You can cancel an Equifax membership in a few minutes: sign in to your myEquifax account and choose Cancel Subscription, or call Equifax at 1-866-640-2273.1Equifax. How Do I Cancel My Product Before you do, check whether a credit lock is tied to your plan and decide what protection you want in its place.
Cancel Online Through myEquifax
The fastest route is the member portal. Log in at my.equifax.com, click your name in the top right, select My Account, and choose Cancel Subscription.1Equifax. How Do I Cancel My Product The system asks why you’re leaving before it shows a final confirmation screen. Take a screenshot of that screen and save the reference number. You’ll want it if a charge shows up later.
Expect a retention offer along the way, often a discount or a free month. You don’t have to accept anything. Keep clicking through until the status changes and the confirmation appears.
Cancel by Phone
Equifax runs a dedicated cancellation line at 1-866-640-2273, Monday through Friday 9 a.m. to 9 p.m. Eastern and Saturday and Sunday 9 a.m. to 6 p.m. Eastern.2Equifax. Equifax Contact Information and Helpful Links The general customer care number is 1-888-378-4329.1Equifax. How Do I Cancel My Product
Have your full legal name, the email on the account, and your member ID or the last four digits of the payment card on hand. The agent will verify your identity and will probably pitch a discount. A firm “I’d like to proceed with the cancellation” ends that quickly. Ask for a confirmation number before you hang up.
Cancel by Mail
If you want a paper trail, write to:
Equifax Information Services LLC
P.O. Box 105139
Atlanta, GA 30348-51393Equifax. After a Relatives Death, Do I Need to Contact Each Nationwide Credit Bureau
Include your full name, current address, the email on file, your member ID or account number, and a plain statement that you want to cancel. Send it certified mail with a return receipt. The receipt gives you a dated proof of delivery that’s hard to argue with if a charge appears afterward.
If You Subscribed Through an App Store
Canceling on the Equifax site or by phone will not stop your charges if you originally signed up through the Apple App Store or Google Play. Those subscriptions are billed by the platform, not by Equifax.
On iPhone or iPad, open Settings, tap your name, tap Subscriptions, find Equifax, and tap Cancel Subscription.4Apple. If You Want to Cancel a Subscription From Apple On Android, open the Google Play Store, tap your profile icon, go to Payments and Subscriptions, select Equifax, and tap Cancel Subscription. Deleting the app does not cancel the subscription.
Place a Free Security Freeze Before You Cancel
If your plan includes a credit report lock, that lock is bundled with the paid product. Canceling can turn it off and leave your Equifax report open to lenders and other permissible users.5Equifax. Whats the Difference Between a Credit Report Lock and a Security Freeze
A security freeze gives you the same core protection at no cost under federal law, but it’s a separate tool from a lock, and you can’t have both active on your Equifax file at the same time.5Equifax. Whats the Difference Between a Credit Report Lock and a Security Freeze Place the freeze first so there’s no gap. Equifax must activate an online or phone freeze request within one business day.6FTC. Starting Today, New Federal Law Allows Consumers to Place Free Credit Freezes and Yearlong Fraud Alerts
What Refund to Expect
Whether money comes back depends on the plan:
- Annual prepaid plans: Equifax refunds the portion based on your original purchase price and the number of full unused months remaining. There are no partial-month refunds.7Equifax. What Is Your Product Refund Policy
- Monthly plans: cancellation is scheduled for the end of your current billing cycle. You keep access until that date and won’t be charged again, but you won’t get a refund for the current month.8Equifax. What Is Your Product Cancellation Policy
- One-time report purchases: no refund, since the report was already delivered.7Equifax. What Is Your Product Refund Policy
For annual plans, the effective cancellation date tracks your original purchase date. Buy on the 15th, and cancellation lands on the next 15th. If your purchase date was the 29th, 30th, or 31st and that date doesn’t exist in the cancellation month, it moves to the last day of that month.8Equifax. What Is Your Product Cancellation Policy
Confirm It Actually Went Through
Look for a confirmation email with a reference number and effective date. Log back into myEquifax and check that your subscription status reads Canceled or Pending Cancellation instead of Active. If it still shows Active a couple of business days later, call 1-866-640-2273 with your reference number and press for an escalation.2Equifax. Equifax Contact Information and Helpful Links
Watch your bank or credit card statements for the next two billing cycles. If a charge posts after the confirmed cancellation date, your reference number and screenshots support a chargeback with your bank. A certified mail receipt does the same job if you canceled by letter.
Free Tools After You Cancel
You still have free access to your credit information. AnnualCreditReport.com gives you a free report from each of the three major bureaus once a week, and Equifax is providing six additional free reports per year through 2026 on the same site.9FTC. Free Credit Reports
A security freeze covers the same protection ground as a paid credit lock at no cost. The trade-off is speed: a lock toggles instantly through an app, while lifting a freeze can take up to one business day. If you rarely apply for new credit, that difference costs nothing, and canceling a subscription that runs roughly $10 to $35 a month puts real money back in your pocket.