Scam.
I get alerts about once a month from them...it rarely needs any attention. Don’t use the email link, but go directly to experian.com to log in if you have an account. You can then review what it has to say.
Services like that are constantly sending updates on your credit file, rating, new credit offers, etc. Don’t respond to the email if you’re unsure of it; just log into your account and view your messages/updates.
I’ve got like three of those companies like that that seen me crap like that all the time. Real pains in the ass. They are supposed to be the guys who do those fictitious “credit reports” and now they want me to hire them to make my financial business. What a crock.
Don’t use any link in the email. Hit the real website (probably listed on the back of your card) and look. Might not be a scam. But never trust the emails.
Maybe you should contact Experian.
I would look up their website on line though.
It could be a scam of someone PRETENDING to be Experian.
FYI, my credit has been frozen for several years because I was part of the Experian hack of SS #s.
I froze my credit so that no one(not even me) can take out any credit in my name.
It was easy. However, I did actually have to do it in writing with one of the four credit agencies.
They sent me back a letter with a code number that is now in my safe. I have to give them that number to unlock my credit in the future.
I had paid off my mortgage. Have no car loans and already have a Mastercard, AMX, Lowes, Home Depot. I do not need any more credit cards.
Hover over the “From”, it will probably be a long random set of letters/numbers, that’s the “tell” that it’s a scam.
Send it to spam
Lots of times, various financial firms will include Experian or other credit services as part of their product. These credit services will send messages such as this so you be impressed by the value provided the the financial firms.
Of course, there are those trying to improve their marginal credit ratings who find these messages useful. Personally, I just ignore them.
I get updates from Experian and Exquifax quite frequently. Nothing to worry about. I wouldn’t respond to anything from the email, but you can always check you accounts at both independent of the email. Typically it’s just to report your credit rating has increased or that your score has improved.
Experian is a ridiculous company. I froze my credit check with them (which is a good thing). But now I get emails from them daily. Credit card offers, loan offers, etc.
This flood of emails makes it difficult to tell what is legit, and what is a scam. So now I just delete everything associated with them. Which might be a bad thing.
It might be a scam.
But also, they like to have you log in to review stuff. They do this because during that process you will be “presented” with new products or services.
I use one credit card. This past month I put several thousand dollars through the system because my wife had surgery and I paid the “out of pocket” max’s through the hospital portal using that card.
For three days I was much deeper into my “available credit” than normal. Then it got paid off. I got a few notices about “unusual activity” from credit reporting agencies.
I guess it’s nice that they are keeping track. But if you stay on top of your stuff—and you are the only one using the account—then there is not a real reason to rush to log in and view your account.
Maybe ten years back I got rid of all my credit cards and store cards.
I went with a prepaid debit card from my bank.
I don’t think it can be used at ATM’s because I never assigned a pin number to it.
All my purchases are immediately posted to my bank account online.
I fund the card with internal transfers.
I don’t think there are rewards or cash backs but I love the simplicity.
One card easily tracked.
Never that much on the card that it would cause much pain if lost or stolen.
Not sure if it enhances my “credit score” but I don’t really care.
I get those emails every day since I created an experian account. They are all ads for their premium credit monitoring service.
If they provided a link…..DO NOT USE IT. By opening a new tab a sign in that way. That will avoid you giving a scammer your user info.
Block and ignore. If you really care about the credit score use the links through the credit card company.
I get that stuff all the time in my email. Its bogus.
I understand the hotlinks they provide takes you to a site marketing medical alert devices.
I get the same Experian crap. I ignore it.
They want you to log on so they can push Push PUSH!! upgrading your Experian experience to one of their more expen$ive offerings.
Not exactly a scam, just a high-pressure sales technique. IMHO.
Another case of making a business by creating a problem and then offering a solution. The credit reporting agencies created the “credit score”. Then they offer to help you keep track of their nonsense for a fee.