What this variant means
The processor form of Experian, followed by the product — CreditWorks, IdentityWorks.
EXPERIAN* CREDITWORKS is Experian's paid credit-monitoring subscription, about $25/month. It usually starts as a trial taken while checking a credit score or after a data-breach scare, then renews monthly.
Why it shows up like this
Experian markets paid monitoring aggressively alongside its free offerings, and the line between 'free credit report' and 'premium trial' is easy to cross without noticing. The subscription then bills monthly under this descriptor.
Don’t recognize it? You might still
- The trial started during a one-time credit check.
- Free and paid tiers look similar; the signup path blurred them.
- A spouse checking mortgage readiness may have subscribed on the shared card.
What to do, in order
- Cancel via Experian's member support The subscription cancels by phone or online through the Experian account.
- Remember free alternatives exist Weekly free reports from all three bureaus are available at annualcreditreport.com, and free-tier score monitoring covers most needs.
- Ask for recent charges back Experian support often refunds a recent unused month on cancellation.
Quick questions
Isn't checking my credit report free?
Reports at annualcreditreport.com are free by law. Experian's paid product adds daily monitoring and alerts — that's what the $24.99 buys, whether or not you meant to buy it.
The original descriptor
This line is a variant of EXPERIAN* CREDITWORKS — read the full entry for confirmation steps, support contacts, and everything else that applies here.
Independent reference — not affiliated with Experian plc. Billing names and policies change; verify with the merchant or your bank before acting.
Reviewed Aug 3, 2026 · high · About ChargeDecoder