Experian review

Experian's membership is the best place to start if credit is your main worry. The free plan shows your Experian credit report and FICO Score and includes Experian Boost, with no credit card required, though dark web checking is only a one-time scan. Core, at $4.99 per month, adds Experian CreditLock with real-time alerts, fraud resolution specialists, lost wallet help, dark web surveillance and up to $100K of identity theft insurance. Plus at $14.99 raises insurance to $500K and adds money tools such as bill negotiation and cash advances. Premium at $24.99 is the full protection tier: Equifax and TransUnion reports and FICO Scores, up to $1M of insurance, regular privacy scans with automatic removal, Social Security tracing and financial account monitoring. Yearly billing saves up to 17%. The weakness for households is that the pricing page shows no family plan, and full 3-bureau coverage costs more than Aura's Individual plan.

Who it is for

People who mainly care about credit and want to start free, then add identity protection.

Price

Free plan; Core $4.99 per month; Plus $14.99 per month; Premium $24.99 per month.

Core $4.99 per month Sign up for Core
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Free Experian credit report and FICO Score
• Experian CreditLock with real-time alerts on Core and above
• Dark web surveillance on paid plans
• Identity theft insurance up to $100K on Core, $500K on Plus and $1M on Premium
• Equifax and TransUnion reports and FICO Scores on Premium

Strengths and weaknesses

• Strength: Permanent free plan with no credit card required
• Strength: Core is the cheapest monitoring plan on this list
• Strength: Fraud resolution specialists on every paid plan
• Weakness: 3-bureau reports only on the $24.99 Premium plan
• Weakness: Core insurance tops out at $100K
• Weakness: Plans lean toward credit and money tools rather than household identity cover

Key facts

• Free plan: Yes, Experian report and FICO Score
• Cheapest paid plan: Core, $4.99 per month
• Insurance: Up to $1M on Premium
• Yearly billing: Saves up to 17%

Where it ranks

Experian is No. 5 in our Best Identity Theft Protection Services verdict.