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How to cancel Experian
To cancel a paid Experian membership, sign in at experian.com; you are taken to your membership settings, where you switch from the paid monthly plan to the free membership. You can also call Experian’s membership line on 1-866-617-1894. You keep a free Experian account with your credit report and FICO Score.
Checked October 16, 2026 against Experian's own help pages, linked beside each step. These steps and terms are for US plans; other countries can differ. We are not affiliated with Experian. We make Treasury, a finance app that finds recurring charges; it does not cancel anything for you.
Cancel where you pay
Check your receipt or statement for who bills you, then use that route. Cancelling in the wrong place, or deleting the app, can leave the plan renewing.
| If you're billed by | Cancel in |
|---|---|
| Experian directly (online) | experian.com › membership settings |
| Experian directly (phone) | Membership line 1-866-617-1894 |
Cancel Experian: Experian directly (online)
- Sign in at experian.com. You are redirected to your membership settings.
- Choose the free membership to change from your paid monthly plan.
Cancel Experian: Experian directly (phone)
- Call 1-866-617-1894, Monday to Friday 8am to 8pm CT or Saturday and Sunday 8am to 6pm CT.
- Ask to cancel your paid membership.
When it ends and what it costs
- Experian says you can change, cancel or downgrade your plan to free at any time. Source: Experian
- If your file is locked with CreditLock when you cancel Premium, it unlocks at the end of the billing period, because CreditLock is a Premium feature. Source: Experian
We didn't find fees or refund terms for this plan on Experian's public pages as of October 16, 2026. Check the terms you agreed to when you signed up.
What trips people up
- Cancelling online means downgrading to a free account, so an Experian account stays open with your credit report and FICO Score. Source: Experian
- CreditLock ends with the paid plan, so a locked file unlocks at the end of the billing period. Source: Experian
Still charged after you cancelled?
- Keep the cancellation confirmation (email, screenshot or letter) with its date. It is your evidence if a charge appears later.
- Contact Experian first through the route above and ask for the charge to be reversed.
- If that fails, your bank or card issuer can help. The Consumer Financial Protection Bureau explains how to stop automatic payments from a bank account, including telling the company in writing that you have revoked permission.
Our guide to cancelling any subscription covers the general steps for merchants not listed here.
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Find the subscriptions you forgot about
Treasury connects to your bank and card accounts, finds recurring charges, including quarterly and annual ones, and shows when each is next due, so you can cancel before it renews. It does not cancel for you, and its list still needs a quick review. If you want someone to do the cancelling, our subscription tracker comparison covers the app that offers that.
Frequently asked questions
Does cancelling Experian delete my account?
No. Online, Experian moves you from the paid plan to a free membership, which keeps your credit report and FICO Score on sign-in.
Will my credit be unlocked if I cancel Experian Premium?
Yes, at the end of the billing period, because CreditLock is a Premium feature.
Does Experian refund the current month?
We could not find a refund policy for paid memberships on Experian’s public pages. Ask when you call 1-866-617-1894.
Know every subscription before it renews.
Treasury connects to your accounts, finds recurring charges, and shows when each one is next due. It does not cancel for you.
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