Experian Business Credit at SmartBusinessReports.com offers business credit reports and scores that you can buy as single reports or through subscriptions. They have a main subscription called Business Credit Advantage, which costs $199 a year and gives unlimited access to one company's credit report along with alerts and monitoring features. They also provide specialized plans for credit professionals and single reports for various levels of detail. If you're seeing a charge from them, it's likely for one of these subscriptions or a single report purchase that helps businesses monitor credit information and alerts.
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Multiple consumer reviews indicate that canceling Experian Business Credit subscriptions involves long wait times on the phone, frequently over 2 hours, with no online cancellation option. Some users report tactics like pressing random keys to reach a representative more quickly, but overall the process is consistently difficult and time-consuming due to lack of online cancellation and limited customer service.
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minutes to cancel a Experian Business Credit subscription.
How to Cancel Experian Business Credit: Step by Step
If you purchased through SmartBusinessReports.com:
- Log into your account on smartbusinessreports.com.
- Navigate to the 'Help / Contact Us' section located at the top of the page.
- Select the option to submit a cancellation request for your subscription.
- Provide any required information, such as your account details and the reason for cancellation.
- Confirm your cancellation through any follow-up emails or notifications from SmartBusinessReports.
- Alternatively, you can email ExperianSubscriptionBilling@SmartBusinessReports.com or Helpdesk@SmartBusinessReports.com to request cancellation directly.
Tips & Tricks for Canceling Experian Business Credit
- Call Experian directly at the cancellation number (1-866-960-6943 or 0800 561 0083/0344 481 0800 in the UK) as online cancellation is often non-functional or intentionally difficult.
- Have your personal details ready: name, email address linked to the account, customer number, and sometimes date of birth and address, to verify your identity swiftly during the call.
- Be persistent with phone calls, even if you face long hold times, disconnections, or confusing automated answers. Multiple attempts may be necessary.
- Request email confirmation of your cancellation immediately after the call for proof.
- Use a separate debit or prepaid card with limited funds to sign up initially if possible, to limit potential unwanted charges and simplify disputes.
- Send a written letter withdrawing authorization for billing (via mail or fax) if you want to stop charges on your credit or debit card method, especially useful for AMEX users.
- Attempt cancellation via the Experian Android app if the website cancellation interface is blank or non-functional.
- Start a dispute process on their dispute page to try triggering cancellation prompts, though this method has mixed success.
- If enrolled in a free trial, cancel within the 7-day period to avoid automatic conversion to a paid monthly membership ($24.99/month).
- Understand that Experian may automatically update payment details via Continuous Payment Authority, so cancelling requires explicit confirmation with Experian.
- Freeze or unfreeze your credit (switching a paid credit lock to a free security freeze) using email confirmations could be a way to reduce paid membership charges.
- File complaints with consumer protection agencies like the Consumer Financial Protection Bureau for unresolved cancellation or billing issues.
Experian Business Credit Customer Service Info
If you need assistance, here's how you can get in touch with Experian Business Credit's support team.
Cancel Experian Business Credit Script
Script
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Dear Experian Business Credit Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription. After careful consideration, I have decided to discontinue my service due to budgetary constraints at this time.
I appreciate the service provided and thank you for your understanding. Please confirm the cancellation of my membership at your earliest convenience.
Best regards,
Frequently Asked Questions
Experian Business Credit through smartbusinessreports.com allows subscription cancellations by submitting a request via the 'Help / Contact us' section on their website. Annual subscription plans automatically renew unless canceled at least 3 days before the renewal date; cancellations within the first 30 days of an annual plan may qualify for partial or prorated refunds depending on the plan type, but no refunds are given after 30 days. Notifications about renewals and any pricing changes are emailed approximately 30 days in advance.
To cancel your Experian Business Credit (Business Credit Advantage) subscription on smartbusinessreports.com, you need to contact Experian through their "Online request form" found on the Contact Us page. They ask that you include details about why you want to cancel. Importantly, it appears you do not need your password to cancel the subscription, as no login or password is mentioned as a requirement for cancellation. If you do need to reset your password for other reasons, you can do so via their login page, but it's not required for cancellation.
- Undisclosed or unclear monthly charges after free trial or $1 report offers
- Difficulty or impossibility cancelling subscription due to poor customer service, fake phone numbers, or lack of online cancellation options
- Misleading advertising regarding free trials and membership benefits
- Unexpected multiple charges or inflated billing amounts
- Inaccurate credit data causing loan denials or financial issues
- Poor dispute resolution processes and denied refund requests
- Frustration with aggressive retention tactics by representatives trying to prevent cancellation
- Lack of clear communication about billing changes and cancellation policies
- Concerns over ethical business practices and accusations of scams
Experian Business Credit subscriptions typically have automatic annual renewals that will charge your card unless you cancel before the renewal date, with cancellation requests needing to be submitted through their 'Help / Contact us' section. If you try to cancel an annual plan after the first 30 days, you will not receive any refund, and partial refunds are only available within the first 30 days with certain deductions. There are no early cancellation fees stated, but the automatic renewal and the limited refund window are key landmines to be aware of to avoid unwanted charges.
Before cancelling your Experian Business Credit subscription (such as Business CreditScore Pro or Business Credit Advantage), know that you must contact Experian via their "Contact us" link to stop future subscription renewals. After cancellation, you will continue to have access to updated reports and email alerts only until the current subscription period ends or usage limits are reached. Once the subscription period fully ends, you will lose access to any further subscription reports, updates, and email alerts. It's important to note that cancellation is not immediate and requires giving a reason for cancellation when contacting Experian.
- Name of the subscription or service you wish to cancel (e.g., Business Credit Advantage, Business CreditScore Pro)
- Account holder's full name
- Business name associated with the account
- Email address used for the account
- Contact phone number (if applicable)
- Reason for cancellation
- Account number or reference number (if available)
- Billing address or business address (to verify identity if required)
- Confirmation that you are authorized to manage the account (if requested)
We've actually written a step by step guide on how to get a refund from Experian Business Credit. Check it out!
The Easiest Way to Cancel Experian Business Credit
If you’re frustrated trying to cancel your subscription, membership, or bill from Experian Business Credit—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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