Experian’s identity theft protection services are offered through an annual or monthly subscription to its IdentityWorks plans. There are two different plans: IdentityWorks Plus and IdentityWorks Premium. The two plans are very similar and offer standard identity theft protection options (credit reports, Social Security number monitoring, identity theft insurance) and include a few bonus features like direct access to your FICO scores.
The fact that these plans are offered directly through Experian means you can lock and unlock your credit easily. You also get more direct access to your credit scores than you would through other companies. That means you’ll have a much easier time resolving issues related to your credit report. But even with these benefits, one call won’t solve all your problems if your identity gets stolen. You’ll still need to call your bank and follow all the other recommended steps.
The IdentityWorks Premium plan will keep an eye on all sorts of places where you wouldn’t want your name showing up. It will monitor payday loans, court records, sex offender registries, social networks, and file-sharing networks to name a few.
There’s not much of a difference between the two plans—when looking at both side by side, the Plus plan seems like a watered-down version of the Premium plan. You can choose a plan for a single adult, a single parent and children, or two parents and children. You just pay $5 more a month each time you add an adult. A customizable plan based on how much coverage you want would be ideal, but that isn’t an option with Experian (or most other identity theft protection services).