How Do I Cancel Experian Subscription? A Calm UK Guide

Why this is in Credit Scores

People often pay for a credit monitoring plan when they’re about to apply for something big: a mortgage, a car, or a new card. That’s sensible. The only trap is forgetting the renewal when life gets busy.

Cancelling a monitoring subscription usually doesn’t change your UK credit score. But avoiding an accidental renewal can help you keep cash flow steady, which makes it easier to stay on top of payments (and those do matter).

If you’re diagnosing a recent drop, start here: Why Has My Credit Score Gone Down?

Option 1: Cancel if you pay Experian directly

If Experian bills you directly (not Apple/Google), you normally cancel inside your Experian account. Because menus can change, use this approach:

1. Sign in to your Experian account on the web or in the app.
2. Look for Membership, Subscription, Plan, or Billing.
3. Choose Cancel (or Manage then Cancel).
4. Save the confirmation (screenshot + email if available).

If you can’t find the cancellation path, go via Experian’s UK help/contact pages and ask them to confirm (1) the plan name, (2) who bills you, and (3) the effective end date: Experian Help.

Option 2: Cancel if you subscribed via Apple

If your receipt shows Apple billing, cancel through Apple Subscriptions:

1. Open Settings on your iPhone.
2. Tap your name (Apple ID) → Subscriptions.
3. Select the Experian subscription (it may appear as Experian or the plan name).
4. Tap Cancel Subscription and confirm.

Apple’s official guide is the most reliable reference when buttons move around: Cancel a subscription on iPhone.

Option 3: Cancel if you subscribed via Google Play

For Google-billed subscriptions, cancel in the Play Store (or on the web):

• Android: Google Play → profile icon → Payments & subscriptions → Subscriptions → Experian → Cancel.
• Web: play.google.com/subscriptions → choose the subscription → cancel.

Google notes renewals can be processed ahead of the end of your period, so it’s smart to cancel at least a day before renewal: Google Play cancellation help.

What happens after you cancel (and what to screenshot)

Most subscriptions follow a predictable pattern: cancelling stops the next renewal, and you keep access until the end of the current paid period. But the exact wording varies by provider and plan.

To make this stress-free, capture these three things:

• End date (or “expires on” date)
• Billing route (Experian vs Apple vs Google)
• Confirmation (email or on-screen message)

If you’re keeping your credit profile tidy ahead of an application, it’s also worth checking your file update timing: How Often Does Credit Score Update?

Troubleshooting: if you cancelled but you’re still being charged

• You cancelled the wrong route: double-check Apple/Google subscriptions even if you cancelled in the Experian app.
• You have more than one account: old email addresses can mean a second subscription.
• You hit “delete app” instead of “cancel subscription”: uninstalling doesn’t stop billing.
• Renewal processed early: app stores can process renewals ahead of the renewal moment.
• Get help with proof: contact the biller with screenshots and receipt details.

For general UK consumer rights and dispute steps, Citizens Advice is a good starting point: Citizens Advice consumer help.

Does cancelling Experian affect your credit score?

For most people: no. A paid monitoring plan is not a credit account. Your score is driven by what’s reported on your credit file (payment history, utilisation, searches, etc.).

If you’re trying to keep your score stable, focus on the basics that matter most:

• Stay on top of payments (even minimums)
• Keep credit utilisation reasonable
• Avoid unnecessary new applications right before you apply for a mortgage or car finance

Related reads: Does Overdraft Affect Credit Score? and Does Klarna Affect Credit Score?