Experian monthly fee.

[Anonymous]

Hi all. So probably almost a year ago, i paid the $1 or whatever it was to see my credit scores on experian. I continued and now have been paying $22 every month. My question is, what am I actually getting for that $22 a month that I dont get for free? My husband does NOT pay this and I can access the same things on his reports for free that I can on mine, yet im paying for this service. The ONLY thing I get that he doesnt is an email telling me if my score has increased/decreased or if my credit limit changed on a card. I can look at these same things on my husbands report for FREE. So what am I paying $22 a month for? Just email alerts? I Cannot see any of my other scores on there or anything, just an email alert. If that is the case, I will cancel this, as I can check that for free anyway. Thanks for any insight you can offer! :-) 

[thornback]

If you have the CreditWorks Premium product, then you're paying for daily EX score updates / report pulls and monthly score updates / report pulls for EQ & TU. It also includes their Credit Lock service.

The free version updates EX reports / scores only and on a monthly basis but provides daily monitoring and alerts to changes. There are no TU & EQ score / report updates. And no Credit Lock.

[Anonymous]

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@Anonymous wrote:

Hi all. So probably almost a year ago, i paid the $1 or whatever it was to see my credit scores on experian. I continued and now have been paying $22 every month. My question is, what am I actually getting for that $22 a month that I dont get for free? My husband does NOT pay this and I can access the same things on his reports for free that I can on mine, yet im paying for this service. The ONLY thing I get that he doesnt is an email telling me if my score has increased/decreased or if my credit limit changed on a card. I can look at these same things on my husbands report for FREE. So what am I paying $22 a month for? Just email alerts? I Cannot see any of my other scores on there or anything, just an email alert. If that is the case, I will cancel this, as I can check that for free anyway. Thanks for any insight you can offer! :-) 

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What the person above said. Currently it is possible to use the 7-ish day trial period over and over again. If you cancel your  membership and log back into your account via a computer, then it will prompt you to start a new trial membership for $1. This gives you everything that you are getting now, but for $1. At some point during the trial period you can cancel your membership, and when the trial period ends, you won’t be charged for the monthly service, but if you log in via a computer again you will be able to start the trial again, with another 3 bureau refresh. Recommend doing this for as long as it’s available 

[Anonymous]

Great information here.  Thank you!  I too, have the paid service for Experian... which I believe costs me $19.99/mo.  It gets me Experian with daily FICO score updates, along with TU, and EQ, with monthly FICO score updates.  I’m a new subscriber to MyFICO and am looking to eventually drop the paid Experian service since I now pretty much have the entire suite of credit monitoring tools needed with this MyFICO service.

[SouthJamaica]

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@Anonymous wrote:

Hi all. So probably almost a year ago, i paid the $1 or whatever it was to see my credit scores on experian. I continued and now have been paying $22 every month. My question is, what am I actually getting for that $22 a month that I dont get for free? My husband does NOT pay this and I can access the same things on his reports for free that I can on mine, yet im paying for this service. The ONLY thing I get that he doesnt is an email telling me if my score has increased/decreased or if my credit limit changed on a card. I can look at these same things on my husbands report for FREE. So what am I paying $22 a month for? Just email alerts? I Cannot see any of my other scores on there or anything, just an email alert. If that is the case, I will cancel this, as I can check that for free anyway. Thanks for any insight you can offer! :-) 

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In between Credit Works Premium (24.99 mo + tax) & Credit Works Basic (free), there's another product -- Credit Works -- which costs 9.99 mo + tax. For some reason they don't advertise it. That's the one I use. It gives you daily updates of your EX report & seven EX FICO scores.

[TheFIGuy]

Got a promotion offer last year for 15% off (Lifetime) if I signed up for yearly. So that's $17.70/month just a DP for you!

[Anonymous]

I was also on the trial for a $1, I think its a great tool to use but I would not pay for anything after the experience I had with Credit Works.

On June the 5th  I called in to check on membership that I had, rep at that time stated I had a full month trial of $1, when asked about the membership stating that it would end on the 16th, the rep stated at that no charges would be applied to my credit card and I would have a free month trial.

On 06/17/2019 I was charged $24.99 and was told by the rep that I was put on a premium membership on June the 5th, seems the shady rep that was explaining my membership failed to tell me about the upgrade. Got a full refund, but I wont do business again with Experian. Makes me wonder if this  rep was shady to me and they have access to financial information, what else are they doing?