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Experian Credit Report credit score and monitoring review January 2022

Get access to your credit report and the gold standard of scoring: Your FICO Score.

By now, you likely know that your credit report differs from the three-digit score creditors and lenders attach to them. The lending industry uses many different scores to determine the risk of taking you on as a borrower.


Starting price$19.99
Credit scoresTransUnion, Equifax, Experian
Credit monitoringYes
Trial period7 days
Update frequencyMonthly, Annually

What is Experian Credit Report?

Experian Credit Report is among the three major credit reporting agencies in the US, monitoring the financial histories of some 220 million Americans.

In addition to providing free annual credit reports, Experian Credit Report offers tools that help people and businesses protect their financial data to minimize identity theft and credit fraud.

How can I check my credit score with Experian Credit Report?

Experian Credit Report offers three services — Experian Credit Report CreditWorks Premium, Experian Credit Report and FICO Score and 3-Bureau Credit Report and FICO Scores — to monitor your credit score including what in your credit history helps your score and what might need improvement.

All of its services use the FICO Score 8 model to determine the score it reports, which is the one most widely used by lenders and creditors.

What is FICO Score 8?

Among the many proprietary FICO Scores, FICO Score 8 more strongly considers your credit utilization while also weighing less heavily the sporadic late payment or small-dollar collections accounts on your record. It also excludes shared accounts from reflecting on your overall credit history.

Experian Credit Report claims the model it uses to determine your FICO Score 8 results in a score that better predicts your future financial behaviors.

Compare each Experian Credit Report service

Experian Credit Report serviceBenefitsCost
Experian Credit Report CreditWorks Premium
  • Monitor your FICO Score across three bureaus.
  • Control access to your credit report with CreditLock.
  • Track your score through an interactive dashboard.
  • Get monthly access to your Equifax, Experian Credit Report and TransUnion credit reports.
Free 7-day trial then just $24.99/month
Experian Credit Report and FICO Score
  • View your Experian Credit Report and see who has been looking at it.
  • Get your FICO Score and the positive and negative factors that are impacting it.
  • Dispute inaccuracies online for free.
One-time $$19.99 fee
3-Bureau Credit Report and FICO Scores
  • Compare your FICO Score across bureaus.
  • See how your credit report affects your score.
  • Get live help with queries and disputes.
One-time $39.99 fee

What other services does Experian Credit Report offer?

Like the other major credit reporting bureaus, Experian Credit Report aims to provide you control over your financial information, offering services that include:

  • Free access to your credit report. Request a monthly look at your credit report to analyze open accounts, your payment history and credit limits.
  • IdentityWorks. Thwart ID theft through 24/7 monitoring and alerts anytime there’s a change to your three credit reports.
  • Free support and education. Get help with credit disputes, learn how to control your personal info on the web and find tools to stay on top of personal finance.

Pros and cons

Experian Credit Report can help you save time by allowing access to your credit history through all three reporting bureaus. But you’ll want to weigh whether the convenience is worth the cost.


  • Flexible options. Sign up for ongoing access to your FICO Score and reports, or take a one-time look before applying for a loan.
  • Reports FICO Score. Unlike other bureaus, Experian Credit Report reports the score most widely used by the lending community.
  • Easy-to-use dashboard. Conveniently compare your financial information across the three bureaus, learning what’s affecting your score.


  • Not your cheapest option. While you might find services valuable, an annual subscription with CreditWorks will run you about $280.
  • You must cancel by phone. You can sign up for services online, but you’ll need to speak with an Experian Credit Report rep to cancel ongoing charges.

Compare Experian Credit Report with other credit score services

Name Product Starting price Trial period Credit scores Credit monitoring Credit reports Update frequency
TransUnion Credit Report
TransUnion, Equifax, Experian
TransUnion, Equifax, Experian
TransUnion credit score, monitoring and identity theft insurance.
TransUnion, Equifax, Experian
TransUnion, Equifax, Experian
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report.
Equifax Small Business Credit Reporting
TransUnion, Equifax, Experian
TransUnion, Equifax, Experian
Monitor your key business relationships to protect your company from losses.
7 days
$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.
Credit Karma
TransUnion, Equifax
TransUnion, Equifax

Compare up to 4 providers

Name Product Monthly Fee BBB Rating Customer Support Cancel Anytime
Self Credit Builder Account
Phone, Email, Online Chat
Save money and build credit with a secured-installment loan that you can access after 12 or 24 months.
Phone, Email, Mail
Specializes in clearing your credit report of inaccurate items with all three credit bureaus.
Lexington Law Credit Repair
Phone, Email
Law firm that offers three tiers of credit repair suited to your situation.
Credit Firm Professional Credit Repair
Credit Firm Professional Credit Repair
Phone, Email, Mail
Professional credit repair service that can help you create a step by step action plan. Cancel anytime.
The Credit People
Phone, Email, Mail
Professionals work with you to clean up your credit and raise your credit scores. Cancel anytime.
Sky Blue Credit
Phone, Email, Mail
Free credit report and monitoring that comes with a 90-day money-back guarantee.

Compare up to 4 providers

How do I sign up?

To sign up for Experian Credit Report‘s credit score and monitoring services, go to its site and click Reports & Scores.

From there, you’ll be able to decide which service you’re interested in — monthly or annually. Next, you’ll enter such information as:

  1. Your full name and contact information, including your phone number and email address.
  2. Your Social Security number and date of birth.
  3. Your payment information.

For subscriptions, you’ll create a user name and password for future access. You also need to answer additional security questions to verify your identity.

Is Experian Credit Report legit?

Yes. Experian Credit Report is an established credit reporting agency that’s among the top three used by lenders when determining whether to take you on as a borrower.

To avoid signing up for services you’re not interested in, read the fine print on each page before confirming your information. Make sure you understand the charges you face — including what you’ll pay after any introductory months.

Customer service

Help is available by phone or online to help you resolve questions with your credit report, membership, disputes and more:

  • Phone. Reps are available at 479-343-6239 weekdays from 6 a.m. to 8 p.m. PT and weekends from 8 a.m. to 5 p.m. PT. For disputes, call 888-397-3742.
  • Online. Start your query from Experian Credit Report‘s Contact Us page with your name and contact information.
  • Help database. Find answers to common questions through the Ask Experian Credit Report Team tool.

Bottom line

Experian Credit Report appears to offer more comprehensive reporting and monitoring tools than competitors. And it gives you access to your credit score, providing a more accurate idea of the score potential creditors will see when you apply for credit.

But you’ll pay nearly $20 or $40 for one-time access and up to $280 for an annual subscription.

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