{
 "id": "experian",
 "name": "Experian CreditWorks",
 "category": "finance_apps",
 "website": "https://www.experian.com",
 "domains": [
  "experian.com"
 ],
 "summary": "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.",
 "routes": [
  {
   "channel": "direct_web",
   "applies_to": "Paid monthly Experian memberships billed by Experian (the pages we read name them Experian IdentityWorks Premium and Plus)",
   "who": "The member, signed in to Experian",
   "method": "self_serve",
   "start_url": "https://usa.experian.com/login/index?br=exp&refUrl=%2Fmfe%2Fmember%2Fngx-profile%2Fmembership-details",
   "steps": [
    {
     "do": "Open Experian's Sign in to update now link and sign in",
     "expect": "your membership settings"
    },
    {
     "do": "Select the free membership as the type of membership you want to change to",
     "expect": null
    }
   ],
   "confirm_by": null,
   "effective": null,
   "notice": "Trial memberships can be cancelled within 7 days without charge; after that monthly billing starts ($24.99 a month for IdentityWorks Premium)",
   "refund": null,
   "fees": null,
   "source_ids": [
    "s1",
    "s2",
    "s3",
    "s6",
    "s7"
   ]
  },
  {
   "channel": "apple_app_store",
   "applies_to": "Experian CreditWorks memberships bought in the Experian iPhone or iPad app (charged to your Apple account)",
   "who": "The Apple Account that bought the membership",
   "method": "platform_settings",
   "start_url": "https://account.apple.com/account/manage/section/subscriptions",
   "steps": [
    {
     "do": "On your iPhone or iPad, open Settings and tap your name",
     "expect": "Subscriptions"
    },
    {
     "do": "Tap Subscriptions, then Experian",
     "expect": "Cancel Subscription"
    },
    {
     "do": "Tap Cancel Subscription",
     "expect": null
    }
   ],
   "confirm_by": "In Subscriptions there is no Cancel button, or an expiration message in red text",
   "effective": null,
   "notice": "For a free trial, cancel at least 24 hours before the trial ends",
   "refund": null,
   "fees": null,
   "source_ids": [
    "s10",
    "s11",
    "s12",
    "s13"
   ]
  }
 ],
 "pay_less": [
  {
   "type": "free_plan",
   "what": "Keep a free Experian membership: your Experian credit report and FICO Score updated daily on sign-in, credit monitoring alerts and online disputes",
   "evidence": "documented",
   "source_ids": [
    "s1",
    "s4"
   ]
  }
 ],
 "export": [],
 "after_cancel": {
  "access_until": null,
  "data_kept": "Your Experian account continues as a free membership",
  "you_lose": [
   "Paid-plan features such as advanced alerting and up to $1 million identity theft insurance"
  ]
 },
 "agent_notes": {
  "sign_in_needed": true,
  "phone_or_chat_only": false,
  "retention_step": null,
  "tips": [
   "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"
  ]
 },
 "sources": [
  {
   "id": "s1",
   "url": "https://www.experian.com/help/",
   "title": "Experian Help: How to cancel my membership",
   "publisher": "vendor",
   "quote": "Sign in to update your membership from a paid monthly membership to a free membership with no monthly costs",
   "supports": "cancelling online by switching to the free membership"
  },
  {
   "id": "s2",
   "url": "https://www.experian.com/help/",
   "title": "Experian Help: How to cancel my membership",
   "publisher": "vendor",
   "quote": "After you sign in you will be automatically redirected to your membership settings.",
   "supports": "where the sign-in link lands"
  },
  {
   "id": "s3",
   "url": "https://www.experian.com/help/",
   "title": "Experian Help: How to cancel my membership",
   "publisher": "vendor",
   "quote": "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.",
   "supports": "the phone option"
  },
  {
   "id": "s4",
   "url": "https://www.experian.com/help/",
   "title": "Experian Help: How to cancel my membership",
   "publisher": "vendor",
   "quote": "Experian credit monitoring with alerts when key changes occur Access to Experian online disputes to review and correct inaccuracies",
   "supports": "what the free membership keeps"
  },
  {
   "id": "s5",
   "url": "https://www.experian.com/help/contact/",
   "title": "Contact us (Experian)",
   "publisher": "vendor",
   "quote": "Phone: 1-866-617-1894 Monday-Friday 8am to 8pm CT Saturday-Sunday 8am to 6pm CT",
