Credit monitoring

Checking your Credit Reports regularly is one of the best ways to engage with your credit information. Experian CreditWorksSM checks your Experian®, TransUnion®, and Equifax® Credit Reports each day, and notifies you when key changes are detected. See your bigger credit picture with Credit Reports, FICO® Scores1 and monitoring from all 3 credit bureaus.

Try Experian CreditWorksSM for $4.99 /first month*

Start monitoring your credit

*Introductory price of $4.99 for your first month of access, then just $24.99 each additional month. Cancel anytime if not satisfied.

1Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.

Product features:

3-bureau credit monitoring

Monitor your Experian, TransUnion, and Equifax Credit Reports with alert notifications when key changes occur.

Monitoring your Credit Reports from all 3 credit bureaus gives you greater insight to help you make more informed financial decisions. It can also help you detect suspicious activity that may appear on your Credit Reports.

Quarterly 3-bureau updates

Get updated Credit Reports and FICO Scores from all 3 credit bureaus every 90 days.

The information in each of your Credit Reports from the 3 credit bureaus may be different. Compare your credit information across all 3-bureaus with updated FICO Scores and Credit Reports every 90 days.

Stay up-to-date every day

Get a new Experian Credit Report and FICO Score 8 every day on sign in, with updated factors impacting your credit.

Your Experian dashboard gives you access to the features that matter most. This includes an easy-to-read credit overview that shows the specific factors impacting your FICO Score 8 based on Experian data.

Experian CreditLock

Control who can access your Experian Credit Report with the touch of a button.

Easily lock your Credit Report, helping to protect you against identity theft and unwanted credit activity. If someone attempts to apply for credit in your name while your Credit Report is locked, you will be notified with a real time alert.

$1 Million Identity Theft Insurance2

Get some extra security with up to $1 million in insurance and a $0 deductible.

If you become a victim, dealing with identity theft can be overwhelming. Have more peace of mind knowing you can be covered for costs like fraudulent electronic fund transfers, lost wages, legal fees and travel expenses.

Get help when you need it

Get personalized support from our dedicated team of Credit and Fraud Resolution Agents.

We’re here to answer your questions and help you gain insight into the factors that may be impacting your credit. When fraud or identity issues are identified, a Fraud Resolution Agent is assigned to work with you closely to resolve them.

2Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

Credit monitoring resources

Credit Information is Updated Continuously

Information in your Credit Report is frequently being added, updated or deleted. Account information is typically updated every month, where each account may be updated on different days.

Unrecognized Inquiries and Fraud

An inquiry from an unrecognized business could be an indicator of credit fraud. The first thing to do is identify the type of inquiry.

What to Do if You Lose Your Social Security Card

It’s a good idea to always keep a close eye on your Credit Report, and especially so if you may be a fraud victim. Doing so will ensure you discover signs of fraud and can take additional steps if necessary.

Credit monitoring FAQs

How can credit monitoring and fraud resolution help me?

Credit monitoring continuously monitors your Credit Report, freeing you from checking your Credit Report frequently and saves you time and effort if fraud or identity theft issues arise. Our Fraud Resolution Agents can help you get back on track with your credit, so that you do not have to navigate resolution on your own.

When can credit monitoring become important?

For a major purchase such as a home, the general recommendation is to check your credit report and credit score at least 6 months in advance. Credit monitoring can help provide peace of mind as you get closer to realizing your financial goals and help identify any issues that could arise.

Can I access my credit information from the past?

Once you start your Experian CreditWorksSM membership, your Credit Report and Credit Score will be archived so you have access to prior credit information. For both practical and legal reasons, Experian cannot provide credit information for a specific date in the past outside of its credit monitoring service.

Is it easy to cancel Experian CreditWorksSM credit monitoring?

There are no lengthy contracts with Experian CreditWorksSM. You can keep your membership on a month-to-month basis and cancel at anytime. You can cancel online within your account directly or call customer care, available toll-free 7 days a week.

Start monitoring your credit today

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$4.99 /first month*