Experian CreditWorks Premium Reviews: Is It Worth the Money?

If you have been looking into credit monitoring or identity theft protection, you may be considering Experian CreditWorks. Is the basic package all you need, or should you pay for Experian CreditWorks Premium? Like most products, are mixed, but some reviewers see the product as a good investment. It all depends on what kind of support or information you are looking for and how much you are willing to pay.

Having a good credit score is essential for getting a loan or mortgage, can lower your interest rates, and can even help you get a job. Employers doing standard background checks often include your credit rating to determine your dependability. Mistakes on your credit report can be disastrous, costing you money, time, and stress. DoNotPay has several products that help you improve your credit score, dispute a negative report to a credit reporting company, or contact your creditors with a debt validation letter so that they need to prove the validity of the report.

Many credit monitoring companies offer access to changes in your credit score. Many banks and credit card companies offer these free of charge to their customers. It is always important to stay on top of changes to your credit report so that you are alerted when there are any errors in your credit report.

What Is Experian CreditWorks Premium?

Experian CreditWorks is a service provided by Experian credit reporting. They offer two tiers of credit monitoring:

CreditWorks Basic

This plan is free of charge and lets you know when you have new credit inquiries, changes in your balances or the amount of credit available, and if any accounts have been opened in your name. This allows you to see if someone else is using your personal information to procure credit in your name. This plan gives you access to another Experian product, Boost, which claims to be able to improve your score immediately. Free of charge, you will receive:

Monthly reporting of your Experian credit report and scores
Alerts to changes in your scores
Boost
A report initially that will advise you if your information has shown up on the dark web
You may also get various credit card and loan offers.

CreditWorks Premium

The cost for the program is $24.99 monthly.
You get daily access to your Experian credit report and monthly access to Equifax and TransUnion.
Identity theft protection includes dark web surveillance and a million dollars of identity theft insurance.
Help with fraud resolution.

Is CreditWorks Premium Worth It?

This is, of course, an individual decision. If you are trying to improve your credit score, there are many ways to do it. DoNotPay offers many solutions for removing collections from your credit report, disputing a report that a creditor has made, or removing reported items that may negatively affect your credit score, such as late payments or inquiries that can bring your score down. DoNotPay can help you fix your credit score easily and quickly.

CreditWorks Premium offers:

Monthly access to your credit reports for all three credit reporting companies. However, you can have access to the reports for free if you choose the basic plan.
Targeted offers to lower your rates and payments for competing loans and credit cards. However, keep in mind that they are receiving a fee if you opt for one of these offers, so they may not be the best options out there.
You have access to only one of your credit scores, FICO.
Many customers think that the pricy cost of nearly $300 per year is not worth it, making them raise their concerns to the company’s support page.

Can DoNotPay Help?

DoNotPay knows how hard you work and we know your time is valuable. That's why we created our new Clean Credit Report Product. If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

Search Clean Credit Report on DoNotPay.
Prepare a recent copy of your credit report that you can use as a reference.
If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and can't collect it!
Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.