   "supports": "membership phone line and hours"
  },
  {
   "id": "s6",
   "url": "https://www.experian.com/protection/identity-theft-and-credit-protection/",
   "title": "Identity theft and credit protection (Experian)",
   "publisher": "vendor",
   "quote": "You may cancel your trial membership at any time within 7 days without charge.",
   "supports": "trial cancellation"
  },
  {
   "id": "s7",
   "url": "https://www.experian.com/protection/identity-theft-and-credit-protection/",
   "title": "Identity theft and credit protection (Experian)",
   "publisher": "vendor",
   "quote": "If you decide not to cancel, your membership will continue and you will be billed $24.99 each month for Experian IdentityWorks ® Premium.",
   "supports": "the monthly price after a trial"
  },
  {
   "id": "s8",
   "url": "https://www.experian.com/protection/identity-theft-and-credit-protection/",
   "title": "Identity theft and credit protection (Experian)",
   "publisher": "vendor",
   "quote": "Get advanced alerting, credit monitoring and fraud resolution that includes up to $1 million ID theft insurance.",
   "supports": "what the paid plan adds"
  },
  {
   "id": "s9",
   "url": "https://www.experian.com/help/contact/",
   "title": "Contact us (Experian)",
   "publisher": "vendor",
   "quote": "Experian membership Chat: EVA, your Experian Virtual Assistant, is here to help anytime.",
   "supports": "chat support for memberships"
  },
  {
   "id": "s10",
   "url": "https://apps.apple.com/us/app/experian-credit-report/id1087101090",
   "title": "Experian on the App Store (In-App Purchases)",
   "publisher": "platform",
   "quote": "Experian CreditWorks℠ with Trial $9.99",
   "supports": "the Experian iPhone app sells CreditWorks memberships as in-app purchases billed by Apple"
  },
  {
   "id": "s11",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "In Settings, tap your name. Tap Subscriptions. Tap the subscription. Tap Cancel Subscription.",
   "supports": "the Apple steps"
  },
  {
   "id": "s12",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "If there is no Cancel button or you see an expiration message in red text, the subscription is already canceled.",
   "supports": "how to confirm on Apple"
  },
  {
   "id": "s13",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "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.",
   "supports": "trial notice on Apple"
  }
 ],
 "verification": {
  "level": "partial",
  "checked_on": "2026-09-29",
  "by": "stackcut-research",
  "unverified": [
   "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"
  ],
  "review": {
   "by": "stackcut-review",
   "on": "2026-09-29",
   "result": "partial",
   "notes": [
    "Added an Apple App Store route: the Experian iPhone app lists Experian CreditWorks in-app purchases (s10) with Apple's steps (s11-s13)",
    "The $24.99 monthly price is only stated for IdentityWorks Premium; the notice and tip now say so",
    "Summary now covers the Apple route",
    "All nine original quotes re-found on Experian's pages; start_url matches the help page's Sign in to update now link",
    "Paid access end date and refund terms are still unconfirmed (Experian's terms page couldn't be checked)"
   ]
  }
 },
 "delete_account": {
  "url": "https://www.experian.com",
  "difficulty": "hard",
  "source": "JustDeleteMe (MIT), https://github.com/jdm-contrib/jdm"
 },
 "page": "https://stackcut.io/cancel/experian",
 "json": "https://stackcut.io/exits/experian.json",
 "evidence": {
  "packet_revision": "68fd4c8e49e6b27f3f7729490182e4fc852843f73abb062b8194c66297154d1d",
  "docs_checked_on": "2026-09-29",
  "last_observed_success_on": null,
  "verification": "partial",
  "freshness": {
   "as_of": "2026-10-09",
   "status": "current",
   "checked_on": "2026-09-29",
   "age_days": 10,
   "stale_after_days": 30,
   "next_check_on": "2026-10-29"
  },
  "routes": [
   {
    "route_id": "experian--direct-web--r1",
    "channel": "direct_web",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   },
   {
    "route_id": "experian--apple-app-store--r2",
    "channel": "apple_app_store",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   }
  ]
 },
 "license": "CC-BY-4.0",
 "credit": "Stackcut Exits (https://stackcut.io/cancel), CC BY 4.0"
}