IdentityWorks vs free Experian vs competitors
Experian IdentityWorks Plus ($24.99/month) adds 3-bureau monitoring, dark web scanning, identity theft insurance, and social security number monitoring. The free plan covers Experian FICO score and single-bureau monitoring. For most consumers, free Experian plus Credit Karma (for TransUnion and Equifax monitoring - free) covers all three bureaus at no cost.
Identity monitoring alternatives
- Aura AFFILIATE - More features than IdentityWorks including VPN and antivirus bundled at comparable pricing.
- Empower AFFILIATE - Free financial dashboard including basic monitoring. Best free option for overall financial health.
- Credit Karma - Free TransUnion and Equifax monitoring, covering the two bureaus Experian doesn't provide free.
Frequently asked questions
- Does canceling IdentityWorks delete my Experian credit history?
- No. Your Experian account and credit history remain. Only premium monitoring features are removed.
- Does Experian give refunds when you cancel?
- No prorated refunds. Call 1-877-284-7942 for billing disputes.
- Can I get a free credit report without IdentityWorks?
- Yes. AnnualCreditReport.com provides one free report per bureau per year. Free Experian also shows your score at no cost.