How to Cancel Experian (CreditWorks) (2026)
Quick answer
Cancel Experian's paid membership online (Account Settings → Subscription → Cancel, or downgrade to the free 'Basic' plan) or by calling 1-866-617-1894. Experian is prepaid: you won't get a refund for the current month, but you keep premium features until the cycle ends, then revert to the free Basic tier.
Ways to cancel Experian (CreditWorks) at a glance
| Method | Available? | Notes |
|---|---|---|
| Online (downgrade to free Basic) | ✓ Yes | 3 steps |
| By phone | ✓ Yes | 1 step |
| Subscribed via the app | ✓ Yes | 1 step |
How to cancel Experian (CreditWorks), step by step
Online (downgrade to free Basic)
- 1Sign in at experian.comOpen Account Settings → Subscription.
- 2Cancel or change planSelect 'Cancel Membership', or choose 'Update Membership' → Experian CreditWorks Basic (free) to stop the paid charge.
- 3Confirm the downgradeConfirm to end recurring billing. You keep premium features until the cycle ends.
By phone
- 1Call 1-866-617-1894Say 'Cancel Membership' clearly to the automated system. Be ready for retention offers — just repeat 'I'd like to cancel'.
Subscribed via the app
- 1Cancel in your phone's store settingsIf you signed up through the Experian app, cancel in your Apple/Google subscription settings — Experian can't cancel that for you.
⏰ Deadline
Cancel before your renewal date. Billing is prepaid, so cancelling stops future charges; you keep access until the current cycle ends.
💵 Fees
No cancellation fee.
↩️ Refunds
Experian generally does not refund the current month. After cancelling, your account reverts to the free Basic tier at the end of the cycle.
Experian (CreditWorks) cancellation — FAQ
Can I cancel Experian online?
Yes — cancel or downgrade to the free 'Basic' plan in Account Settings → Subscription. You can also call 1-866-617-1894.
Will I get a refund from Experian?
Experian operates on a prepaid basis and typically does not refund the current month. You keep premium features until the cycle ends.
Do I lose my credit report access after cancelling?
You revert to the free Experian Basic tier, which still offers a free credit report and FICO score, but premium monitoring features end.
Sources
This guide is independently written and not affiliated with Experian (CreditWorks). Cancellation terms can change at any time — always confirm the current policy on the official website before cancelling.