. Very shady business practice for someone handling my credit information, if that is the case. Extremely frustrating to say the least.

My scores with Equifax and Transunion are 800; my Experian Score has been 762 for as long as I can remember. It never changes, even though they contact me regularly to tell me that my score has been updated. They are trying to sell updated services for a fee and I suspect that if I were foolish enough take this option, my score would miraculously shoot up. The right scores appear to be on Credit Karma and Credit Sesame, so I would suggest that Experian be boycotted in favor of the other two alternatives.

On Dec 21 2019 I paid $1 to purchase my credit report. Since then I was charge $ 21.95 each month. I never sign up any contract paper or never receive the receipt of the charge from them, Until I checked my credit card statement to find out. I called today. Was told one week after you purchased your initial report if you don't call and cancel it then you will be charged $ 21.95 automatically monthly.

I had free credits report for several years ago but somehow they start charing me $21.95 since January 2020.. I never signed up Plus subscription. I checked my email but I don't see any confirmation email for subscription. This is scam company.

I was signed up for a subscription. I definitely didn't begin any sort of membership and hadn't even visited the website today. I cancelled my membership and called to ask for a refund. I was very polite and patient on the phone. The customer service agent told me that "memberships are non-refundable." I stated that I hadn't signed up for a membership and would really appreciate a refund. She told me to "hang on while I check this on my end, okay?" I said okay... She hung up on me.

After being placed on hold for 20 minutes, I decided to just hang up. Grab a snickers bar if you need to get in touch with them, it’s going to be a while. If deciding on which company to choose, customer support should be a factor.

Experian dropped my credit score (for the second time) because my credit card was stolen. The first time experian dropped my credit score because in December 2 insurances and Xmas were charged on my credit card. Makes no difference that I pay all my bills on my credit card and pay all my monthly expenses on my credit card and then pay the card off every month. However the last straw is when experian dropped my score because because my card number was stolen.

This review is intended as a notice to consumers that your financial/credit history may be at risk due to improper actions on the part of Experian and other credit bureaus. In a nutshell, Experian is violating the Fair Credit Reporting Act, Experian is promoting identity theft, and in my case, Experian is jeopardizing a senior citizen's financial well-being. It is highly likely Experian is playing loosely with your credit file as well.

I recently decided to place a freeze on my credit with the three top reporting agencies: Equifax, TransUnion, and Experian. Equifax and TransUnion were very easy processes and I could perform online within minutes. Experian has a form and after having filled it out properly with all the same information entered for the other reporting agencies, I was denied a freeze on my credit and instructed to send the request in writing with several items of proof.

I hadn't finished signing up for the boost feature when I looked at my bank statement and saw Experian charged me $24.95! For what? Why has Experian charged me $24.95? I hope they contact me from here, because I called that customer service number and can't get thru to an actual person to find out why they charged me.

On Saturday, February 1, 2020 I received an email from Experian "informing" me that my FICO credit score had suddenly gone down by 25 points - from 844 to 819. I looked at every indicator on their website and there was no explanation for the decrease. In fact, every indicator listed there: my credit card, auto loan, mortgage and delinquency histories all showed as "Exceptional". When I tried the "Contact Us" numbers shown on the Experian website, every one of them took me to an automated response unit - I was unable to get to a human being via the Experian website.

I don't know how or when or why but Experian started billing me and my husband $19.99 a month. I called to cancel. A slow talking sales woman had have a discussion as to why I wanted to cancel and then had to read to me about all the products Experian would now give me for free. This was a 20 minute process. Ridiculous!

What is up with the fluctuation of the FICO score almost daily when there has been NO activity? This is really annoying and very disheartening when you are attempting repair. Customer service is of no use as their standard reply has been "things change". WTH??? Not on my end... no new inquiries, no new purchases; in fact payments made both balance and percent of credit usage lower as did my FICO score!!!!

Someone tried to open a credit card accounts using my social security # in March 2018 and October 2018 with Chase Bank. I didn’t find out about both attempts until getting a credit alert in Oct. 2018 after signings up summer 2018. Upon contacting Chase, they agreed these were fraudulent attempts as the individual was not able to pass the credit identity verification questionnaire to move forward with the credit application. Chase requested that the inquires be masked from my credit report by Experian but when I check in late Nov 2019, the inquires were still there. I contacted Chase again.

