Experian (experian.com) has a 4.1 out of 5 rating on OK.one, based on 218 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 75% of reviews are 4 stars or higher and 14% are 1 star; The business has replied to 82% of negative reviews. Last updated 2026-08-10.
It would be a five but I’m so confused on how my accounts become disconnected from your service. You are my credit/ identity protection service. This happens a lot.
Hi Robert. We apologize for the difficulties you experienced while attempting to use Boost ™. If you would like further assistance or additional information, please let us know. We’d be happy to help you further. Thank you. -Lori
Ease of lifting the lock on my credit file and putting lock back on
Hi Richard. Thank you for taking the time to leave us a review. We're so glad to hear that you found the process of locking and unlocking your credit to be easy. Our top priority is your satisfaction. -Lori
I'm finally doing something about my credit and I have experion to thank for ir. Thank you for your help
Hi Dawan. We're so glad to hear that you're taking steps to improve your credit and that we could be a part of your journey! Thank you for sharing your positive experience with us. -Lori
I only gave this 4 stars because I don't believe there is anything that is perfect. I am however pleased with this service. I still get a lot of offers from Experian for which I have no use and it clutters up my e-mail. I am just being honest.
Hi Michael. We truly appreciate you taking the time to share your feedback. We're happy to hear you're pleased with our service. We understand your concern about unwanted offers cluttering your email and we're always working to improve our processes. Thanks. -Lori
Ease, confident and effective credit management. Had helped build good credit and improved my security.
Hi James. Thank you for your feedback! We are so pleased to hear that our services have helped you build good credit and improve your financial security. We appreciate your time. -Lori
its nice to get this info but then, after you subscribe, really nothing changes for 3 months and you aren't getting much value. Plus, i had a mortgage application and the scores they pulled differed from what i see in the app . If you aren't getting the true scores what good is it?
Hi Kenneth. We appreciate you taking the time to share your feedback. We understand your frustration with the credit score calculation. It's important to remember that credit scoring models are complex and can sometimes be difficult to understand. There are several helpful articles in our Help Center on the Experian® website for further education about credit reports, scores, and bureaus. I hope you found this information useful. Thanks. - Lori
User friendly and satisfies all my credit monitoring needs.I love that I can lock my credit and get timely updates on my financial picture.
Hi TB. Thank you for your feedback. We're so glad to hear that you find our service user-friendly and that it satisfies all your credit monitoring needs, especially the credit lock feature and timely updates. thanks. -Lori
If you have a free Experian account you HAVE to deal with the AI chat. I had to sign up for a paid subscription to talk to a person. The AI chat could not help me and I needed yo talk with a person to correct my account before I unfrozen my credit.
Hi Steven. We're truly sorry to hear about the difficulties you experienced with our AI chat and the need to subscribe to speak with a person. We understand your frustration when trying to resolve an account issue, especially concerning your credit. We appreciate your feedback and will use it to improve our services. -Lori
Waste of my money. I don’t recommend Experian CreditLock. I ended up paying $26.99 because my subscription renewed without any reminder to cancel, and I don’t feel like it was worth the money. The only feature I found useful was the ability to lock my credit report, but that actually became more of a hassle since it prevented my bank from checking my credit when needed. Unless you have a specific reason to keep your credit locked, I don’t see much value in paying for this service. On top of that, one of the most frustrating parts of using Chime is the Experian credit score tracker. Linking accounts is unreliable, and the tracker often doesn’t work as expected, making it feel more like a gimmick than a useful financial tool. Overall, I wouldn’t pay for Experian CreditLock again. There are better ways to monitor your credit without spending money on a service that offers so little value.
Hi Izaiah. Thank you for sharing your feedback. We're sorry to hear that your experience with our service did not meet your expectations, especially regarding the subscription renewal and the value you found in the features. We understand your frustration with the credit lock feature interfering with your bank's checks and the issues you've encountered with the credit score tracker. Your insights are valuable as we continuously work to improve our offerings. Thanks. -Lori
With help and understanding how the app. Works its great
Hey Dustin. We're so glad to hear that you find the app great once you understand how it works! We appreciate your positive feedback. -Lori
Tried for days, many hours, to sign in to my account. Changed pw, called Customer Service, spoke w chat, bought a Premier membership. Could not log in. Ever! Finally, 2 day later, logged into the app and cannot find the place to freeze my credit. The other 2 credit agencies are easy and I don't see them being hacked. No way to get a person at customer service. Reporting them to the State Insurance Dept.
Hi Joan. We sincerely apologize for the extreme difficulty you experienced trying to access your account and manage your credit. We understand how frustrating it must have been to spend so much time and effort without success, especially after purchasing a Premier membership. We are concerned to hear about your inability to freeze your credit and the lack of accessible customer service. Your feedback is important, and we will share it with the appropriate teams to improve our services. Thanks. -Lori
It is so easy to lock your credit report and I feel safe when I do that. I don't have to worry about someone going into my credit report without my permission.
Hi Dee. Thank you for your feedback. We're happy to hear that locking your credit report provides you with a sense of security and peace of mind. -Lori
To tell the truth I really don’t use the app, I only watch my score at this point. I guess I just don’t understand it?
Hey Leaanne. We appreciate your feedback and understand that you primarily use the app for score tracking. We are always working to make our features clearer and more intuitive for everyone. Thanks. -Lori
I appreciate getting updates if something changes. With all the fraud going on, it makes me feel more secure.
Hi Millie. We're so glad to hear that our updates make you feel more secure, especially with the current concerns about fraud. Thank you for your positive feedback! -Lori
I have improved my credit score thru this app
Hi Gloria. We're so happy to hear that our app has helped you improve your credit score! Thank you for sharing your positive experience with us. -Lori
Credit Karma says my 2-Burreau scores are over 100 points higher than Experian says they are. Help?
Hi Melanie. We appreciate you taking the time to share your feedback. We understand your frustration with the credit score calculation. It's important to remember that credit scoring models are complex and can sometimes be difficult to understand. There are several helpful articles in our Help Center on the Experian® website for further education about credit reports, scores, and bureaus. I hope you found this information useful. Thanks. -Lori
Hi Cawanna. We understand your concern about the charges. When you log into your membership (through a laptop/computer), in the right-hand corner you'll see an icon depicting a person. Hover over it and click on 'Your Account'. You'll then see a tab labeled 'Membership Details'. Once you select the tab, scroll down to the bottom of the screen and the option will be there to 'Manage Membership Plan'. You can choose to downgrade to the basic membership which will take you out of any paid enrollment you may have and put you into the free membership. -Katherine
Accuracy of the reports, constant credit card offers plus your updates
Hi Fernando. We're happy to hear that our reports and updates are meeting your expectations. Thank you for your positive feedback! -Lori
Reliable. Secure.
Hello Deanna! Thank you for your feedback. It’s excellent to hear that you like our app. We appreciate your time and have a good day! -Karen
Easy to navigate - provided me with a peace of mind after my husbands wallet was lost on vacation
Hi Betty. We're so glad to hear that our service was easy to navigate and provided you with peace of mind during a stressful situation. Thank you for sharing your experience. -Lori
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