How Much Is Experian Premium?

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Experian Premium runs at $19.99 per month if you pay month‑to‑month, but the service drops to $14.99 per month when you lock in a 12‑month subscription (the total annual charge is $179.99, which breaks down to $14.99 each month); occasional promos may let you start at $9.99 for the first month, and a separate family plan is priced at $24.99 per month, all detailed on the Experian Premium pricing page.

If you pay month‑to‑month, Experian Premium costs $19.99 each month, which totals $239.88 over a full year (Experian Premium pricing).

If you choose annual billing, the service charges a flat $199 for the year, a $40.88 saving that reduces the effective monthly cost to $16.58, roughly a 17 % discount.

Experian Premium delivers credit monitoring, identity‑theft protection, and score tools for the monthly cost you pay.

• Daily Experian credit‑report updates plus real‑time alerts for new hard inquiries, address changes, or suspicious activity.
• Identity theft suite that scans the dark web, flags compromised personal data, and funds a full‑service fraud resolution team.
• Access to both Experian FICO Score 8 and VantageScore 3.0, plus a monthly credit‑score simulator to test 'what‑if' scenarios.
• Personalized credit‑improvement insights, budgeting tools, and educational resources to help you raise your score.
• 24/7 phone and chat support, plus a price‑lock guarantee when you choose annual billing (covered in the next section on hidden fees).

Experian Premium can surprise you with extra charges that aren't part of the base monthly cost.

• One‑time processing fee (usually $5‑$10) applied to the first payment
• Optional Identity Theft Protection add‑on, billed $9.99 per month if you enable it
• Paper‑statement surcharge of $2 per month for users who request mailed reports
• Early‑termination fee of $15 if you cancel before a 12‑month commitment
• State sales tax on digital services, ranging from 4% to 9% depending on your location
• Third‑party verification fee for credit‑score alerts, typically $1.99 per alert

These fees can push your bill above the headline price, so watch the itemized statement carefully. In the next section we'll show how to locate promotions and free trials that can offset or eliminate many of these extra costs.

You can grab a free trial or discount for Experian Premium by checking the official site, reputable coupon hubs, and any existing Experian communications.

1. Visit the Experian Premium landing page (experian.com/premium) and look for a banner that says 'Start your 30‑day free trial.'
2. Sign up using a new email address; the trial automatically converts to a paid plan after 30 days unless you cancel.
3. Scan trusted coupon aggregators such as RetailMeNot Experian coupons for current promo codes that shave $5 - $10 off the monthly cost.
4. Open recent emails from Experian or the 'Offers' tab in your Experian account; they often include a 'First month free' link for existing users.
5. Check partner offers from banks, credit‑card issuers, or credit‑monitoring apps - these sometimes bundle a complimentary month of Experian Premium when you open a new account.
6. If you prefer annual billing, apply any found promo code at checkout; the discounted rate drops the yearly price from $239.88 to $199.99, effectively lowering the monthly cost.

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• Start month‑to‑month on day 1: $19.99 each month.
  
• Choose annual billing (199.99 once) → $16.66 per month on average.
  
• Begin with the 30‑day free trial, then continue month‑to‑month: $19.99 after trial.
  
• After a few months of $19.99, switch to the annual plan to lock in $16.66 per month.
  
• Cancel and later reactivate: you pay the current $19.99 monthly rate (no legacy discounts).
  

Experian Premium pricing details

Experian Premium pays off when the monthly cost saves you more than it costs - specifically if you (1) routinely check your credit for loan or mortgage applications, (2) have experienced identity‑theft or know someone who has, and (3) rely on real‑time alerts to block fraudulent activity before damage occurs.

In those cases the $24‑$35 per month (or $276‑$360 with annual billing) can prevent thousands of dollars in loss and months of credit‑repair work, making the subscription a net positive.

If you rarely open new accounts, have a clean credit history, and can monitor free credit scores elsewhere, the subscription's value drops sharply; this is where the next section on cheaper alternatives becomes relevant.

Cheaper alternatives you should consider first include Experian's free basic monitoring, the complimentary Experian Boost add‑on, the yearly free credit report, and the low‑cost option from affordable credit monitoring at thecreditpeople.com.

• Experian Basic (free): credit score, monthly alerts on major changes, no subscription fee.
• Experian Boost (free): adds utility and telecom payments to your FICO® Score without extra cost.
• Annual credit report (free): one full report per bureau each year via AnnualCreditReport.com.
• TheCreditPeople.com (starts around $14.95 / month): full‑suite monitoring, identity‑theft alerts, and up to $1 M coverage, markedly cheaper than Experian Premium's monthly cost.

Cancel Experian Premium directly through your account and request a refund within the 30‑day guarantee window.

1. Sign in at Experian.com and click My Account.
2. Select Subscriptions, then choose Cancel Experian Premium.
3. Follow the prompts to confirm cancellation; you'll receive an email receipt.
4. Immediately open a new support ticket or call the Experian support page Experian support page and reference your order number, asking for a full refund (available only if you cancel within 30 days of purchase).
5. If you paid annually, verify that the cancellation is processed before the next renewal date to avoid another charge.
6. Save the refund confirmation email; the credit usually appears on your statement within 5‑10 business days.

Family, business, and identity‑theft pricing quirks are the optional add‑on fees Experian Premium tacks onto its base monthly cost. The base plan runs $19.99 per month (or $199 per year with annual billing). Adding a family member costs an extra $5 each month, a small business bundle raises the monthly price to $39.99, and adding identity‑theft protection adds $10 per month. These extras are optional, not hidden, and they appear only when you select the corresponding add‑on during sign‑up.

For example, a couple who both want credit monitoring pays $19.99 + $5 = $24.99 each month, totaling $49.98. A freelance graphic designer who needs business‑grade alerts pays $39.99, and if they also want identity‑theft protection the bill becomes $49.99. A family of four with one primary account and three dependents pays $19.99 + (3 × $5) = $34.99 per month. Adding identity‑theft protection for the primary user bumps that to $44.99, while the dependents remain at $5 each. These scenarios illustrate how each extra service directly changes the monthly cost before any discounts from annual billing.