Many Americans unknowingly pay for subscription services they don’t use, including credit monitoring services like Experian. These small monthly bills can quickly add up to hundreds of dollars over time, and even more if you’re responsible for managing the accounts of a deceased loved one. In this article, we’ll provide you with a guide on how to cancel an Experian membership, whether it’s for yourself or someone else.
How to Cancel Your Own Experian Membership
In this guide, we’ll go over the steps you need to follow to cancel your Experian membership if you’re no longer using the service.
Step 1: Switch to the free version
To stop monthly payments while waiting to cancel your Experian account, you can switch to the free version. Log into your Experian account online and go to your membership settings.
Step 2: Call or email Experian
You have two options for canceling your Experian membership: calling or emailing the company.
Call Experian customer service at 1 (479) 343-6239 for faster cancellation, while emailing firstname.lastname@example.org may take longer. Depending on your account details, you may need to call customer service anyway.
Step 3: Speak with a representative
If you call Experian Customer Service, select the option to speak with a human representative by pressing “1” for membership services and then pressing “1” again to speak with the billing department.
Step 4: Provide account information
Prepare to provide details about your account and personal information, such as your account number, Social Security number, and credit card or loan account numbers. If emailing, send your request for cancellation first, and provide the information if requested.
Step 5: Request cancellation
Ask the representative to cancel your subscription and provide any additional information needed to confirm the request.
Step 6: Verify terms and conditions
The representative will read or email you the terms and conditions associated with the cancellation. Understand and agree to these terms, such as Experian storing your account information for a period of time.
Step 7: Request details
Before ending your correspondence, ask for the representative’s name, the effective cancellation date, and a confirmation number. These details will be useful if Experian charges you again in the future.
Step 8: Check for charges
Continue to monitor your monthly bank statements for Experian charges. Contact Experian Customer Service immediately if you notice any extra charges and request a refund.
How to Permanently Cancel an Experian Membership for a Deceased Loved One
If you need to cancel an Experian membership under the name of a deceased loved one, there are steps you can take to ensure that the cancellation process goes smoothly. As the executor of your loved one’s estate, it is your responsibility to handle financial matters such as canceling subscriptions like Experian.
Step 1: Switch to a free membership
To stop monthly payments on your loved one’s Experian subscription, you can switch to the free version of the service. You’ll need to access their account with their password, which may be stored in a password manager or written down somewhere.
Step 2: Locate credit card and loan information
Gather any loan or credit card bills or documents that have account numbers on them, as these may be required to cancel the membership.
Step 3: Search email for “Experian”
If you have access to your loved one’s email account, search for the keyword “Experian” to find confirmation emails with their account number.
Step 4: Call customer service
Canceling a deceased person’s Experian membership may be more complicated than canceling your own, so it’s best to call customer service at 1 (479) 343-6239 and speak with a representative. They can guide you through the process and tell you what information you need to provide.
Step 5: Provide personal information
You will need to provide the deceased person’s full name, Social Security number, and other personal information to cancel their membership.
Step 6: Follow through on verification, cancellation, and monitoring
Just as with canceling your own membership, it’s important to ask for details regarding the cancellation and to keep an eye on your loved one’s accounts for any unapproved charge.
Canceling an Experian Membership: Frequently Asked Questions
If you’re looking to cancel your Experian membership or that of a loved one, you may have some questions. Here are some of the most commonly asked ones:
Can you cancel your Experian membership anytime?
Yes, you can cancel your Experian membership anytime. Depending on your subscription, you may receive a prorated refund for any unused time.
Is it possible to cancel an Experian membership online?
No, unfortunately, you cannot cancel an Experian membership online. However, you can switch to the free version to stop making monthly payments. To completely cancel your membership, you must call or email Experian.
What happens after you cancel an Experian membership?
Experian typically saves your data for up to a month after you cancel your membership. This allows you to reopen the account and restart your membership if you change your mind. However, if you don’t resubscribe within that time, you’ll need to sign up as a new member to enroll in Experian services again.
Canceling Your Experian Membership
If you’ve ever signed up for a free trial of a monthly subscription service like Experian, you’re not alone in forgetting to cancel it. To avoid paying for a service you’re not using, it’s a good idea to set a reminder or write a note in your calendar to cancel the membership before the free trial ends.
We recommend setting a reminder two weeks before the free trial expires to give you enough time to cancel without incurring additional charges. Taking this step not only saves you money, but also helps manage your digital legacy.
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