What is the EXPERIAN* charge on my bank statement?

The EXPERIAN* charge is a billing from Experian for a paid service such as Experian CreditWorks, IdentityWorks, or another credit monitoring subscription you enrolled in.

Why does the charge say EXPERIAN* instead of just Experian?

The asterisk in EXPERIAN* is a standard merchant descriptor formatting used by Experian's payment processor to identify digital or subscription-based billing on card statements.

Can I get a refund on an EXPERIAN* charge?

Experian may offer a refund if you were billed after canceling or were unaware of a trial conversion. Contact Experian at 1-888-397-3742 to request a refund review.

How do I cancel my Experian subscription to stop the charges?

Log into your Experian account at Experian.com, navigate to 'Membership,' and select 'Cancel Membership.' You can also call 1-888-397-3742 to cancel over the phone.

How do I stop future EXPERIAN* charges from appearing?

Cancel your Experian subscription before the next renewal date, confirm the cancellation via email, and monitor your statement to ensure no further EXPERIAN* charges appear.

Home›Browse Charges›Finance›EXPERIAN*

EXPERIAN* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "EXPERIAN*" charge is from Experian. Experian credit monitoring subscription.

🌍 US🕐 7 min read📅 Updated May 22, 2026

Experian

Experian credit monitoring subscription.

EXPERIAN*

Why this shows on your statement

When Experian processes monthly billing for its credit monitoring subscription, the company uses a truncated descriptor format that combines its brand name with an asterisk, resulting in "EXPERIAN*" appearing on your bank statement rather than the full company name. The asterisk is a standard delimiter used by payment processors to separate a merchant's name from additional transaction details like a product line or account identifier, and Experian's billing system follows this convention across its subscription services. If you're seeing a $24.99 monthly charge listed as EXPERIAN* on your statement, it almost certainly reflects an active Experian credit monitoring plan you enrolled in through the company's website or a partner promotion.

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What should you do?

Confirm Your Experian Subscription

Log in to your account at experian.com to verify that you have an active credit monitoring subscription. The EXPERIAN* charge on your statement corresponds to this service, so checking your account will confirm the billing amount and date match what you signed up for.

Review Your Experian Plan Details

Once logged in to experian.com, navigate to your membership or subscription section to see exactly which Experian plan you are paying for. This will help you confirm whether the charge amount matches your selected tier, such as a basic free trial upgrade or a premium credit monitoring package.

Check If You Still Need the Service

Consider whether you are actively using the Experian credit monitoring features you are being charged for, such as credit score tracking, identity theft alerts, or dark web monitoring. If you are not using these features, the recurring EXPERIAN* charge may not be worth keeping.

Cancel If Unwanted

If you no longer want the Experian subscription, visit experian.com/consumer-products to manage or cancel your membership. Canceling through this page will stop future EXPERIAN* charges from appearing on your bank statement, and you should receive a confirmation email once the cancellation is processed.

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How to cancel Experian

Experian bills you Monthly. To stop future charges, cancel from your account directly.

Cancel at Experian

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Should you be worried?

No, this is a legitimate charge from Experian. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

Is the EXPERIAN* Charge Legitimate or Fraud?

An EXPERIAN* charge on your bank or credit card statement is typically a legitimate billing from Experian, one of the three major U.S. credit bureaus. Experian offers paid services such as credit monitoring, identity theft protection, and credit score access, which appear as EXPERIAN* on statements. However, if you don't recall signing up for any Experian service, it's worth investigating further.

Experian charges for premium credit monitoring subscriptions (e.g., Experian CreditWorks℠)
Free trial sign-ups that converted to paid plans often appear as EXPERIAN* charges
Identity theft protection plans billed monthly or annually by Experian
Unauthorized use of your card to sign up for Experian services by a third party

How to Verify the EXPERIAN* Charge

1
Log into your Experian account
Visit Experian.com and sign in to check your active subscriptions and recent billing history for any charges matching EXPERIAN* on your statement.
2
Search your email for Experian receipts
Search your inbox for emails from Experian (noreply@experian.com or billing@experian.com) confirming a subscription or free trial that may now be billing as EXPERIAN*.
3
Check with household members
Ask family members or anyone with access to your card if they signed up for an Experian credit monitoring or identity protection service using your payment details.
4
Review your subscription services
Check apps or platforms like Rocket Money or your phone's subscription manager for any active Experian plans you may have forgotten about.
5
Contact your bank for details
Ask your bank for the full merchant descriptor and transaction ID associated with the EXPERIAN* charge to help pinpoint exactly which Experian service was billed.

How to Dispute a EXPERIAN* Charge

1
Act within 60 days
Credit card disputes for unauthorized EXPERIAN* charges should be initiated within 60 days of the statement date to fall within standard chargeback protection windows.
2
Contact Experian directly first
Call Experian's customer support at 1-888-397-3742 or use their online chat to request a refund or cancellation before escalating to a bank dispute for the EXPERIAN* charge.
3
File a chargeback with your bank
If Experian does not resolve the issue, contact your bank or card issuer and formally dispute the EXPERIAN* charge as unauthorized or billing in error.
4
Request a new card number
If you suspect your card was fraudulently used to sign up for Experian services, ask your bank to issue a new card number to prevent further EXPERIAN* charges.

Tips for Managing Experian Charges

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Set a billing alert for EXPERIAN* charges so you're notified the moment Experian bills your account each cycle.

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Keep a record of your Experian plan name and start date to easily match it against EXPERIAN* charges on your statement.

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Regularly log into your Experian account to review active plans and ensure no duplicate or unexpected services are enrolled.

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Note your Experian billing renewal date to anticipate the EXPERIAN* charge and avoid being caught off guard by annual plan renewals.

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If you use Experian IdentityWorks, verify your coverage tier to ensure the EXPERIAN* charge matches your chosen protection level.

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Use WhatIsThisCharge.net to identify related charges that may appear alongside EXPERIAN* on your bank statement.

ℹ️ Note

In most cases, an EXPERIAN* charge is a routine, legitimate billing from Experian for a credit monitoring or identity protection subscription — often tied to a free trial that has converted to a paid plan. Logging into your Experian account is usually all it takes to confirm and manage the charge.