How To Cancel Experian Membership

Apparently, many individuals sign up for a free 30-day trial or for a “one-time” $1 credit report, without reading Experian terms that Experian will convert these one-time registrations into paid permanent subscriptions. I am not sure if this is also the reason you are now searching for ways to cancel your Experian membership. While knowing your credit score is useful, many people don’t appreciate if there are any charges specifically Experian’s automatic subscription policy.

Experian membership is a subscription-based service provided by Experian, one of the major credit reporting agencies. This membership offers individuals access to several tools and resources to manage their credit, identity, and finances. This all is useful and worthy to align with your finances for managing them in a better way, but if there is some cost and if that is recurring then canceling is a good idea.

I have below mentioned simple and quick ways to get your membership with Experian canceled, make sure you understand the processes and their terms correctly and then apply to avoid any complications and keep the whole process simple and hassle-free. I have also listed below some of the crucial terms and conditions as outlined by Experian itself, as it’s something related to your finances, so I won’t advise you of an abrupt cancellation, it should be smooth and clean instead.

Can I Cancel my Experian Membership Anytime? 

You can, but I would suggest you to read through the pointers listed below;

• Experian often provides a free 30-day trial, or offers a 30-day reduced fee for first-time users. If you after availing this have forgotten to cancel after the first month, you will be charged between $19.95 and $29.95 a month, until you request to cancel the subscription. 
• If you need to cancel your monitoring membership during the already paid-for or pre-defined term, you will not be entitled to a refund, prorated or otherwise of the promotional membership fee. 
• For those who have availed of monthly billed memberships with a Money Back Guarantee, in case they cancel within the time period of the Money Back Guarantee, they will be entitled to receive a full refund of the amount they have paid. 
• If at any time while you have an active account with Experian, you plan to cancel your membership in a paid Service, you will then after cancellation be by default enrolled in a free Service, as the cancellation of the paid Service cannot cancel your account with Experian unless you request separately for that.
• If you have subscribed from Apple Store or Google Play Store then you will have to cancel the service through Apple or Google Store Terms and Conditions or Google Play Terms of Use, as applicable. 
• After your request for cancellation of your membership has been submitted successfully and processed, remember that the cancellation will only become effective at the end of the then-current monthly membership period.
• After you have canceled Experian paid service you will not receive alerts or monitoring of changes to your Experian credit file.
• After cancellation of services, it might be possible to reactivate your subscription in Experian CreditWorks (or other membership based Services) through iTunes or Google Play, as applicable, without any need to re-open this application using Account Settings. 
• Canceling Experian paid features or services, your recurring scans and Automated Opt-Out Requests will also be stopped (although pending requests might be attempted for a limited time after you have canceled).

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How To Cancel Experian Membership?

Canceling an Experian Membership is a straightforward process, but it’s always crucial to follow the correct steps to avoid any confusion or extra charges. Whether you have made other plans and are switching to another service, if you know how to properly cancel your Experian Membership can save you time and hassle. Below I have discussed all possible ways to cancel, individually which will help you through the process of canceling your Experian Membership, ensuring that everything is dealt with smoothly and in compliance with their policies.

How To Cancel Experian Membership Via Calling?

The first method is to cancel by calling the Experian customer support team and you can do this from the comfort of your home, understand the steps below;

Call Experian Customer Service

• Dial the Phone Number
  Use the number 1866-617-1894 to contact Experian’s customer service. This line is only for member services and cancellations.

Timing

• Call During Business Hours
  They are available Mon – Fri 9am to 7pm, and are closed on Sat & Sun and on bank holidays, make sure that you are calling only within Experian customer service hours.

Talk to a Representative

• Navigate the Automated Menu
  After you have dialed the number, you will be received by an automated phone system. Carefully listen to all the options and the available menu and then select the one related to management or cancellations.
• Speak Clearly
  Once connected with a customer service representative, clearly state that you need to cancel your Experian membership. Discuss and understand the cancellation process and any other requirements they may have.

Provide Account Information

• Prepare Your Details
  Before you make the call, gather all necessary information to ensure the process is smooth and quick:
  • Account Number: Have your Experian membership I.D. ready for quick reference.
  • Personal Information: All your personal details like your full name, registered email, and your billing/postal address for verification.

Verification Process

• Identity Verification
  The representative will most likely ask you to verify your identity by answering some security questions or providing additional details related to your Experian account.

