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How To Delete Experian Account

What Is Experian?

Experian is a multinational data analytics and consumer credit reporting company headquartered in Dublin, Ireland. They're one of the "Big Three" credit bureaus in the United States, along with Equifax and TransUnion.

Here's a breakdown of what Experian does:

  • Collects and aggregates information on over 1 billion people and businesses: This includes things like your credit history, public records, and demographic data.

  • Provides credit reports and scores to lenders: Lenders use this information to decide whether or not to approve your loan application and what interest rate to offer you.

  • Offers a variety of consumer products and services: These include credit monitoring, identity theft protection, and credit repair services.

Experian plays a major role in the financial lives of millions of people. Your credit score, which is generated by Experian and the other two credit bureaus, is a key factor in determining your eligibility for loans, credit cards, and even some types of insurance.


How To Delete Experian Account

 If you've decided to part ways with Experian, the process can be straightforward, but knowing the right steps is key. This guide will walk you through the various methods for deleting your Experian account, whether you have a free or paid subscription.

Freeing Yourself from the Free Account:

  • Online Simplicity: Log in to your Experian account and navigate to "My Subscriptions." Click the "Close my Experian account" button, and voila! Your account will be deactivated.

  • Phone Power: Dial Experian's customer service number at 0800 013 88 88*. Speak to a representative and request to close your account. They'll guide you through the process.

  • Pen and Paper: Feeling old-school? Send a written request to Experian, PO box 9639, Nottingham NG80 1AE. Include your full name, date of birth, address, and the email address associated with your account.

Untangling the Paid Subscription:

  • Subscription Settings: Most paid Experian plans, like Experian CreditWorksSM, offer cancellation options within your account settings. Locate the "Subscription" or "Billing" section and follow the prompts to cancel.

  • Phone Farewell: Similar to the free account, you can call Experian's customer service at 1 479 343 6239 and request to cancel your subscription. Be prepared to provide your account information.

Remember Before You Say Goodbye:

  • Credit Report Access: Deleting your Experian account won't erase your credit report. It remains accessible to lenders and authorized parties under legal regulations.

  • Refund Potential: If you have a paid subscription, check your agreement for cancellation policies. You might be eligible for a prorated refund if you cancel within a specific timeframe.

  • Download Essentials: Before closing your account, download any crucial information you might need, like past credit reports or alerts.


How do I cancel my Experian complete ID?

Cancelling your Experian Complete ID can be done through a few different methods:

Online:

  1. My Account: This is the simplest way. Log in to your Experian Complete ID account and navigate to your "Account Settings" or "Billing" section. Look for the option to "Cancel Membership" or "Close Account." Follow the prompts and confirm your cancellation.

  2. Contact Form: If you can't find the cancellation option directly, you can use the Experian Complete ID contact form: https://www.completeid.com/ Simply choose "Membership" as the topic and explain your request to cancel. They'll get back to you with instructions.

Phone:

  1. Customer Service: You can call Experian Complete ID customer service at 1-855-591-0202. Inform them of your desire to cancel your membership and follow their instructions.


How do I delete my free Experian account online?

Deleting your free Experian account online is a quick and easy process! Here's how you can do it:

  1. Head to your Experian account: Go to the Experian website and log in to your account if you haven't already.

  2. Navigate to "My Subscriptions": Once you're logged in, look for the "My Subscriptions" section. This might be located under your account settings, profile dashboard, or similar menus.

  3. Select "Close my Experian account": Within "My Subscriptions," you should find an option to "Close my Experian account" or "Deactivate account." Click on this button.

  4. Confirm your choice: You'll likely be prompted to confirm your decision to delete your account. Simply follow the on-screen instructions and reconfirm your choice.

And that's it! Your free Experian account will be deactivated, and you will no longer receive emails or have access to its features.


Can I ask Experian to delete my data?

While Experian doesn't offer complete deletion of your data as it's subject to legal requirements and regulations, you do have certain rights regarding your information under the Fair Credit Reporting Act (FCRA) and other privacy laws. Here's a breakdown of your options:

1. Dispute inaccurate information: You have the right to dispute any errors or inaccuracies in your credit report. Experian must investigate your claim and correct any mistakes. You can initiate a dispute directly through your Experian account, by mail, or by phone.

