Yearly Savings for 1 Adult and up to 10 Children Yearly Price for 1 Adult and up to 10 Children Monthly Price for 1 Adult and up to 10 Children Real-time Alerts on Attempted Credit Inquiriesįrequency of FICO Scores from 3 Credit Bureausįrequency of FICO Scores based on Experian DataĪdditional FICO scores (auto, home and bank card) Identity Theft Insurance Maximum Reimbursement Scores over 800 or higher are considered exceptional.Īnd that’s everything that Identity Watch gave us, but how much did it set us back in the bank? Experian Subscription Breakdown But don’t worry if your score isn’t at this level, you can improve it over time, which is why it’s important to monitor it regularly. A good score is 670 or above, the higher the better. Made by the Fair Isaac Corporation, over 90% of the most commonly used lenders use FICO scores when making loan decisions. A three-digit number, it can affect the size, length, and interest rates of your loans. FICO scores, which included our homes, bank cards, and cars.įICO is a type of credit score used most frequently by lenders for over 25 years, 3 if you didn’t already know.Large changes to our financial accounts’ balances.We got credit reports and scores from all three bureaus, Equifax and TransUnion in addition to Experian, on the IdentityWorks Premium plan. Experian Credit Reportsīeing a credit bureau, of course, Experian also gave us some good information about our FICO and credit scores. Although we clearly could do this ourselves, it sounds nice to have a helping hand in what we assume would be a super-stressful time. If we ever end up losing our wallets, the restoration specialists would have helped us cancel the cards, replace them, what have you. We also got what Experian calls “lost wallet assistance,” meaning that all of the information in our wallets, like our driver’s license numbers, credit and debit card information, and insurance ID numbers were stored in a secure portal. File-sharing and social networks: Experian made sure we weren’t being abused on both social media as well as file-sharing networks. Sex offender registries: Although Experian alerted us when a sex offender moved into our neighborhood, they didn’t actually check to make sure our name wasn’t on it, which was a bit disappointing.Court records: Experian scans the court system to see if any crimes were reported in our names.Experian can detect these attempts so that we’re the only people using our names to apply for non-credit loans. Payday and non-credit loans: Trying to get cash on the quick using our names? Not so fast.Financial accounts: If anyone tries to open new bank accounts or control our actual bank account using our data, we’d be alerted.Address changes: As unlikely as this is, if someone did a “change of address” USPS form using our information, Experian would give us the heads up.Social Security number: We only get one of these in our lifetimes, so it’s important that Experian lets us know if any other addresses or aliases are paired with our Social Security numbers.Experian scanned the dark web for us to ensure that we were safe. Dark web: The dark web, which might be 500 times larger than the normal web, 2 is an area of the Internet where all of the users are anonymized, so it’s often where stolen credentials can be found.We’d also have a fraud resolution specialist to help us pick up the pieces.īut ideally, Experian would actually prevent our identities from being stolen. But even if our identities were stolen, that identity theft insurance would kick in, with either a $500,000 or million-dollar maximum reimbursement depending on the subscription we chose. Rather, they alerted us when they found our credentials where they’re not supposed to be or when they detected warning signs, like someone taking $5,000 at once from our checking account. Right off the bat, we have to say that Experian, like any other identity monitoring service, can’t fully protect your identity from being stolen. What Does Experian Give You? Plus How Much It CostsĪfter we signed up for our free trial, we spent a bit of time on the Experian website figuring out exactly what was included in our trial.
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