Confirm Cancellation and Documentation

• Request Confirmation
  After you have submitted your cancellation request, ask the representative for a confirmation which must include the effective date of the cancellation and whether any further actions you are required to take.
• Obtain Written Confirmation
  Request a written confirmation of the cancellation via email or postal mail. This documentation shall serve as proof that your Experian membership has been canceled/closed. It should include:
  • Effective Date: The date when your account will officially be terminated.
  • Confirmation Number: A unique reference number for your cancellation request.
  • Any Refunds: Information about any refunds due for remaining balances.

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How To Cancel Experian Membership Via Mail?

If you need to cancel your Experian membership by mail, you can also do that, below are the simple steps to follow;

Mailing Address for Cancellation

Attn. Customer Care

PO Box 2390

Allen, TX 75013

Your Cancellation Letter Formatting

• Date: Include the date you’re writing the letter at the top.
• Recipient’s Address: Address it to the following:

Attn. Customer Care

PO Box 2390

Allen, TX 75013

Letter Content

• Salutation
  • “Dear Experian Customer Service,”

• Introduction
  • Clearly state that you want to cancel your policy.

• Provide Personal Details
  • Include all necessary details to identify your policy
    • Full Name appearing on the policy.
    • Account Number
    • Date of Birth: Your date of birth for verification.
    • Address: Your current residential address.
    • Email Address: The email address linked to your Experian account.
    • Phone Number

• Request Confirmation
  • Ask for written confirmation of the cancellation:
    • Please confirm receipt of this letter and provide a written confirmation of the cancellation. Lastly, mention your full name and contact information.

Mail the Letter to the address outlined above

• Mail the letter via a reliable postal service and consider a certified mail or to request a return receipt for proof of delivery.

Follow Up

• It’s an offline process, allow a few weeks and Experian should send you a confirmation letter. 
• If there is no reply, try reaching out to Experian customer support on the details outlined above. 

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How To Cancel Experian Membership Via Email? 

Canceling your Experian membership is another method to communicate which has its own benefits like it ensures a clear, documented request. Below are the detailed steps below to follow;

Draft Your Cancellation Email

• Subject Line:
  Use a clear subject line to make your request easily identifiable, like;
  “Request for Account Cancellation”
• Email Body:
  Begin with a polite salutation:
  “Dear Experian Customer Service Team,”
  In the email body, include all essential information and details to help Experian identify your account and process the request;
  • Full Name: Your name as it appears on your Experian membership account.
  • Membership I.D: The Experian membership ID you want to cancel.
  • Date of Birth: Your date of birth for verification.
  • Address: Your current billing address is on file.
  • Email Address: The email address registered to your Experian account.
  • Phone Number: Contact number registered with them.

Mention Reason for Cancellation

• Mention a clear reason for your membership cancellation request, this helps in clear communication and speeding up the process. Some common reasons like you are moving away or you have another option decided.

Request Confirmation of Cancellation

• Request written confirmation that your Experian membership cancellation request has been submitted and put into process. Mention them to include the effective date of the cancellation and any details on refunds or remaining balances, if you are eligible.

Send the Email

• To: Send the email to support@experiandirect.com.
• Attachment: Remember to attach all relevant documents, like a copy of your ID or any identification that might be required for verification.

Follow Up

• Check for Confirmation: Ensure that you follow up in case you do not receive a written confirmation of your cancellation request within a reasonable timeframe. 

Monitor Your Bank Account

• Bank Statements: After you have canceled your Experian membership, monitor your bank or credit card statements and make sure that no further payments are processed as this will help you confirm that the account has been fully closed and no charges are pending.

Document Everything

• Save Copies: Save a copy of your email request and any confirmation emails for future correspondence as proof that the cancellation request was made and processed.

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How To Cancel Experian Membership On Apple Store?

If you have subscribed to Experian from iTunes, your Experian membership will be then managed through Apple’s App Store. Follow the below simple steps to cancel the Experian subscription;

1. Open the Settings App
   • Tap the Settings icon on your home screen. The settings app is where you can manage all the system-wide settings which also include subscriptions.

2. Tap on Your Apple ID Profile
   • At the top of the Settings menu, your name and Apple ID profile picture will appear. Tap on this section and access your Apple account details.
   • In case you are not logged into your Apple ID, you’ll be firstly prompted to log in with your Apple ID email and password.

