Personal subscriptions · Money apps

How to cancel Experian CreditWorks

Sign in to Experian's membership settings and switch the paid monthly membership to the free one, or call 1-866-617-1894. Web trials cancel free within 7 days. Bought in the iPhone app? Cancel in Apple subscriptions. Experian's help pages don't say when paid access ends or give refund rules.

By Stackcut · Partly confirmed (see what's unverified) on 2026-09-29, then re-checked independently · JSON · Open data, CC BY 4.0

Open Experian CreditWorks's cancel page

The short answer

  • Where: Open Experian's Sign in to update now link and sign in (usa.experian.com).
  • Billed by someone else? Cancel with them instead: Apple.
  • Want to keep it for less? Free plan and more. Options

Before you cancel

What happens to your data

Your Experian account continues as a free membership.

What you lose

  • Paid-plan features such as advanced alerting and up to $1 million identity theft insurance

Cancel, by who bills you

Pick the route for whoever charges you: the name on your card statement or receipt tells you.

Billed by Experian CreditWorks

Online, self-serve Paid monthly Experian memberships billed by Experian (the pages we read name them Experian IdentityWorks Premium and Plus). Who can cancel: The member, signed in to Experian.

  1. Open Experian's Sign in to update now link and sign inYou should see: your membership settings
  2. Select the free membership as the type of membership you want to change to
Notice
Trial memberships can be cancelled within 7 days without charge; after that monthly billing starts ($24.99 a month for IdentityWorks Premium)
Open the page
Source: experian.com experian.com

Billed by Apple (App Store)

In the billing platform's settings Experian CreditWorks memberships bought in the Experian iPhone or iPad app (charged to your Apple account). Who can cancel: The Apple Account that bought the membership. Everything Apple bills, in one place.

  1. On your iPhone or iPad, open Settings and tap your nameYou should see: Subscriptions
  2. Tap Subscriptions, then ExperianYou should see: Cancel Subscription
  3. Tap Cancel Subscription
Confirm it worked
In Subscriptions there is no Cancel button, or an expiration message in red text
Notice
For a free trial, cancel at least 24 hours before the trial ends
Open the page
Source: apps.apple.com support.apple.com

Keep it for less

Before cancelling, check whether one of these does the job. Offers change and differ by account.

  • Free plan Keep a free Experian membership: your Experian credit report and FICO Score updated daily on sign-in, credit monitoring alerts and online disputes experian.com

For AI agents

  • The person signs in and handles any two-factor code; an agent should never ask for a password.
  • Cancelling online means switching the paid membership to the free membership
  • You can also change the membership by phone at 1-866-617-1894 (Monday-Friday 8am-8pm CT, Saturday-Sunday 8am-6pm CT) or through the EVA chat after signing in
  • Cancel a web trial within 7 days to avoid the monthly charge ($24.99 for IdentityWorks Premium)
  • Bought in the Experian iPhone app? Apple bills it: cancel in your Apple subscriptions, not on experian.com

Get this plan as data: get_exit_plan on the Stackcut MCP (stackcut.io/mcp), or /exits/experian.json. After using a guide, send structured report_guide_feedback for matching or changed steps, missing billing routes or human handoffs; keep unknown language and market omitted. Confirm with the person before the final click, and report the outcome with report_action_outcome, using the exact packet_revision and route_id returned by the plan.

Or give your agent the stackcut-leave skill (a zip): it exports first, walks the steps, stops when the page doesn't match, and leaves the final click to the person.

Delete your account (separate from cancelling)

Cancelling stops the payments; deleting removes the account and its data. Delete-account page (rated hard).

Link from JustDeleteMe (MIT).

Sources

  1. Experian Help: How to cancel my membership Sign in to update your membership from a paid monthly membership to a free membership with no monthly costs (cancelling online by switching to the free membership)
  2. Experian Help: How to cancel my membership After you sign in you will be automatically redirected to your membership settings. (where the sign-in link lands)
  3. Experian Help: How to cancel my membership Option 2: Update your membership by phone If you have questions about your membership or would like to update your membership, you may also contact us by phone. (the phone option)
  4. Experian Help: How to cancel my membership Experian credit monitoring with alerts when key changes occur Access to Experian online disputes to review and correct inaccuracies (what the free membership keeps)
  5. Contact us (Experian) Phone: 1-866-617-1894 Monday-Friday 8am to 8pm CT Saturday-Sunday 8am to 6pm CT (membership phone line and hours)
  6. Identity theft and credit protection (Experian) You may cancel your trial membership at any time within 7 days without charge. (trial cancellation)
  7. Identity theft and credit protection (Experian) If you decide not to cancel, your membership will continue and you will be billed $24.99 each month for Experian IdentityWorks ® Premium. (the monthly price after a trial)
  8. Identity theft and credit protection (Experian) Get advanced alerting, credit monitoring and fraud resolution that includes up to $1 million ID theft insurance. (what the paid plan adds)
  9. Contact us (Experian) Experian membership Chat: EVA, your Experian Virtual Assistant, is here to help anytime. (chat support for memberships)
  10. Experian on the App Store (In-App Purchases) Experian CreditWorks℠ with Trial $9.99 (the Experian iPhone app sells CreditWorks memberships as in-app purchases billed by Apple)
  11. Cancel a subscription from Apple In Settings, tap your name. Tap Subscriptions. Tap the subscription. Tap Cancel Subscription. (the Apple steps)
  12. Cancel a subscription from Apple If there is no Cancel button or you see an expiration message in red text, the subscription is already canceled. (how to confirm on Apple)
  13. Cancel a subscription from Apple If you signed up for a trial subscription and you don't want to renew it, cancel it at least 24 hours before the trial ends. (trial notice on Apple)

Not confirmed yet

  • Experian's website pages name the paid plans IdentityWorks Premium and Plus, while the App Store lists Experian CreditWorks in-app purchases; which name applies to web memberships today is unclear
  • When paid access ends after switching to free, and Experian's refund policy, are not on Experian's help pages
  • The exact buttons in the membership settings flow, any retention offers, and how Experian confirms the change are not documented
  • Whether paid Experian plans can be billed through Google Play is not documented (the Google Play listing doesn't mention in-app purchases)
  • Experian's Terms of Use Agreement (usa.experian.com/login/publicTermsAndConditionsFree) couldn't be checked, so cancellation timing and refund terms aren't confirmed
  • When Apple-billed access ends after cancelling is not stated on Apple's page

Independent re-check, 2026-09-29

A second reviewer re-read the official pages and corrected what was wrong or missing; some facts couldn't be re-checked (listed above). The JSON lists what changed.

Partly confirmed (see what's unverified), 2026-09-29. Cancel flows change: if this one did, tell us at support@stackcut.io. Stackcut Exits is open data (CC BY 4.0).