How to Cancel Experian Premium & CreditWorks in 2026

Last updated: February 2026 • Difficulty: Easy • Cost: $9.99–$24.99/mo

Cancel Online

1. Go to experian.com and log in
2. Click your name → Account Settings
3. Find Membership or Subscription
4. Click Cancel Membership
5. Experian will show retention offers — decline to proceed
6. Confirm cancellation

Cancel by Phone

Call 1-866-617-1894 (Experian member services). Be prepared for retention attempts — they may offer a discounted rate or free months. Simply say "I'd like to cancel" and confirm.

Experian Products Explained

• Experian Boost (FREE): Adds utility, phone, and streaming payments to your Experian credit report. Keep this — it only helps your score.
• CreditWorks Basic (FREE): Free Experian credit score, limited report access
• CreditWorks Premium ($24.99/mo): FICO scores from all 3 bureaus, daily monitoring, dark web surveillance, identity theft insurance
• IdentityWorks ($9.99-19.99/mo): Identity theft protection and credit monitoring

Free Alternatives That Do the Same Thing

• Credit Karma (Free) — free TransUnion and Equifax scores, credit monitoring, alerts
• Experian CreditWorks Basic (Free) — free Experian FICO score after canceling Premium
• AnnualCreditReport.com (Free) — free weekly credit reports from all 3 bureaus (government-mandated)
• Your bank/credit card — most major banks show free FICO scores in their app
• Credit Sesame (Free) — free TransUnion score and monitoring

Between Credit Karma, your bank's free score, and AnnualCreditReport.com, you can monitor all 3 credit bureaus for free. The $24.99/mo Experian Premium is paying for convenience and insurance you may not need.

What You Lose After Canceling

• 3-bureau FICO score access (keep free single-bureau scores elsewhere)
• Dark web surveillance (consider if this matters to you)
• $1M identity theft insurance
• Daily credit report updates (free version updates monthly)
• Experian Boost remains active and free