Credit monitoring

Checking your Credit Reports regularly is one of the best ways to engage with your credit information. Experian CreditWorksSM checks your Experian® Credit Report each day, and notifies you when key changes are detected. It can also help you detect suspicious activity that may appear on your Experian Credit Report.

Try Experian CreditWorksSM for $4.95 /first month*

Start monitoring your credit

*Introductory price of $4.95 for your first month of access, then just $19.95 each additional month. Cancel anytime if not satisfied.

Product features:

Powerful credit monitoring

Monitor your Experian Credit Report and FICO Score1 with alert notifications when key changes occur.

Credit monitoring alerts can help you make smarter financial decisions. Score alerts let you know when your FICO Score goes up, down or reaches a personal goal which you can customize. You'll also receive credit alerts when key changes occur within your Experian Credit Report.

Stay up-to-date every day

Get a new Experian Credit Report and FICO Score every day on sign in, with updated factors impacting your credit.

Your dashboard gives you easy access to the features that matter most. This includes an easy-to-read credit overview and quick access to your up-to-date Experian Credit Report and FICO Score. Understand the specific factors impacting your FICO Score and see key financial information that lenders use to rate you.

Track your FICO Score over time

Get FICO Score tracking with alert notifications when there are increases or decreases, or when your risk level changes.

Benefit from an array of Credit Score resources that help give you insight into your FICO Score. The interactive FICO Score tracker lets you view your FICO Score over time and receive customized alerts when it changes. You’ll also see specific Score Factors that show what’s positively or negatively impacting your FICO Score.

Get help when you need it

Get personalized support from our dedicated team of Credit and Fraud Resolution Agents.

Our Credit Agents are here to answer your questions and help you gain insight into the factors that may be impacting your credit. When fraud or identity issues are identified, a Fraud Resolution Agent is assigned to work with you closely to resolve them.

1Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.

Credit monitoring resources

Credit Information is Updated Continuously

Information in your Credit Report is frequently being added, updated or deleted. Account information is typically updated every month, where each account may be updated on different days.

Unrecognized Inquiries and Fraud

An inquiry from an unrecognized business could be an indicator of credit fraud. The first thing to do is identify the type of inquiry.

What to Do if You Lose Your Social Security Card

It’s a good idea to always keep a close eye on your Credit Report, and especially so if you may be a fraud victim. Doing so will ensure you discover signs of fraud and can take additional steps if necessary.

Credit monitoring FAQs

How can credit monitoring and fraud resolution help me?

Credit monitoring continuously monitors your Credit Report, freeing you from checking your Credit Report frequently and saves you time and effort if fraud or identity theft issues arise. Our Fraud Resolution Agents can help you get back on track with your credit, so that you do not have to navigate resolution on your own.

When can credit monitoring become important?

For a major purchase such as a home, the general recommendation is to check your credit report and credit score at least 6 months in advance. Credit monitoring can help provide peace of mind as you get closer to realizing your financial goals and help identify any issues that could arise.

Can I access my credit information from the past?

Once you start your Experian CreditWorksSM membership, your Credit Report and Credit Score will be archived so you have access to prior credit information. For both practical and legal reasons, Experian cannot provide credit information for a specific date in the past outside of its credit monitoring service.

Is it easy to cancel Experian CreditWorksSM credit monitoring?

There are no lengthy contracts with Experian CreditWorksSM. You can keep your membership on a month-to-month basis and cancel at anytime. You can cancel online within your account directly or call customer care, available toll-free 7 days a week.

Start monitoring your credit today

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$4.95 /first month*