How to Cancel Experian CreditWorks in 2026 (You Don't Need to Pay for This)

Experian CreditWorks Premium costs $24.99/month ($299.88/year) for credit monitoring that you can get for free elsewhere. Here's how to cancel and where to get the same thing without paying.

How to Cancel Experian CreditWorks (Step by Step)

1. Go to usa.experian.com/member/subscriptionCancel (direct cancellation link)
2. Log in to your Experian account
3. You'll see a page showing what you'll "lose" — daily 3-bureau monitoring, FICO scores, etc.
4. Experian will offer you a discounted rate — decline it
5. Confirm your cancellation

Alternative: Call 1-866-617-1894 if the online cancellation flow gives you trouble.

What Experian's Retention Flow Looks Like

Experian uses two classic dark patterns when you try to cancel:

• Loss aversion screen: A page showing everything you'll "lose" — designed to scare you into staying. Remember: most of these features are available for free
• Retention discount: They'll offer a reduced price (often $14.99/month or similar). Don't take it — you can still get everything for free
• Confusing upgrade flow: Sometimes the cancellation link redirects to an upgrade page. Navigate carefully or just call

Why You Don't Need to Pay $24.99/Month

Here's what Experian CreditWorks Premium gives you — and where to get it for free:

• Daily Experian credit monitoring → Free with Experian's basic account (yes, the same company offers this free)
• FICO Score → Free from Discover Credit Scorecard (no Discover card needed), most bank apps, or Credit Karma (VantageScore)
• 3-bureau monitoring → Credit Karma monitors TransUnion + Equifax for free. Combined with free Experian monitoring, you have all 3 bureaus covered at $0
• Dark web monitoring → Free with Experian basic account, or use haveibeenpwned.com
• Identity theft insurance → Your bank or credit card likely includes this already. Check before paying extra

What Happens After You Cancel

• Your paid features stop at the end of your billing period
• Your free Experian account remains active — you keep your Experian credit score, basic monitoring, and dark web alerts
• Credit disputes you've filed remain active — cancelling doesn't affect them
• Any credit locks or freezes you've set up remain in place

The Credit Bureau Business Model (Why They Charge You)

Here's the uncomfortable truth: Experian, Equifax, and TransUnion collect your data without your permission, sell it to lenders, and then charge you to monitor the data they collected about you. It's like a locksmith who copies your house key and then sells you a security system.

The good news: competition from Credit Karma and free credit score offerings from banks means you no longer need to pay the bureaus directly for access to your own information. The $24.99/month CreditWorks Premium product exists because people think they need it, not because they actually do.

Compare: Paid Credit Monitoring Services

• Experian CreditWorks: $24.99/month — 3-bureau daily monitoring, FICO
• myFICO: $29.95-39.95/month — most comprehensive FICO scores (28 versions)
• IdentityForce: $17.99/month — identity theft focused, includes insurance
• Credit Karma: FREE — 2-bureau monitoring, VantageScore, financial recommendations
• Your bank: FREE — most banks now include credit scores and monitoring

Unless you're actively shopping for a mortgage and need to track all 28 FICO score variants (in which case, myFICO is better anyway), the free options cover everything you need.