How to Cancel Equifax

Step-by-step instructions

1. 1
   If this applies to you

   If you rely on the plan's credit lock, set up a free lock or freeze first

   Equifax Complete, Complete Premier and the Family Plan let you lock your Equifax credit report under Freeze & Lock in myEquifax, and Equifax's help says you can lock or unlock it "as part of your product". Its terms list "all other Product benefits" among what you lose on cancellation, and for children on the Family Plan, Equifax says their reports stay locked until "You cancel the Family Plan product." Equifax doesn't say whether your own report is unlocked when you cancel, so set up a replacement first. Lock & Alert is Equifax's separate lock service, "free for life for all U.S. consumers"; you can sign up while you still have a paid plan, and it shows a lock placed by another product. Or use a security freeze: Equifax says placing, lifting and removing one is free, in a free myEquifax account or at (888) 298-0045, and the FTC says "A credit freeze lasts until you lift it." Your Equifax report can't carry a lock and a freeze at once, so you remove one before adding the other. Both cover Equifax only; the FTC says to freeze at Experian and TransUnion as well. Lock & Alert is for adults, so for a child under 16, a parent can freeze the child's Equifax report by mail with Equifax's Minor Freeze Request form.

2. 2

   Sign in to myEquifax on the web

   Go to my.equifax.com/membercenter in a web browser and sign in with the myEquifax account your paid plan is on. Equifax's cancel instructions are for the myEquifax account on the web; its help doesn't describe cancelling in the myEquifax app. If you can't sign in, Equifax's login help line is 1-888-Equifax (1-888-378-4329), the same number that takes cancellations.

3. 3

   Click your name, then My Account

   Click your name in the top right corner of myEquifax and select My Account. Those are the labels in Equifax's own help article, "How do I cancel my product?". The plan is cancelled from My Account, not from the Freeze & Lock section where the credit lock lives.

4. 4

   Select Cancel Subscription and keep proof

   In My Account, select Cancel Subscription and finish any confirmation Equifax asks for. Equifax's help doesn't describe the screens after that button or a confirmation email, so take a screenshot of My Account once you're done. Equifax says you keep the plan until the cancellation takes effect: at the end of the billing cycle on a monthly plan, and on an annual plan on the next date matching the day you bought it (bought on the 15th, it ends on the next 15th).

5. 5
   If this applies to you

   If there's no Cancel Subscription option, call or write to Equifax

   Call 1-888-Equifax (1-888-378-4329), the number on Equifax's cancel page. Its contact page gives the hours as 9am to 9pm ET Monday to Friday and 9am to 6pm ET on weekends. Equifax's own pages list other numbers for the same job: (866) 640-2273 on its "How can I contact Equifax?" page, (866) 243-8181 on its annual-renewal page, and 1-866-807-7461 in its product terms, which give that line's hours as 8am to 3am ET, seven days a week. The terms also accept a cancel in writing to Equifax Personal Solutions, P.O. Box 105496, Atlanta, Georgia 30348, Attention: Product Cancellation. Members on r/Equifax said in 2025 that they couldn't find a way to cancel online and had to call. By phone, they describe an identity check before an agent will cancel: one member was refused in August 2026 after failing it over home phone numbers on file they didn't recognise, and another, calling about someone else's plan with all her details, was told she had to call in herself, with no one else on the line. So have the account holder make the call, with the details the account was opened with to hand.

6. 6
   If this applies to you

   If you pay yearly, cancel as early as you can

   Equifax refunds an annual plan "based on the original purchase price and the number of fully unused months", and there are no partial-month refunds, so the earlier you cancel in the year, the more months come back. Its terms give the example: bought on January 1 and cancelled on February 1, you keep the plan until March 1 and get a refund for March through December. The renewal is automatic: Equifax says it emails an Annual Subscription Reminder about 30 days before the plan renews for another 12 months. Equifax's cancel page doesn't mention refunds; these rules come from its product terms and the plan cards on its homepage ("Refund provided for any fully unused months; no partial month refunds").

7. 7
   If this applies to you

   Check that you're on free Core Credit afterwards

   Equifax Core Credit is the free plan in the same myEquifax account: a daily VantageScore credit score and your Equifax credit report, with "No credit card required", Equifax says. Equifax doesn't say whether a cancelled paid plan moves you onto it. One member on r/ITIN says that after a cancelled trial ended, the account "automatically downgrades you back to the free plan" and Equifax emailed to confirm. If your account shows no plan after the end date, sign up for Core Credit from its page on equifax.com. Even without it, Equifax says a free myEquifax account lets you get free Equifax credit reports, place a security freeze or fraud alert, and file a dispute.