Experian Identity Theft Review
This Experian identity theft review shows you how they stack up to other companies.
It has become more critical than ever to protect your identity.
Large-scale data breaches are more frequent as our data becomes more vulnerable to cutting edge malware. While the Internet offers us many conveniences, frauds now have ample opportunity to hack and misuse our personal information.
Maintaining proper security for your identity is challenging.
It is hard to find the time to monitor all the different accounts to provide even cursory protection, which is why many people are turning to identity theft protection services to guard against this growing threat.
Experian Identity Theft sets itself apart from its competitors by offering unique features at a low cost. They give you access to a host of credit monitoring and identity theft protection services.
The extensive identity monitoring services provide the user with comprehensive fraud protection. If fraud results in damage, Experian offers internal resolution assistance to place the user back in the position they were before.
A bonus is that they are one of the three credit bureaus and is ideally placed to provide up to date information regarding your credit score also.
Why Is It Essential to Protect Your Identity?
Identity theft is becoming increasingly frequent and sophisticated.
ID theft is when your personal information is stolen to commit a crime or some fraud. Sometimes, identity theft goes undetected until the loss has already been suffered.
Identity theft poses risks to both your finances and reputation. Once someone has their identity stolen, they can spend years trying to restore their integrity, which can cause the victim’s frustration and emotional distress.
The value of Experian Identity Theft is the peace of mind that it gives users. People are justifiably nervous in this environment where threats lurk around every corner. Your identity is a precious commodity that is worth protecting.
It is also vital to protect your family against theft. Children are also at an increased risk of having their ID stolen. Some evidence suggests that children are at a higher risk than adults because they offer a “blank slate” to frauds.
As fewer people monitor this kind of identity theft, it can go undetected for years.
Experian offers child identity protection, which includes monitoring the dark web, social security number, and social network monitoring for misuse of the child’s identity. They also protect your family with Sex Offender Alerts for your neighborhood.
How Does Experian Identity Theft Protect You?
Experian creates a line of defense against any type of identity theft by monitoring and alerting you to the misuse of your personal information.
They scan webpages to detect if your information has been stolen, which allows for the early detection of misuse of your data.
Their monitoring guards against many types of id theft. They cast a wide net across websites and data points like chat rooms.
They offer control of court records and bookings in the event your name is falsely used in the court system. You can know if your address has been changed with the U.S. Postal Service without your consent.
They also monitor your credit and alert you of any changes that might have taken place recently. They detect changes across all three credit bureaus.
In addition to credit monitoring and alerts, they offer identity theft insurance coverage to recoup any losses that result from fraud.
What Are the Available Plans from Experian Identity Theft?
There are two plans available to users to suit what level of security is suitable for the user. The programs are called IdentityWorks Plus and IdentityWorks Premium.
Both plans include:
- Dark web surveillance
- Up to $500,000 identity theft insurance
- US Based fraud resolution specialist
- Identity theft monitoring and alerts
- Lost wallet assistance
- Experian CreditLock
- Credit monitoring
- Credit alerts
- Daily Credit Score reporting
Experian Identity Theft Premium, however, offers more comprehensive identity theft and credit monitoring services.
This plan provides additional protection in the form of:
- Up to $1,000,000 in Identity theft insurance
- Credit monitoring of Experian, Equifax, and TransUnion
- 3-Bureau FICO scores quarterly
Plans are catered to both individuals and families. The pricing for the Premium plan starts at $9.99 per month for one adult.
One adult and up to 10 children are $14.99 per month. Two adults and up to 10 children are $19.99 per month. IdentityWorks Premium is only $10.00 per month more and offers value-added features.
Why Is Dark Web Surveillance Important?
One reason your information may have been stolen is to sell it on the dark web.
The dark web is a marketplace where people buy stolen credit card numbers, social security numbers, and other personal details to use for fraudulent purposes.
Sales often happen repeatedly, meaning multiple parties can fraudulently use your details as long as the information is valid.
Their dark web surveillance lets you enter a multitude of information. It can monitor the dark web for your social security number, email address, passport number, bank account numbers, phone numbers, card details, and driver’s license.
Their technology scans hundreds of thousands of pages daily. Early alerts can minimize the damage to your finances and reputation. Alerts are sent to your email, and they let you know what steps you should take next.
Why Use Experian Identity Theft as Opposed to Its Competitors?
A unique feature of Experian is their CreditLock, which means you can lock your credit file to stop unauthorized credit activity and get real-time alerts if anyone tries to apply for credit in your name while it is closed.
On top of that, unlike many of their competitors, they offer internal U.S. Based Fraud Resolution Specialists, which means that users have an advocate at the company working for them to help resolve any issues.
Experian scans over 600,000 pages per day using proprietary technology to detect stolen personal information, which is a much higher number than their competitors. These pages include dark web pages, file-sharing sources, and black market forums.
We hope this Experian Identity Theft review has given you all the information you need to make a smart and educated decision.
Benefits & Features
- Monitors credit reports
- Gives you monthly credit scores
- Monitors financial transactions
- Change of address monitoring
- Monitors social security activity
- Offers identity theft insurance
- Checks court record activity
