Introduction
Experian is a global credit reporting agency offering digital services like Experian IdentityWorks, credit monitoring, and identity theft protection. While these tools provide valuable insights into your credit health and FICO score, not everyone needs to stay subscribed, especially after a free trial or financial reassessment. Whether you’re trying to cancel your Experian membership without paying, avoid recurring charges, or switch to an alternative, this comprehensive guide will walk you through the process step-by-step.
Subscription Overview
Experian offers multiple tiers of subscription services across the U.S., U.K., and Canada. Here’s a breakdown:
| Plan | Monthly Price | Features |
|---|---|---|
| CreditWorks Basic | $0 | Free credit report (Experian only), daily FICO Score, basic credit monitoring, fraud alerts |
| IdentityWorks Plus | $9.99 | 1-bureau monitoring, identity theft protection, dark web scan, and alerts |
| IdentityWorks Premium | $24.99 | 3-bureau credit monitoring (Experian, Equifax, TransUnion), $1M theft insurance, credit lock |
| IdentityWorks Family | $34.99 | Premium coverage for 2 adults + up to 10 children |
View Experian Plans Officially
Step-by-Step: How to Cancel Experian Membership
You can cancel Experian membership online, by mobile app, email, phone, or live chat. Here’s how:
1. Cancel via Desktop (Experian Website)
Visit experian.com and click Login (top-right).
Log in to your Experian account.
Click your profile initials (top-right), then choose My Profile.
Go to the Membership tab.
Scroll down to “Do you want to change your Experian CreditWorks Premium membership?”
Click the blue link.
Select CreditWorks Basic ($0/month) → click Select.
Confirm downgrade.
This is the best method if you’re looking for how to cancel Experian membership online.
2. Cancel via the Mobile App
- Open the Experian app.
- Sign in to your Experian account.
- Tap your profile icon → go to Membership.
- Tap Change Membership, select CreditWorks Basic, and confirm.
This is how to cancel Experian membership on app easily.
3. Cancel via Email
You can also cancel by emailing Experian:
- Email: support@experian.com
- Subject: Request to Cancel Membership
- Include: Full name, account email, billing details, and reason for cancellation
- Request written confirmation and a refund if applicable
- Wait 24–48 hours for a response
- For urgent issues, call +1-917-764-9932
4. Cancel via Live Chat
Prefer Live Chat over phone or email?
- Log into experian.com
- Go to Help Center or Contact Us
- Choose the Live Chat option
- Ask to cancel and provide the necessary account info
- Request a transcript for confirmation
If chat is unavailable, call +1-917-764-9932
5. Cancel via Phone
For direct human support:
- Experian customer service: +1-917-764-9932 or 1-866-617-1894
- Hours: Mon–Fri 8 AM–8 PM CT, Sat–Sun until 5 PM
- Ask to cancel your Experian subscription or downgrade to CreditWorks Basic
Billing, Refund & Policy Info
Can You Get a Refund from Experian?
Yes, refunds are possible under specific conditions:
Refunds May Be Granted If:
- You cancel immediately after a charge.
- You were billed after a free trial unintentionally.
- There was a billing error or technical issue.
- You did not use the service after the billing.
To request a refund from Experian, contact them at +1-917-764-9932 and explain your situation clearly. Supporting evidence (screenshots, billing statements) can help.
Other Important Billing Details:
- Free trials must be canceled within 7 days.
- Memberships auto-renew monthly unless manually canceled.
- No cancellation fees, but no prorated refunds either.
- Downgrading to CreditWorks Basic stops future billing.
What Happens After You Cancel?
- Your account switches to CreditWorks Basic ($0/month).
- You lose premium features (3-bureau monitoring, credit lock, identity theft protection).
- Auto-renew is turned off, so no future charges.
- You keep access to your Experian account and annual credit report tools.
- You can upgrade again anytime without re-registering.
Alternatives to Experian Membership
Looking for something free or cheaper after cancellation?
| Service | Monthly Price | Features | Link |
|---|---|---|---|
| Credit Karma | Free | 2-bureau credit monitoring, tools, and alerts | creditkarma.com |
| Equifax Complete | $19.95–$29.95 | 3-bureau reports, ID protection, and alerts | equifax.com |
| TransUnion TrueIdentity | Free / $24.95 | Credit score updates, alerts, identity protection | transunion.com |
| PrivacyGuard | $9.99–$19.99 | Credit scores, monitoring, ID protection | privacyguard.com |
FAQs
How do I cancel my Experian membership online?
Log in at experian.com, go to My Profile > Membership, and select CreditWorks Basic to stop billing.
How do I stop payments on Experian?
Cancel via your account settings, email, or by calling +1-917-764-9932 before your renewal date.
Can you permanently delete an Experian account?
Accounts can be deactivated, but full deletion requires contacting support. Note: Experian may retain credit data under federal laws.
How do I cancel my Experian CreditExpert subscription?
For UK users, log in to your CreditExpert portal and choose Manage Subscription → Cancel.
Will I get a refund if I cancel?
Possibly. See the refund section above. Refunds are discretionary and based on timing and usage.
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Conclusion
Canceling your Experian IdentityWorks plan is easy if you know where to look. Whether you’re trying to stop payments, avoid surprise renewals, or switch to a free credit monitoring alternative like Credit Karma, following the steps above will help you stay in control. Don’t forget to request a refund if you’re eligible, and be sure to verify that your downgrade to CreditWorks Basic was successful.
Need help with other services? Check out our full cancellation library on besdot.com for more guides.