How to Cancel Equifax Subscription: Online or by Phone

You can cancel a paid Equifax product two ways: in your myEquifax account (click your name in the top right, then My Account and Cancel Subscription) or by calling Customer Care at 1-888-378-4329.^[1]

You keep access until the cancellation takes effect, which for a monthly plan is the end of the current billing cycle, with no refund for the partial month.^[2][3]

How to cancel Equifax online (myEquifax)

Sign in to your myEquifax account at equifax.com.
Click your name in the top right corner.
Select My Account.
Select Cancel Subscription and complete the remaining prompts.^[1]

Tip: the Manage Billing tab under My Account shows your billing date.^[4]

Equifax’s help pages don’t say whether a confirmation email follows. Take a screenshot of the final screen and note the date, so you have a record if a charge appears later.

Can you cancel Equifax by phone?

Yes. Equifax lists three Customer Care numbers, each in a different help answer:

1-888-378-4329 (1-888-EQUIFAX), in Equifax’s “How do I cancel my product?” answer.^[1]
(866) 640-2273, listed on the contact help page for canceling an existing product.^[5]
(866) 243-8181, given for canceling an annual product after a renewal charge.^[6]

Equifax’s contact page lists 9 a.m. to 9 p.m. ET Monday through Friday, and 9 a.m. to 6 p.m. ET on Saturday and Sunday.^[7] Its free-trial FAQ gives longer hours for (866) 640-2273: 8 a.m. to 3 a.m., 7 days a week.^[8] To be safe, call within the shorter hours.

Ask the agent for your cancellation effective date, the day your access ends.^[2]

When your Equifax access ends and what you get back

Canceling doesn’t cut access the same day. You keep the product until its cancellation effective date, and that date depends on the type of plan.^[2]

Product type	Access ends	Refund
Monthly subscription	End of the current billing cycle^[2]	No partial-month refund; the cancellation is scheduled before the next charge^[3]
Annual (prepaid 12 months)	The next time your purchase day comes around in a month^[2]	Refund based on the original price and the unused months^[3]
Free or reduced-price trial	End of the trial, if you cancel before it ends^[2]	No charge if you cancel during the free trial^[9]
One-time report or score	Expires 30 days after purchase; no need to cancel^[2][10]	No refund once the report is delivered^[3]

Example: You bought an annual plan on the 15th of a month and cancel on the 2nd of a later month. The cancellation takes effect on the 15th of that month, and the refund is based on the original price and the months you hadn’t used.^[2][3]

Bought on the 29th, 30th or 31st? If that day doesn’t exist in the month you cancel, the cancellation takes effect on the last day of that month.^[2]

Equifax annual renewal: watch for the 30-day email

Annual products renew automatically at the end of the paid term. Thirty calendar days before the renewal date, Equifax emails you that the product will renew unless you cancel by phone or online.^[11]

If the renewal has already been charged, canceling still follows the annual refund rule in the table above.^[3]

Canceling the Equifax Complete Premier 7-day trial

Equifax’s free trial is for Equifax Complete Premier, which costs $19.95 a month.^[12] You can cancel during the 7-day trial without charge; if you don’t, Equifax charges your card $19.95 immediately when the trial ends.^[9]

To see how many trial days you have left and when billing starts, open My Account and then the Manage Billing tab in the Member Center.^[4] Only one free trial is available in any 180-day period, so canceling and signing up again won’t restart it.^[9]

Equifax Lock & Alert is canceled by phone

Lock & Alert has its own route: call Customer Care at (888) 548-7878, 8 a.m. to midnight ET, 7 days a week.^[13]

Not sure what you’re paying Equifax for?

Getting credit alerts but never signed up with Equifax? They may come from another provider that monitors your Equifax credit report, so contact that provider to cancel.^[14]

If you enrolled with a promo code from a data breach notification letter, check the enrollment terms in that letter. Equifax’s FAQ only explains how to enroll.^[15]

Free Equifax options after you cancel

Canceling a paid plan doesn’t cut you off from your Equifax report. A free myEquifax account includes six free Equifax credit reports a year, and Equifax Core Credit gives a free daily Equifax credit report and VantageScore 3.0 credit score.^[16]

You can also get free copies of your reports from all three nationwide credit bureaus every 12 months at AnnualCreditReport.com.^[16]

Paying another bureau as well? Experian’s paid plans are a separate subscription with their own cancellation steps. Our credit monitoring cancellation hub covers other services.

Equifax cancellation FAQs

Do I get a refund if I cancel Equifax?

Only on a prepaid annual plan, where the refund is based on the original price and the unused months. Monthly plans run to the end of the paid cycle with no partial-month refund, and one-time reports aren’t refunded.^[3]

Will Equifax charge me after I cancel?

A monthly cancellation is scheduled for the end of your billing cycle, before the next charge.^[3] If a charge still appears, call Customer Care with the date you canceled and your screenshot or agent’s name.