Updated 2026-02-15 · 4 min read
Experian CreditWorks Premium costs $24.99/month ($299.88/year) for credit monitoring, identity theft protection, and FICO score access. The truth: your credit score is available for free from your credit card issuer, bank, or Credit Karma. You're paying $300/year for something you can get at $0.
Most people sign up for Experian CreditWorks during a free trial (often to check their credit before applying for a mortgage or loan) and then forget to cancel. At $24.99/month, it's one of the most expensive "free trial traps" in the subscription industry.
Alternatively, call 1-866-617-1894 to cancel by phone.
| Source | Cost | Score Type |
|---|---|---|
| Credit Karma | Free | VantageScore 3.0 (TransUnion + Equifax) |
| Experian (free account) | Free | FICO Score 8 (Experian) |
| Your bank/credit card | Free | FICO (varies by issuer) |
| Discover (even non-customers) | Free | FICO Score (TransUnion) |
| AnnualCreditReport.com | Free | Full reports (all 3 bureaus, weekly) |
| Service | Monthly |
|---|---|
| Experian CreditWorks Premium | $24.99 |
| LifeLock | $11.99-34.99 |
| Identity Guard | $8.99-29.99 |
| All three stacked | $46-90/mo ($552-1,080/yr) |
If you have multiple credit/identity monitoring services, you have massive overlap. Pick one or use free alternatives.
The single most effective identity theft protection is a credit freeze — and it's completely free by law. Freeze your credit at all 3 bureaus (Experian, Equifax, TransUnion) and temporarily unfreeze when you need to apply for credit. This prevents anyone from opening accounts in your name, which paid monitoring can only detect after the fact.
Cancel Experian CreditWorks Premium, check your free FICO score through Experian's free account or your bank, and freeze your credit at all 3 bureaus for free. Save $300/year with better protection than what you were paying for.
Experian, LifeLock, Identity Guard — upload your bank statement to find overlapping services.
Find All Subscriptions →Direct cancel link + step-by-step instructions
Want to find ALL your subscriptions at once?
Upload a bank statement and we'll detect every recurring charge in 30 seconds. Most people find 3-5 subscriptions they forgot about.
Scan My Statement — FreeNo account · No bank login · 960+ people have used JustCancel