If you've enrolled in a trial credit monitoring subscription through FreeCreditReport.com 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.
Whether you forget to cancel in time, or you enrolled in their services and have changed your mind, learn how to cancel your subscription.
Call to Cancel FreeCreditReport.com
If you're enrolled in a subscription service from FreeCreditReport.com, 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 FreeCreditReport.com account.
Canceling may not be as easy as signing up. Expect the customer service representative to ask why you want to cancel your account. Tell them why—for example, you just wanted the free credit report.
Next, the customer service representative will probably try to talk you into continuing your FreeCreditReport.com membership, and they may even offer you a discount on the monthly rate.
Insist your account be canceled, 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 FreeCreditReport.com, 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 canceled.
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.
In 2010, a law was passed that requires certain disclosures from companies that provide free credit reports.
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 call customer care at 1-855-962-6943. You can also login to your online account to deactivate it.
According to the FreeCreditReport.com Terms of Service, 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 FreeCreditReport.com 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 AnnualCreditReport.com. Here, you can access your credit reports from each of the three major credit bureaus.
- CreditKarma.com now offers a free credit report and free credit score for your TransUnion and Equifax credit reports, with no credit card required.
- CreditSesame.com offers a free credit report and credit score based on Experian credit report data.
- Some states, such as Georgia, 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 when you're unemployed and plan to look for a job soon.