How to Cancel Your Account

Steps to Cancel Your Trial Subscription to

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If you've enrolled in a trial credit monitoring subscription through and you've entered your credit card number, you'll have to cancel within 9 days of placing your order (which includes a potential 48-hour order processing and 7-day trial period) to avoid being charged the full monthly or annual subscription fee.

In 2010, a law passed requiring certain disclosures from companies who provide free credit reports.

In 2010, a law passed requiring certain disclosures from companies who provide free credit reports.

Call to Cancel

If you're enrolled in a subscription service from, you can cancel by calling customer care at 1-855-962-6943. Once you place the call, let the customer service representative know you want to cancel your account.

Canceling may not be as easy as signing up. Expect the customer service representative to ask why you want to cancel your account and you can give them the reason, e.g. you just wanted the free credit report. Next, the customer service representative will probably try to talk you into continuing your membership and may even offer you a discount on the monthly rate. Insist your account be cancelled and finally your request will be processed. Make sure you write down the date and time of the call for your records.

Once you cancel, you should receive an email confirming your account cancellation. Save this email or print and file it in case you need to reference it in the future. If you don't receive a confirmation email, call customer service again to confirm your account has been cancelled.

Continue to watch your credit card billing statement to make sure you are not charged for the service the next month.

If you've enrolled in a subscription service through a mobile app, you'll have to cancel your subscription directly through Apple or Google customer care. Monitor your iTunes or Google Play account to be sure you're not being charged after cancellation.

Will I Receive a Refund?

If you're an annual subscriber and cancel within 180 days of when you were billed, you can receive a prorated refund of your annual membership fee.

Monthly subscribers who cancel after the free trial or in the middle of the monthly billing period won't receive a refund of any fees. Your membership will terminate at the end of the monthly billing term.

If you want to deactivate your account completely and no longer use the free service, you can also call customer care at 1-855-962-6943. You can also login to your online account to deactivate your account completely.

According to the Terms of Service as of June 2020, if you're a monthly subscriber and you cancel your account, you'll automatically be enrolled in the free credit report service. This service gives you access to your Experian credit report either online or through the mobile app. Your Experian credit report through is updated every 30 days.

Get a Free Credit Report No Strings Attached

There are several ways to get a truly free credit report, without having to give up your credit card number, or cancel a subscription within a few days.

  • You can get your annual free credit report granted by Federal law through Here you can access your credit reports from each of the three major credit bureaus.
  • now offers a free credit report and free credit score for your TransUnion and Equifax credit reports with no credit card required.
  • offers free credit report and credit score based on Experian credit report data.
  • Some states have laws allowing additional free annual credit reports.
  • Federal law gives you the right to a free credit report in a few other situations, like when you've been turned down for credit or you're unemployed and planning to look for a job soon.

Article Sources

  1. "Terms of Use Agreement." Accessed June 25, 2020.

  2. Federal Trade Commission. "FTC Amends Free Credit Reports Rule to Help Consumers Steer Clear of Free Offers That Cost Money." Accessed June 25, 2020.

  3. "" Accessed June 25, 2020.

  4. Franshone Winn. "How to Make Your Credit Card Rights Work for You." Booktango, 2012.

  5. Consumer Financial Protection Bureau. "How Do I Get a Copy of My Credit Reports?" Accessed June 25, 2020.