http://thebestcompanys.com/credit-monitoring/company/experian/ As one of the main three credit bureaus, Experian is dedicated to delivering fast and accurate credit monitoring information to help their customers understand and improve their credit score and financial situation. Experian offers a number of features to help customers take control of their credit, such as daily monitoring, access to monthly reports, and error dispute.

1. Experian
Credit
Monitoring

2.
Experian
is
a
global
credit
monitoring
service
which
is
one
of
the
three
largest
credit
bureaus
in
the
United
States.
The
company
employs
over
17,000
people
internaConally
and
owns
several
companies,
including
FreeCreditReport.com
and
FreeCreditScore.com.
They
provide
credit
monitoring
services
both
for
a
monthly
subscripCon
as
well
as
an
opCon
to
view
a
person’s
credit
reports
and
FICO®
scores
for
a
one-­‐Cme
fee.
Experian
offers
idenCty
protecCon
as
a
monthly
subscripCon.

3.
Ø
Experian
Credit
Tracker
Ø
3-­‐Bureau
Credit
Report
and
FICO®
Scores
Ø
IdenCty
TheO
ProtecCon

4.
Ø
Experian
Credit
Tracker
-­‐
$21.95/month
Ø
3-­‐Bureau
Credit
Report
and
FICO®
Scores
-­‐
$39.95
(one
Cme
fee)
Ø
IdenCty
TheO
ProtecCon
-­‐
$15.95/month

5.
v
Anyone
may
try
the
Experian
Credit
Tracker
for
$1
for
a
period
of
7
days.
v
A
valid
credit
or
debit
card
is
required
to
take
advantage
of
the
free
offer.
v
In
order
to
avoid
being
billed
for
a
full
month
of
Experian
Credit
Tracker,
new
users
must
cancel
within
the
7-­‐Day
trial.
v
Customer
service
representaCves
advise
cancelling
at
the
5th
day
or
sooner,
but
that
all
features
remain
acCve
for
the
duraCon
7-­‐Day
Trial.
However,
the
site
itself
states
that
It
can
take
up
to
48
hours
for
all
features
to
become
acCve,
so
the
actual
length
of
the
trial
is
slightly
shorter.
Taken
from
Experian’s
site:
The
credit
monitoring
benefit
may
only
be
available
for
5
days
during
your
trial
period
since
enrollment
can
take
up
to
48
hours.
You
may
cancel
your
trial
membership
any
>me
during
your
first
7
days
without
charge.

6.
Subscribers
to
Experian
Credit
Tracker
receive:
ü
Unlimited
online
access
to
their
personal
Experian
credit
report
and
FICO®
score
ü Daily
monitoring
of
their
Experian
credit
report
ü
Alerts
when
key
changes
are
made
to
their
Experian
credit
report
ü
$50,000
Experian
Credit
Tracker
Guarantee
and
access
to
a
Fraud
ResoluCon
Specialist
in
the
event
of
idenCty
theO
ü
Monthly
statement
with
FICO®
score,
account
acCvity,
alert
history
and
summary
of
key
financial
informaCon
typically
used
by
lenders
to
determine
credit
worthiness

7.
Those
purchasing
the
3-­‐Bureau
Report
and
Scores
receive:
ü
One-­‐Cme
comprehensive
credit
reports
and
FICO®
scores
from
all
three
major
credit
bureaus
in
the
United
States
–
Experian,
Equifax
and
TransUnion
ü
There
are
no
refunds
for
this
product
and
for
any
further
reports
or
scores,
another
package
must
be
purchased
from
Experian.
ü
This
package
does
not
include
any
credit
or
idenCty
monitoring.

8.
v
Unlimited
access
to
one’s
Experian
Credit
Report
v
Daily
monitoring
of
Experian,
Equifax
and
TransUnion
credit
reports
v
Subscribers
receive
email
alerts
about
changes
on
their
credit
reports
v
Daily
internet
scanning
for
improper
use
of
SSN,
debit
and
credit
cards
v
Lost
wallet
protecCon
v
NaConal
Change
of
address
monitoring
v
14-­‐Day
money
back
guarantee
v
Dedicated
Fraud
ResoluCon
Professional
v
$1
Million
in
idenCty
theO
insurance

9.
Experian
states
that
subscribers
to
Credit
Tracker
can
expect
monthly
report
and
score
refreshes,
but
several
reports
exist
anecdotally
which
state
that
this
is
not
always
the
case.

10.
Subscribers
to
Experian’s
Credit
Tracker
and
IdenCty
TheO
protecCon
receive
email
alerts
when
there
is
a
key
change
in
their
credit
report
or
potenCal
idenCty
fraud
is
detected.

12.
Experian’s
Credit
Tracker
is
a
basic
credit
monitoring
soluCon
from
a
company
with
a
solid
reputaCon
and
many
years
in
the
business
of
credit
management.
Experian
offers
their
customers
the
opCon
of
receiving
their
FICO®
score,
which
is
unlike
many
of
their
compeCtors.
Since
the
FICO®
score
is
the
one
which
is
most
commonly
used
by
lenders
to
evaluate
a
persons
credit
worthiness,
knowing
this
score
is
helpful
for
many
people
who
are
surprised
to
learn
that
they
receive
a
score
“for
educaConal
purposes
only”
from
other
credit
monitoring
services.
Experian
Credit
Tracker
gives
customers
assistance
when
dispuCng
inaccurate
informaCon
on
their
credit
report,
which
is
not
the
case
with
many
of
their
compeCtors.

14.
The
7-­‐Day
trial
period
is
extremely
misleading
in
that
during
this
7
days,
it
may
actually
take
48
hours
for
credit
monitoring
to
begin.
In
essence,
when
one
signs
up
for
a
7-­‐Day
trial,
they
expect
the
full
7
days
to
be
covered
with
all
features
acCve
during
this
Cme.
Experian’s
customer
service
representaCves
are
quick
to
say
that
this
is
the
case,
but
unwilling
or
unable
to
offer
a
guarantee
that
new
members
would
receive
a
full
7-­‐day
trial
with
all
features
available,
staCng
that
“We
have
disclosed
this
informaCon
fully
on
our
website.”
While
this
informaCon
is
indeed
available,
it
is
not
proximately
published.
There
are
several
issues
similar
to
this
as
far
as
the
transparency
and
ease
of
gathering
informaCon
to
make
an
educated
decision
about
Experian
Credit
Tracker.

16. The
lack
of
transparency
and
difficulty
finding
informaCon
about
the
product
are
both
reasons
to
shy
away
from
Experian
Credit
Tracker.
Learning
about
the
products
is
difficult,
but
not
impossible.
The
shortened
trial
period
is
a
puzzle,
in
that
the
company
should
either
adverCse
a
5-­‐day
trial
or
give
their
customers
an
addiConal
2
days
to
compensate
for
their
system.
AddiConally,
Experian’s
Credit
Tracker
is
more
expensive
than
the
compeCCon
and
offers
less
as
far
as
actual
reports
go,
so
one
is
over-­‐paying
for
the
service.
These
factors
combine
to
suggest
that
one
is
bejer
going
elsewhere
for
their
credit
monitoring
needs
than
Experian.