I am not a consumer that would automatically file a complaint or write a bad review unless I have really experienced a difficult time. I would like to recommend that Experian should modify or revise their automated phone prompts. I was simply making an attempt to inquire why a freeze was on my account. After going back and forth because to be sure I did not hit the wrong # for what I was inquiring about, I was only given 2 options. #1. If you have a security or fraudulent question press #1, Press #2 if you have a question about a freeze on your account. I hit #2 and what happened, the system automatically froze my account, it didn't give me any options to ask if I had a freeze, if I wanted to unfreeze my account or if there was a freeze, it automatically froze my account.

At a point in time I was at my low moment. I had a really low score and I could not get a loan to support my falling business. I was able to remove my inquiries as I got help. You can also boost your score. I reached Darkcracker at protonmail, dude is good.

I am not understanding how I can apply for credit at at a credit union in the act of talking to the credit union Rep/still on the phone, I'm looking at my credit score on Experian app which was higher than the credit scored the credit union was seeing which naturally allowed my interest rate on a loan to go up. The credit union told me they get different credit scores from Experian than I get as a consumer.

I have cancelled my credit report watch with this company last January in 2019. I called in and was told I need to log in to cancel I replied I did not even remember my log in and wanted to cancel. I was promised they would starting the next month since Jan was paid already. Now my accountant tells me they have been charging my credit card regularly although my credit card expiration date changed and all other companies need to call me for the new expiration date. They don't even know my new email address.

Experian's customer service is horrible. I tried calling many times, over and over again for a period of three weeks, the number they give for disputes to no avail. The call would just cut off. I would not recommend any of their services to anyone.

In and around Oct 2017 a scare had clouded the credit skies. The big three Experian, Equifax and TransUnion had volunteered a free or a one-time low-cost fee to permanently freeze your credit report issued by them. The only fees mentioned in my correspondence from Experian were to temporarily or permanently REMOVE the freeze. Never requested either and I felt the freeze was still in place. THEN in Dec 2019 a charge for $24.99 hit my credit card for "CREDIT REPO". I instantly went to Experian to question the charge but ran into a brick wall of "Chat Room Busy", "Oh no. Busy", and an address to write them [oh sure?!!]. I then contacted my credit card company by e/m and got an instant refund of the $24.99. To me this barely makes it under the Radar as a scam. I hope, I'm wrong and this was nothing more than a misunderstanding.

Post Christmas I tried to sort out my finances so I was informed by Experian that I had four eligible offers available to me based upon my credit report. However the company in question turned me down as I supposedly had a poor credit rating and should revert back to Experian. Contacted Experian who provided me with the same useless text that the company provided me with which gave me no constructive information that I can work from. So now I am concerned about my credit rating and Experian are refusing to help me in any way. Then to add insult to injury they sent me a personalised email with the same offers which I had just been refused. So after checking on Trustpilot I am not the only person that this happened to so my advice is be very careful if you dealing with Experian, they don't care about whose lives they are refusing and refuse to back up their claims with actual evidence.

Dropped my credit 60 points lower than Equifax and Transunion, no explanation! They want us to join their $29.00 club or watch out! I am taking them to court and they always lose! The amount of filed complaints is over one million. How are they still in business?!

I was using Experian for credit monitoring (monthly paid subscription) and until I had an issue with wrong info on the website the service was ok --but then I had to speak to membership about a problem with my account online, I probably made 40 to 50 calls and that is NO exaggeration. I kept being transferred around primarily because the reps did not understand my problem and when I got someone who did they could not help since they are not in membership and the membership department only has oversees call centers..It has been extremely frustrating to HAVE to talk to someone who didn't understand me since there are no us reps in membership. I had to go as far as filing a complaint with the CFPB which they still have not responded to.

As soon as I log onto the site, I am bombarded with a landmine of offers that have little nothing to my purpose for visiting the site - which is to check and monitor my credit score - especially so when I have received an unsolicited email warning me of some dooming alert. When I log on to the website to check, there is no sign of the impending doom but instead I am constantly being tricked into signing up for this or that. The very first page that comes up has a button to start "free" trial for Identity Theft Protection that is really $19.99 month. What is worse than this page coming up first is that it seems easy to accidentally click "start free trial" because it looks like just another page you have to go through just to check your "alert" and scores.