3. Select ‘Subscriptions’
   • Once inside your Apple ID general account page, scroll down a bit and select the ‘Subscriptions’ options. A menu will appear, showing you a list of all of your active subscriptions related to your Apple account which includes those purchased through the App Store.

4. Find Your Experian Subscription
   • Search through the list of subscriptions and find your Experian subscription. If you have subscribed to multiple services, it might take a moment to find the one you’re looking for.
   • Tap on the Experian subscription to see more details.

5. Cancel the Subscription
   • After you have selected your Experian subscription, you will see an option to ‘Cancel Subscription’.
   • Tap on this button to start the cancellation process. A prompt will then appear asking you for confirming the cancellation tap ‘Confirm’ to proceed.
   • The subscription will continue to remain active until the end of your current billing period and you will not be charged again after this subscription period ends.

6. Verify the Cancellation
   • After you have completed the cancellation, return to the subscriptions list to ensure that the Experian subscription displays an expiration date instead of a renewal date which implies that Experian your cancellation was successful.

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How To Cancel Experian Membership on Google Play?

On the Android devices, Experian subscriptions are managed via the Google Play Store. To cancel your Experian subscription, follow the below-explained steps;

1. Open the Google Play Store App
   • Open the Google Play Store app on your device, in this only all your app-related purchases and subscriptions are handled.

2. Access Your Google Account Profile
   • In the top-right corner of the Play Store, tap on your profile icon (this is your Google account picture or the initials of your name).
   • A menu will appear with various account-related options.

3. Select ‘Payments & Subscriptions’
   • From the drop-down menu, tap and select ‘Payments & Subscriptions’. You will be taken to a page where you can manage all your payment methods, view your purchase history, and most importantly, manage your subscriptions.

4. Go to ‘Subscriptions’
   • On the Payments & Subscriptions page, tap select ‘Subscriptions’. Then a complete list of all your subscriptions related to your Google account will appear.

5. Find Your Experian Subscription
   • Scroll down through the list to locate your Experian subscription and tap on it to access detailed subscription information which includes payment history, renewal dates, and options for making changes and modifying or canceling the subscription.

6. Cancel the Subscription
   • After you have selected the Experian subscription, tap on the ‘Cancel Subscription’ button and then a message on screen will appear asking for confirmation.
   • You would also be asked to provide a reason for canceling the subscription, Select the most suitable reason and proceed by tapping ‘Confirm’ to finalize the cancellation.
7. Verify the Cancellation
   • Once you have confirmed the cancellation, you’ll see a confirmation screen saying that your subscription will end at the end of the current billing cycle.
   • To make sure that the cancellation was successful, return to the subscriptions page in the Play Store and verify that the Experian subscription now is showing an expiration date instead of an upcoming renewal date.

Alternatives To Experian Membership

While many are irked because of the type of the services and looking for a way out, at the same time many are also looking forward to keeping such services but that altogether from a different service provider. Read the alternatives to mentioned below;

• AnnualCreditReport.com: As per the law, you can get a free credit report from the three major credit bureaus every year at AnnualCreditReport.com. It’s not only free, it’s also the most secure way to access your official credit report.
• Banks and Credit Card Companies: Your bank and credit card provider offer free credit monitoring as a perk to all the account holders. Check for this option on your online banking or on your credit card statement, try reaching out to the customer support to understand and avail.
• Free vs Paid Services: While AnnualCreditReport.com along with your bank provide free credit reports, there are still some services with many additional features (like credit score monitoring or alerts) and for that add-ons and an enlarged and detailed report they might charge a fee.
• Credit Monitoring: You must understand that the free credit reports generally offer a snapshot of your credit information and that too only at a specific point in time. You shall consider a service that monitors your credit report for any unexpected or crucial changes and instantly alerts you of any suspicious activity.

Conclusion 

Many times it happens that you need some service urgently and you hurriedly avail their free trial or with minimum fees like $1 you get your job done but you hardly read through the service agreement which clearly mentions that if you don’t cancel your trial then after the said number of days of free trial, your trial will be converted into a recurring paid subscription.

The simple solution to keep a close eye on this is to check your credit card statement which you frequently use for online purchases and subscriptions. Checking the statement every month would take a few minutes but could save you a bulk of worthless spending of your money.

Frequently Asked Questions