Do it yourself
Cancel ID Watchdog yourself
TLDR: Cancel a retail plan in the online account, which they say is effective immediately, or call 800-970-5182 before the next billing date. Monthly plans are not refunded and access ends that day, while annual plans are refunded for fully unused months only.
Cancel in the account
You bought a retail plan on the ID Watchdog site, not through an employer.
- 01Log in to the online account.
- 02Cancel the product.
The contact page does not name the button. It says a retail cancel is effective immediately.
Call customer care
You want a person. The line is open 24 hours a day, 7 days a week, 365 days a year.
- 01Call 800-970-5182. The terms also write it as 1-800-970-5182.
- 02Say you want the subscription cancelled before the next billing date.
How to know it worked
- A monthly plan has to be cancelled before the monthly billing date or the next month is charged. That date is the day you started, or the last day of a shorter month. If you started on January 31, cancel before February 28.
- A monthly cancel is immediate. You do not get that month back, and access ends the day you cancel.
- An annual plan is refunded for each full unused month. A cancel on February 15, if you started January 1, refunds March through December, and access ends February 15. There is no refund for a partial month.
- An employer or reseller plan is cancelled through that company. ID Watchdog can ask them to stop the payments.
Watch out for
- The membership renews on its own, monthly or yearly, until you cancel. They can update a card that is no longer valid.
- You have to be 18. Scores shown are VantageScore 3.0 unless the product says otherwise. ID Watchdog says it is not a credit-repair service.
- If you cancel while identity restoration is open, they stop that help on the cancel date. Theft you only notice after you cancel is not covered.
- The contact email is idwatchdogcustomerservice@equifax.com. The terms write it as IDWatchdogCustomerService@equifax.com.
- Written notices in the terms, including an arbitration opt-out, go to ID Watchdog, Attn.: Arbitration Opt-Out, P.O. Box 105496, Atlanta, GA 30348. That is not described as the cancel desk. The opt-out has to be within 30 days of accepting the agreement, with your name, address, and user ID.
ID Watchdog refunds
- Monthly plans are not refunded.
- Annual plans are refunded for fully unused months only.
- If ID Watchdog cancels the whole product, they give a pro-rated refund for what was not yet provided.
Sources · checked 28 October 2026
