How to Cancel Experian Premium / CreditWorks in 2026
Updated March 3, 2026 • 4 min read
💡 Experian Boost Is FREE — Don't Cancel It
Experian Boost (which adds utility/streaming payments to your credit report) is completely free. It's Experian CreditWorks Premium ($24.99/month) that costs money. These are separate products. Cancel CreditWorks, keep Boost.
Experian Paid Products
- CreditWorks Premium: $24.99/month — FICO score, credit monitoring, dark web surveillance
- IdentityWorks: $9.99-19.99/month — identity theft protection
- Experian Boost: FREE — adds positive payment history to your report
- Experian CreditLock: FREE (or included in CreditWorks) — lock/unlock your report
How to Cancel CreditWorks Premium
- Go to experian.com
- Click My Account
- Go to Membership
- Click Cancel Membership
- Navigate through retention offers (they'll try to keep you)
- Confirm cancellation
Or call 1-888-397-3742.
Free Alternatives (You Don't Need to Pay)
- Credit Karma: Free TransUnion + Equifax scores, credit monitoring, alerts
- Experian Free Account: Free Experian FICO score (yes, Experian itself offers this for free)
- AnnualCreditReport.com: Free credit reports from all 3 bureaus weekly
- Your bank/card: Most banks now provide free FICO scores (Chase, Discover, Capital One, etc.)
- Credit freeze: Free at all three bureaus — the best protection against identity theft
⚡ Between These Free Tools, You Get Everything CreditWorks Offers
Credit Karma + Experian free account + AnnualCreditReport.com = scores from all 3 bureaus, credit monitoring, alerts, and full reports. That's $0/month instead of $24.99/month. The only thing missing is dark web monitoring, which HaveIBeenPwned.com provides for free.
Also Cancel These (If You Have Them)
- TransUnion Credit Monitoring: $24.95/month — call 1-800-916-8800
- Equifax Complete: $19.95/month — my.equifax.com → Memberships → Cancel
- LifeLock: $12-35/month — cancel at lifelock.com
Many people are paying for credit monitoring from multiple bureaus simultaneously — that's $50-75/month for something Credit Karma does for free.
How many credit services are charging you?
Upload your bank statement to JustCancel — we'll find Experian, TransUnion, Equifax, LifeLock, and every other subscription.