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Checked 28 October 2026

How to cancel SmartCredit

ConsumerDirect, Inc. sells SmartCredit in the US, from Irvine, California. You can cancel it yourself, or hand it to us for a small fee and stop thinking about it.

We cancel it for you

$14.95once

Hand it off. Forget about it.

Give us two minutes of details and it is off your plate. We deal with SmartCredit so you don't have to.

  • No logging in, no support chats, no hold music
  • We email and post the notice, then chase SmartCredit until they confirm
  • Dated proof of delivery, in case they ever charge you again
  • Your money back if SmartCredit never cancels
Cancel SmartCredit for me

Do it yourself

Free

Every step is on you. You will need to:

  • Research all the details on how to cancel
  • Find the cancel option in your account
  • Finish every screen until it says done
  • Follow through until you get refunded
See the steps

Your notice

Have us cancel SmartCredit

Fill out one short form. We mail an official termination letter to SmartCredit's verified address, email it to them too, and follow up until it's cancelled.

US addresses only for now.

  • No subscription
  • No account needed
  • Satisfaction guaranteed

Your cancellation notice

ConsumerDirect, Inc.2983 Michelson Dr.Irvine, CA, 92612USA

Formal notice of cancellation

Dear Sir or Madam,

I am writing to give formal notice that I am cancelling the SmartCredit subscription held in my name, effective from the date of this letter.

Account details

Name
[Full name]
Address
[Address]
Email
[Email address]

Please treat this as written notice under your terms of service. Stop all further billing from this date and remove any stored payment details.

Please confirm the cancellation in writing to the email above, and erase the personal data you hold on me where you have no lawful basis to keep it.

Yours faithfully,

[Full name]

Do it yourself

Cancel SmartCredit yourself

TLDR: Use the cancel link in the account, because they do not accept email for member questions. Cancelling stops further charges right away, and the FAQ does not say a fee already charged is refunded.

Cancel in the account

You can still sign in.

  1. 01Log in to your SmartCredit account.
  2. 02Use the cancel link. The FAQ says you may cancel the membership there.

The FAQ says cancelling stops any further charges right away, with no further cost. They do not accept email for member questions. Use the Contact Us form inside the account.

How to know it worked

  • A cancel stops additional charges immediately.
  • The FAQ says there is no further obligation or cost after you cancel.
  • Texting STOP stops texts. It does not cancel the membership.

Watch out for

  • The company terms cover SmartCredit and other ConsumerDirect sites. Notices under those terms go by email to notices@consumerdirect.com, not by mail.
  • The published office is 2983 Michelson Dr., Irvine, CA 92612. The terms also list 714-431-0005 and info@consumerdirect.com.
  • Some memberships include $1 million identity-fraud insurance, with no deductible, for the household. Not every membership has it. The insurer is Voyager Indemnity Insurance Company, under a policy issued to ConsumerDirect, Inc.
  • Scores on a one-bureau update are Vantage 3.0. A personal update of your report is not a hard inquiry.

SmartCredit refunds

  • The FAQ says a cancel leaves no further cost. It does not say a fee already charged is refunded.

Sources · checked 28 October 2026

If it did not work

No confirmation email? Then it didn't happen.

Our letter comes with a receipt. This is when it is worth having us do it.

Have us cancel SmartCredit

  • You cannot log in, or do not remember the email

    The notice goes to SmartCredit in your name and address. No login, no password.

  • You sent an email and the membership stayed on

    The notice is the cancel in the account. The FAQ says they do not accept email for member questions.

  • You were charged after cancelling

    The dated notice and proof of delivery are what your bank asks for when you dispute the charge.

  • You would rather not chase support

    We post and email the notice, then follow up with SmartCredit until they confirm. If they never do, you get your money back.

What happens next

Two minutes from you. We do the rest.

These are the real emails from one cancellation. 15 days from form to their confirmation.

Our email saying the letter has been delivered, with a four-step progress bar
Our update, Oct 6
The company's email confirming the account has been cancelled and no further charges will be made
Their reply, Oct 8
  1. Sep 23

    Requested

    “Your VS cancellation is with us.”

  2. Sep 28

    Printed

    “Your VS letter is being printed.”

  3. Sep 28

    Shipped

    “Your VS letter is in the post.”

  4. Oct 6

    Delivered

    “Your VS letter has been delivered.”

  5. Oct 8

    Confirmed by VS

    “Your VS account has been cancelled successfully.”

Every email is dated. If they don't reply, we follow up. If a charge appears later, this is the record your bank will ask for.

Cancelling SmartCredit

What people ask about SmartCredit.

How do I cancel SmartCredit?

Log in and use the cancel link. The FAQ says that stops further charges right away, with no further cost. They do not take member questions by email.

Does STOP cancel it?

No. STOP only stops text messages. The membership cancel is in the account.

Can you cancel SmartCredit without me logging in?

Yes. The notice goes to SmartCredit in writing, so it does not depend on you reaching a cancel button inside your account. A lost password or a locked account does not stop it.

Does the letter ask them to delete my data?

Yes. It asks the company to erase the personal data it holds on you where it has no lawful reason to keep it, and to confirm in writing once it has.

Also cancelled here

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