I have been doing business with this brand for at least eight (8) years. I am completely satisfied and feel they are a trustworthy company. They offer all items that I require and they are much better priced than most others. I will continue doing business with them as long as they maintain their integrity and great pricing.

I am signed up with experian.com, to get alerts about, my credit, and get Email notifications of changes.... Unfortunately, despite the fact that most of the time it is an increase/ good thing, sometimes it says my score decreased, as today, and so I go to the site, login, and check to see what happened, but almost NO INFORMATION is provided there as to what cause the decrease. So, I tried to call them, and ask, which by the way is like pulling teeth to get any answer that is not a prerecorded robot, but after FINALLY getting a human being, she was unable to provide me any help at all, and suggested I go out and hire a professional to work with me on my credit issues. This is unacceptable, as it was them that informed me of the change, but they do not even have any clue why there was a change at all.

This is the worst credit score company. It is a fraud company. Be aware. Do not sign up for it. I was first told to sign up for free and you can cancel anytime I used it for a day. After that I called them to cancel it. Next thing you know I have been charged £14.99. This is exactly how this scam company earns money. Lying to customers. ** bastards.

After months of using the Experian Boost program, in early August the Boost program stopped monitoring the four accounts that had been helping to increase my credit score (ie: My cell phone, electric bill, cable and internet). When I noticed the Boost program wasn't working as it had been before August, I called Experian on November 1st. The woman told me I could remove the four accounts and reinstall them. When I did, my credit score dropped by 36 points! Not only that, but there still has been no positive activity - in other words, since early August, Experian hasn't reported that I've paid those accounts on time. If Experian had, my credit score would have shown at least a small increase by now, however, MY SCORE IS STILL MINUS 36 POINTS! Oh, and good luck trying to actually speak to a live person about their Boost program! It took me over an hour and in the end the woman I did finally speak with couldn't help me!

Experian IdentityWorks offers you with a wide variety of features when it comes to identity theft protection. They offers you with credit monitoring, Dark Web Surveillance, identity theft surveillance and alerts, social security number monitoring, the 3 bureaus monitoring, changes of address, FICO scores, even with the sex offender registry, lots of benefits other companies doesn’t have. They brings you information from the 3 bureau’s plus unique benefits like the ability to lock and unlock your Experian credit file with their Experian CreditLock feature and information about your FICO Score, two very important things that the competition doesn’t offer, reason I’m their customer.

Temporarily and successfully removed credit freeze from Trans Union and Equifax for a short set amount of time. Tried to do the same with Experian and was unable to do this online and automated phone gave runaround. Tried again online and now they want me to mail 3 pieces of ID to them in Texas. Terrible service. This report from Robert of Staten Island, NY is exactly the same experience that I had. Dr. Stephen from Indianapolis

I use the Experian app on my phone to keep track of my score, and changes. In two weeks time I saw a 32 point drop. When I called the only customer service number that I could find that reached a live person, I was told repeatedly that they could not explain what would cause the drop. Experian uses data to create our credit scores based on their own algorithms... How are they unable to explain that kind of drop? Other apps and websites (ie, Credit Karma) gives you a list weekly showing you what factors caused any score change. The fact that they cannot or will not explain this kind of change is beyond the pale. This three digit number holds incredible power over the consumer. With no major changes in my personal credit profile, there is no reason for this, and no reason for their inability to tell me why...

Like so many others, I paid 1 buck to get a credit report and magically, I was signed up for their membership of 20 something a month. I had the money refunded as soon as I saw this and am currently on hold to speak to their supervisor about these sorts of scammy business practices. They should be ashamed of themselves. This will only destroy their business even if they make an extra few million here or there.

A complete waste of time and effort. They are connected to very few banks and credit card companies. If it sounds too good to be true it probably is. In this case this is the truth. And if you cannot use their "service" they still have all your personal information that you had to input before being declined. I'm sure a few people got boosts but only very few.

Had a sign in problem. No one answers the phone. Wait times are one hour or more. Totally disgusted. Still on hold. Have been trying for two days to contact them. I tried every number listed for Experian and it's the same message with same hold times. There is no email address listed to contact them. I just keep going in circles.