Experian Reviews & Ratings

4.7/5

“Unexpected Charges After Free Trial”

I signed up for a free trial with Experian but was surprised to see a $29.99 charge on my credit card. I didn't recall agreeing to any paid service. When I called customer service, they refused to refund the charge, saying I must have signed up for a trial that converted to a paid plan. It felt deceptive.

Pros : Offers credit monitoring services.

Cons : Charged me after a supposed free trial without clear notice.

Switched from : TransUnion

Reason to switch : TransUnion has clearer billing practices.

4.5/5

“Hard to Cancel Subscription”

I tried to cancel my Experian subscription, but the process was complicated. I thought I had canceled, but I kept getting charged monthly. It took multiple calls to finally stop the charges. It shouldn't be this hard to cancel a service.?

Pros : Offers comprehensive credit monitoring.

Cons : Difficult to cancel the subscription; kept getting charged.?

Switched from : TransUnion

Reason to switch : TransUnion has a more straightforward cancellation process.

4.5/5

“Inaccurate Credit Information”

Experian reported a credit card account with missed payments that I never had. It took weeks to get it corrected, and during that time, my credit score suffered. It was stressful, especially since I was applying for a loan.?

Pros : Provides detailed credit reports.

Cons : Reported incorrect information on my credit report.?

Reason to switch : Equifax had more accurate information on my credit report.

4.5/5

“Credit Score Dropped Without Reason”

I noticed my Experian credit score dropped by 40 points, even though I hadn't missed any payments or opened new accounts. I couldn't find a reason for the drop, and customer service wasn't helpful. It's frustrating when your score changes without explanation.?

Pros : Regular credit score updates.

Cons : Score decreased despite no changes in my credit behavior.

Switched from : Cmercury

Reason to switch : Looking for more transparent credit score tracking.

4.5/5

“Delayed Dispute Resolution”

I submitted a dispute for an error on my credit report, but it took over a month to get resolved. During that time, my credit score was affected, and I had to delay applying for a loan. I wish the process was faster.?

Pros : Allows for online dispute submissions.

Cons : Takes a long time to resolve disputes.?

Reason to switch : Equifax was slower.

4.5/5

“Difficult to Reach Customer Service”

I needed help with a charge on my account, but contacting Experian was a nightmare. Their phone system kept me in loops, and I couldn't reach a live person. When I finally did, they weren't helpful. I expected better support for a company handling sensitive information.

Pros : Provides detailed credit reports.

Cons : Hard to contact a real person for support.?

Switched from : Equifax

Reason to switch : Equifax offers more accessible customer service.

4.3/5

“Boost Helped My Score Slightly”

I used Experian Boost and saw a small increase in my credit score. It was nice to see some improvement, but I was hoping for more. Also, not all my bills qualified, so the impact was limited.?

Pros : Boost feature added a few points to my credit score.

Cons : Limited types of bills qualify for Boost.?

Switched from : QuickEmailVerification

Reason to switch : Looking for a service that offers more comprehensive credit improvement tools.

4.3/5

“Confusing User Interface”

Experian's website has a lot of information, but it's overwhelming. I found it hard to find what I needed, and the layout was confusing. It took me a while to figure out how to dispute an error on my report.?

Pros : Provides a lot of information.

Cons : Website is hard to navigate and understand.

Switched from : CreditSesame

Reason to switch : Credit Sesame was not as good as CreditSesame

4.3/5

“Boost Feature Didn't Work as Expected”

I tried using Experian Boost to improve my credit score by adding utility bills. However, the system couldn't connect to my bank, so I couldn't add any bills. I kept trying for days, but it never worked. It was disappointing because I was excited about the feature.?

Pros : Concept of Boost is innovative.

Cons : Couldn't connect to my bank to add bills.

Switched from : Mint

Reason to switch : Mint offers better integration with my bank accounts.

4.2/5

“Boosted My Credit Score Quickly”

I used Experian Boost to add my utility bills to my credit report. I was hoping for a small increase, but my score went up by 21 points! It's great to see my on-time payments making a difference. However, not all bills are eligible, so I couldn't add my rent payments.?

Pros : Experian Boost increased my credit score by 21 points.

Cons : Only certain bills qualify for Boost.?

Switched from : Clearout

Reason to switch : I wanted a service that could directly impact my credit score.