How Do I Cancel Equifax Membership?

Your Equifax plan and billing cycle show on the Account → Membership page after you sign in; look for the plan label (Credit Monitoring, Identity Protection, etc.) and the frequency listed as monthly, quarterly, or annual, plus the next renewal date.

Knowing these details lets you time the cancellation to avoid another charge and makes it easy to reference the correct recurring charge when you call, block the payment, or capture proof later (see the Equifax membership details page for an example layout).

Log into your Equifax member portal and cancel the plan directly from the online dashboard. The site processes the request instantly and emails a confirmation.

1. Click 'Sign In' on the Equifax homepage.
2. Enter your username and password, then select 'My Account'.
3. Open the 'Membership' or 'Subscription' tab.
4. Press 'Cancel Membership' and confirm by clicking 'Yes, Cancel'.
5. Record the on‑screen confirmation number and take a screenshot.
6. Open the confirmation email; it lists the cancellation effective date.
7. Review the 'Billing History' page to ensure no future charges appear.

If you subscribed to an Equifax membership via the Apple App Store or Google Play, cancel it directly in the store's subscription settings so the plan stops renewing and no further recurring charges hit your account.

Call Equifax at 1‑800‑685‑1111 and recite the cancellation script below.

• Have your membership ID, billing cycle date, and the last four digits of the payment card ready.
• When the agent answers, say: 'I want to cancel my Equifax membership effective immediately, stop all recurring charges, and receive written confirmation.'
• If the agent asks why, reply: 'I no longer need the service' and request that the cancellation be processed before the next billing cutoff.
• Ask for a confirmation number, the representative's name, and an email copy of the cancellation notice; note them for the 'collect confirmation numbers' section later.

Use a pre‑written email or live‑chat script to request cancellation and you'll skip the hold‑music maze. Include your Equifax account number, the exact membership name, and the next billing cycle date; ask for an immediate stop to recurring charges and a written confirmation.

Here's a concise template that works for both channels:

Subject: Equifax Membership Cancellation Request - Account #12345678
Body:
'Hello, I want to cancel my Equifax membership effective immediately. My next billing cycle starts on 03/15/2025, so please halt all recurring charges after that date. Send me a cancellation confirmation and a reference number. Thank you.'

Paste this into the chat window on the Equifax customer support contact page or send it to [email protected]. Capture the reply screenshot for proof.

Call your bank and request they block Equifax recurring charges. This stops future debits while you finish the cancellation process described earlier.

• Locate the most recent Equifax transaction on your statement (date, amount, merchant name).
• Call the bank's customer‑service line or use its secure messaging portal.
• State clearly: 'Please block any recurring charges from Equifax and remove the merchant from my automatic payment list.'
• Provide the transaction details and, if asked, the Equifax account number you're cancelling.
• Ask for a confirmation reference number and the date the block will take effect.
• Verify that the block appears in your online banking dashboard before the next billing cycle.

Once the bank confirms the block, monitor the following statement to ensure no new Equifax debits appear, then proceed to the section on cancellation timing and billing cutoffs.

Equifax requires at least a 30‑day cancellation notice before the next billing date; cancelling later means the current cycle will be charged and refunds are not guaranteed.

To meet the cutoff, subtract 30 days from your recurring charge date. For example, if your membership renews on the 20th of each month, you must submit the cancellation by the 20th of the preceding month to avoid the upcoming charge.

Review the exact notice period for your plan in the Equifax subscription terms or contact customer support, because some plans specify a longer window and only the agreement defines the final deadline.

Grab the cancellation confirmation number and a screenshot of the final screen right after you cancel your Equifax membership. The proof protects you when you verify billing cuts off (section 7) and when you request a refund (section 9).

1. Record the confirmation number - Immediately after the cancellation form submits, Equifax displays a reference code. Write it down, copy it into a note app, and also check the confirmation email for the same code.
2. Capture the screen - Press Print Screen (or use your device's screenshot shortcut) while the 'Cancellation Complete' page is visible. Include the date and the visible account details.
3. Save and organize - Rename the file to 'Equifax‑Cancel‑[YYYY‑MM‑DD]‑[code].png' and store it in a folder labeled 'Equifax Proof'. Email the file to yourself for an extra backup.
4. Log the interaction - If you called customer service (section 4) or used chat/email (section 5), note the agent's name, the time of the call, and the confirmation number in the same folder.

Having these records lets you dispute any stray recurring charge and speeds up any refund claim.

Equifax refunds any unused portion of your membership after a confirmed cancellation.

You'll receive the refund by following these steps:

• Check the last billing date shown in the 'Cancel from your Equifax online account' section; any days beyond that date qualify for a refund.
• Open a support ticket through the Equifax refund policy page or call the cancellation hotline, referencing the confirmation number you saved earlier.
• Request the specific amount owed (calculate daily rate = monthly fee ÷ 30 × unused days) and ask for the payment method used for the original charge.
• Keep the ticket ID, email receipt, or chat transcript as proof.

Refunds are processed within 5‑10 business days; the amount appears on your bank statement or credit‑card ledger shortly after.

If Equifax refuses your cancellation, file a complaint with your state consumer protection agency. Gather the confirmation number, screenshots, and any email or chat transcripts you saved in the 'collect confirmation numbers' step. Submit them through the online portal of the state consumer protection office, describe the membership, billing cycle, and recurring charges, and request enforcement of your cancellation. Agencies usually acknowledge receipt within 48 hours and may resolve the dispute in 15 - 30 days.

Alternatively, lodge a federal complaint with the FTC, which can investigate systemic violations and compel Equifax to honor the request. Use the same documentation, detail the plan and billing timeline, and file through the FTC complaint form. The FTC typically issues a case number within a day and may forward the issue to the Consumer Financial Protection Bureau for further action. Both routes create a formal record that can stop the recurring charges and trigger a refund if warranted.

Cancel a deceased or incapacitated Equifax membership by providing legal proof and a written request to Equifax's member services. Submit a death certificate, court‑issued power of attorney, or guardian‑ship paperwork along with the account holder's name, Social Security number, and your relationship. Use the same phone number or email from the 'call Equifax and use this cancellation script' section, and explicitly state you are requesting cancellation and removal of the member's personal data.

Example: Maria called 1‑800‑XXX‑XXXX, said, 'I need to cancel the Equifax plan for my father, John Smith, SSN 123‑45‑6789, who passed away on 02/14/2024.' She emailed the attached death certificate and her notarized executor letter, referencing the prior cancellation script.

Equifax confirmed the cancellation within 48 hours and stopped all recurring charges, then processed a prorated refund per the 'get a refund after you cancel' guide. For more details on required documents, see Equifax guidance for deceased or incapacitated accounts.