Experian
Experian IdentityWorks
Credit monitoring, identity theft alerts, and up to $1M in ID theft insurance.
Best for
Anyone who wants proactive protection against identity theft and credit fraud — especially those who have experienced it before.
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Our Verdict
Identity theft affects millions of Americans every year, and older adults are disproportionately targeted. Experian IdentityWorks monitors all three credit bureaus and the dark web, and backs it up with up to $1M in identity theft insurance if something does slip through.
What We Like
- Monitors all 3 credit bureaus
- Dark web surveillance included
- Up to $1M identity theft insurance
- Social Security number monitoring
- Lost wallet assistance
Watch Out For
- Monthly subscription required
- Alerts can be frequent for active credit users
Three-Bureau Monitoring
There are three major credit bureaus: Experian, Equifax, and TransUnion. Fraudsters can open accounts that only appear on one bureau. Monitoring all three means you'll catch fraud regardless of which bureau the fraudster uses.
Dark Web Surveillance
When data breaches occur, stolen information (Social Security numbers, credit card numbers, passwords) is often sold on the dark web. Experian scans these markets for your personal information and alerts you if it appears, so you can take action before the information is used.
The Insurance
The up to $1M identity theft insurance covers expenses related to restoring your identity — legal fees, lost wages, and out-of-pocket costs. It doesn't cover direct financial losses from fraud (that's covered by your bank or credit card company), but it covers the significant time and expense of cleaning up after identity theft.
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