How to Cancel Equifax Credit Monitoring in 2026 — Free Alternatives That Work Better

Updated February 2026 • 5 min read

Cancel Equifax Products

Cancel Online

1. Go to my.equifax.com and sign in
2. Click Account or Plan Details
3. Find your subscription → Cancel plan
4. Walk through their retention flow

Cancel by Phone (If Website Doesn't Work)

• Call 1-866-349-5191
• Say "cancel my subscription"
• Ask for email confirmation
• Note: hold times can be 20-40 minutes

What Equifax Charges You

• Equifax Complete ($19.95/mo): Credit monitoring, score, reports, identity theft insurance
• Equifax Core ($9.95/mo): Basic monitoring, Equifax-only score

That's $120-240/year for credit monitoring. Everything they offer is available free through other services.

Free Credit Monitoring (Better Than Equifax)

• Credit Karma (free): Real-time monitoring of TransUnion + Equifax, VantageScore 3.0, alerts for new accounts, hard inquiries, and balance changes
• AnnualCreditReport.com (free): Free weekly credit reports from all 3 bureaus — mandated by federal law
• Your bank/credit card: Chase, Capital One, Discover, AmEx, Citi, and others provide free FICO scores and monitoring through their apps
• Experian free tier: Free Experian credit report and FICO score
• Credit Sesame (free): TransUnion monitoring, VantageScore, identity theft insurance

What About Identity Theft Insurance?

Equifax sells identity theft "insurance" ($1M coverage) as a premium feature. Here's the reality:

• Federal law already limits your liability to $50 for credit card fraud and $0 for electronic transfers reported within 2 days
• Most banks have zero-liability fraud protection
• Credit Sesame includes free $50K identity theft insurance
• The "$1M coverage" is mostly for recovery expenses (legal fees, lost wages) — not direct theft losses

Free Credit Freeze (Best Protection)

The single best identity theft protection is a credit freeze — and it's 100% free by law:

1. Equifax: equifax.com/personal/credit-report-services/credit-freeze
2. Experian: experian.com/freeze
3. TransUnion: transunion.com/credit-freeze

A credit freeze prevents anyone from opening new accounts in your name. You can temporarily lift it when you need to apply for credit. It's free, it works, and it's more effective than any monitoring service.

Get a Refund

• Call 1-866-349-5191 and request a refund for the current billing period
• If they refuse, file a complaint with the CFPB at consumerfinance.gov/complaint
• Dispute with your bank as a last resort