How to Cancel Experian Credit Monitoring (Step-by-Step for 2025)

Experian’s credit monitoring services can be useful—until they start quietly charging you month after month. Unfortunately, many users find canceling harder than signing up. This guide breaks down exactly how to cancel Experian Credit Monitoring via web, phone, and what to say to avoid “retention traps.”

🔍 Quick Summary

TL;DR: To cancel Experian Credit Monitoring, log into your account and go to "My Subscriptions," or call 1-877-284-7942 and ask to cancel. Some accounts must be canceled by phone.

💻 How to Cancel Experian Online

  1. Go to experian.com and log into your account.
  2. Click your profile icon or initials in the upper right corner.
  3. Select My Subscriptions.
  4. Click Cancel Membership next to your current plan.
  5. Follow all confirmation steps until you receive a cancellation confirmation.

Note: Some users report being redirected to call customer service to finalize the process.

📞 How to Cancel by Phone

If you can’t cancel online, or your account requires human confirmation:

  • Call Experian at 1-877-284-7942 (Mon–Fri, 6am–8pm PT; Sat–Sun, 8am–5pm PT).
  • Press the prompts for "billing" or "cancel membership."
  • Be firm and polite. Decline any retention offers unless you truly want them.
  • Ask for a **cancellation confirmation number** or email.

Tip: Consider using a service like DoNotPay if you feel pressured during the call.

📅 What Happens After Cancellation?

  • You’ll retain access until your next billing cycle ends.
  • Your credit report access will downgrade to the free tier (still usable).
  • You’ll stop receiving Experian alerts unless re-enrolled.

🛡️ Alternatives to Experian Credit Monitoring

❓ FAQs

Can I get a refund from Experian?

Experian typically does not offer refunds, but it may issue a partial credit if you cancel right after renewal.

Does canceling hurt my credit score?

No. Canceling credit monitoring has zero impact on your credit score or report.

Will my alerts stop after cancellation?

Yes. Once your paid subscription ends, you will no longer receive fraud alerts, credit activity notices, or ID theft monitoring.