2. Opt out of marketing: You can opt out of receiving marketing materials from Experian and its partners. This won't affect your credit report or score, but it will stop you from receiving promotional emails and offers. You can opt out online through your Experian account or by calling customer service. 

3. Freeze your credit: You can place a freeze on your credit report, which will prevent lenders and other creditors from accessing it. This can help protect you from identity theft and fraud. You can freeze your credit report online through your Experian account or by calling customer service. 

4. Place a fraud alert: If you've been a victim of identity theft, you can place a fraud alert on your credit report. This will make it more difficult for thieves to open new accounts in your name. You can place a fraud alert online through your Experian account or by calling customer service. 

5. Submit a Data Subject Access Request (DSAR): Under the European Union's General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), you have the right to request a copy of the personal data Experian holds about you and to request its deletion. However, Experian may not be able to delete all of your data due to legal requirements. You can submit a DSAR through Experian's website or by contacting their customer service.

It's important to note that deleting your Experian account won't necessarily delete your data. Your credit report will still be available to lenders and other authorized parties under the law.


How long does it take for Experian to remove an account?

The time it takes for Experian to remove an account from your credit report depends on the type of account and the circumstances surrounding its removal:

Positive Accounts:

  • Closed accounts in good standing: These typically remain on your report for 10 years after the closure date.

  • Paid-off collections: These will be removed seven years after the original delinquency date, not the payment date.

Negative Accounts:

  • Delinquent accounts: These will stay on your report for seven years after the original delinquency date, even if you eventually bring the account current.

  • Bankruptcies: Chapter 7 bankruptcies generally remain on your report for 10 years, while Chapter 13 bankruptcies typically stay for seven years.

Special Cases:

  • Medical debt: As of July 1, 2023, medical collections under $500 won't be included on your Experian credit report. Existing medical collections under $500 will be automatically deleted within a year.

  • Identity theft: If you're a victim of identity theft, Experian will remove fraudulent accounts from your report once verified.


How do I delete my address with Experian?

Deleting an address from your Experian report isn't straightforward deletion, but you have options depending on the situation:

Incorrect Address:

  • Dispute the address: If the address is inaccurate, you can file a dispute directly through your Experian account, by mail, or by phone. Explain the error and provide proof of your correct address. Experian will investigate and remove the incorrect address if they find your claim valid.

  • Contact the creditor: If the incorrect address is associated with a specific creditor account, contacting them directly might be faster. They can update their records and report the correction to Experian.

Outdated Address:

  • Update your Experian account: Log in and navigate to your profile settings. Update your current address information. Experian will receive the updated information and reflect it on your report.

  • Contact Experian customer service: You can call them at 1-888-397-3742 and explain your situation. They can help you update your address information manually.


Is it hard to cancel Experian?

Cancelling your Experian account doesn't have to be hard! The difficulty level depends on the type of account you have and your preferred method:

Free Account:

  • Easiest: Online through "My Subscriptions" in your Experian account, just click "Close my Experian account."

  • Alternatives: Phone call or written request to Experian customer service.

Paid Subscription:

  • Online: Many subscriptions offer cancellation options within your account settings.

  • Phone call: Contact Experian customer service at 1-888-397-3742 to request cancellation.

Overall:

  • Cancelling is generally straightforward, taking under 5 minutes online or a quick phone call.

  • Remember to download any important information like credit reports before closing your account.


Cancel Experian and your other unused Subscriptions fast


Download the Little Birdie app for managing your subscriptions today and start taking control of your subscriptions! The app is free and easy to use. You'll be glad you did. Here are some additional benefits of using Little Birdie:


  • Save money: Little Birdie can help you find and cancel unwanted subscriptions, which can save you money.

  • Peace of mind: Little Birdie can help you stay on top of your subscriptions, so you don't miss any important renewal dates or price changes.

  • Convenience: Little Birdie makes it easy to track and manage your subscriptions in one place.




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