How to cancel Equifax

Cancel in myEquifax

You can still sign in to the paid membership.

1. 01Sign in to your myEquifax account.
2. 02Click your name in the top right corner.
3. 03Select My Account, then Cancel Subscription.

Cancel by phone

You cannot sign in, or you want Customer Care to cancel it.

1. 01Call 1-888-378-4329, the number on Equifax's cancel page, or 1-866-807-7461.
2. 02Say you want the paid membership cancelled.

The membership terms say Customer Care at 1-866-807-7461 is open from 8:00 a.m. to 3:00 a.m. Eastern Time, seven days a week. A free trial is cancelled on that same 866 number, with no charge, if you call during the trial.

Cancel by mail

You want the cancellation in writing.

1. 01Write that you want the paid membership cancelled.
2. 02Mail it to Equifax Personal Solutions, Attn: Product Cancellation, P.O. Box 105496, Atlanta, GA 30348.

The terms say a phone or written cancellation becomes effective promptly when Equifax receives it.

How to know it worked

• —Equifax says you can cancel a subscription product at any time, by phone or online.
• —You keep access until the cancellation date. For a monthly plan, that is the end of the current billing cycle.
• —For an annual plan, the cancellation date follows the day of the month you bought it. If that day does not exist in the month you cancel, it is the last day of that month.
• —A one-time credit report is not this membership. It lasts 30 days and Equifax says there is nothing to cancel.

Watch out for

• —A paid membership renews on its own, month to month or year to year, until you cancel. Equifax can change the price with notice.
• —Cancel a monthly plan before the billing date or the next month is charged. That date is the day you started, or the last day of the month if the start day does not exist.
• —Equifax's help page says you keep the product until the cancellation date. Another section of the terms says you lose access to the credit data on the site as soon as the membership is cancelled.
• —A free trial needs a payment card. It converts to a paid membership unless you cancel during the trial. Call 1-866-807-7461 during the trial and Equifax says there is no charge.
• —There is no partial-month refund on a monthly or an annual membership.

Equifax refunds

• —A monthly membership is not refunded. Equifax schedules the cancellation at the end of the billing cycle, before the next charge, and you keep access until that date.
• —An annual membership is refunded for the fully unused months, based on the original price. There is no refund for a partial month.
• —Equifax's example: buy on January 1, cancel on February 1, and the refund covers March through December. You keep the product until March 1.
• —A one-time report is not refunded once it has been delivered. That is a different product from the paid membership.