To cancel a TransUnion credit monitoring subscription, log into your account, open Settings, click Membership Details, scroll to the bottom, and follow the cancellation prompts. If you can’t log in, call 833-543-4353 for credit memberships or 833-570-2959 for identity protection plans. The paid Credit Premium plan costs $29.95 per month, and canceling drops your account to the free Credit Essentials tier rather than deleting it.
Identify Which Product You Have
TransUnion sells two product lines, and each has its own cancellation path and support number. Getting this wrong is the main reason people end up on hold with the wrong team.
- TransUnion Credit Memberships covers Credit Essentials (free) and Credit Premium ($29.95 per month).
- TransUnion Identity Protection is a separate product with its own dashboard and support line.
If you originally signed up for a legacy product called TransUnion Credit Monitoring, TrueIdentity, or Zendough, those services have been shut down. Your account was migrated to Credit Essentials or Credit Premium, so use the credit membership steps below.1TransUnion. Contact Us For Support
Cancel Online
Online cancellation is the fastest route for both products. You need your login credentials and a couple of minutes.
Credit Premium
Log into your TransUnion account, click Settings, then Membership Details. Scroll to the bottom of that page and follow the cancellation prompts.2TransUnion. Consumer Support – Section: Manage Your Subscriptions Your paid features do not disappear the moment you click confirm. If you cancel mid-cycle, Credit Premium stays active through the end of the current billing period, and then the account downgrades to free Credit Essentials.
Identity Protection Plans
Log into the member dashboard, open the drop-down menu in the top right corner, and select the Protection Plan tab. Click Cancel under your current plan and confirm.1TransUnion. Contact Us For Support
Cancel by Phone
If you can’t get into your account or would rather speak to someone, call the number that matches your product.
- Credit Memberships: 833-543-4353. Monday through Friday, 8 a.m. to 10 p.m. ET; Saturday and Sunday, 8 a.m. to 5 p.m. ET.3TransUnion. TransUnion Credit Memberships Help Center
- Identity Protection: 833-570-2959. Monday through Friday, 8 a.m. to 8 p.m. ET; Saturday and Sunday, 9 a.m. to 7 p.m. ET.1TransUnion. Contact Us For Support
Both lines close on federal holidays. Before you hang up, ask the agent to confirm the cancellation and send a confirmation email. Keep that email. It is your proof if a charge shows up later.
If You Subscribed Through Apple or Google Play
This one trips people up. If you signed up through an app store, TransUnion cannot cancel the subscription for you. The billing relationship is with Apple or Google, so charges will keep going through until you turn them off at the source, even if you cancel inside the TransUnion website or app.
- On iPhone or iPad, open Settings, tap your name, select Subscriptions, tap the TransUnion membership, and choose Cancel Subscription.
- On Android, open the Google Play Store, tap the menu icon, go to Payments & subscriptions, then Subscriptions, find TransUnion, and select Cancel subscription.
After you cancel through the app store, log into TransUnion separately and confirm your account status has updated. Save the app store confirmation email as well.
What Happens After You Cancel
Canceling Credit Premium does not close your TransUnion account. It downgrades to free Credit Essentials, which still gives you basic access to your TransUnion credit report and score. If a Credit Premium payment fails, TransUnion sends email reminders and dashboard notifications; if the payment is not received within 21 days, the account automatically downgrades to free.3TransUnion. TransUnion Credit Memberships Help Center
One worry you can set aside: canceling credit monitoring has no effect on your credit score or credit report. Monitoring is a read-only service. It watches your file and sends alerts. It does not add or remove anything, and your score is calculated the same way whether you pay for monitoring or not.
Check your bank or credit card statements for at least two billing cycles after canceling. If a charge slips through, your confirmation email is what you need to dispute it with your card issuer.
Deleting Your Account Versus Canceling
Canceling stops the recurring charge. Deleting your account removes the personal data TransUnion stores for your online profile. These are different actions, and most people who just want to stop paying do not need to delete anything. Credit report data cannot be removed through this process; corrections to your credit report go through a separate dispute.4TransUnion. Consumer Privacy Rights
If you do want your data deleted, TransUnion offers three routes:
- Online through a TransUnion Service Center account, where you can track status and get confirmation by email.
- By phone at 866-310-8783, Monday through Friday, 8 a.m. to 9 p.m. ET, and Saturday and Sunday, 8 a.m. to 5 p.m. ET.
- As a guest without logging in, with responses mailed to you.4TransUnion. Consumer Privacy Rights
Your Right to a Simple Cancellation
The FTC’s Negative Option Rule at 16 CFR Part 425 requires any company selling an auto-renewing subscription to offer a cancellation method at least as simple as the signup method. Sign up online, and the company must let you cancel online. Sign up by phone, and phone cancellation must be available. The company cannot force you through a live agent or chatbot if you never dealt with one to enroll.5eCFR. 16 CFR 425.6 – Simple Cancellation (“Click to Cancel”) If a service makes cancellation unreasonably difficult, you can file a complaint with the FTC.6Federal Trade Commission. 16 CFR Part 425 – Rule Concerning Recurring Subscriptions and Other Negative Option Programs