How to Cancel Equifax Credit Monitoring in 2026
Updated March 3, 2026 • 4 min read
⚡ Quick Summary
Go to my.equifax.com → Account → Memberships → Cancel Plan. Or call 1-888-202-4025. Credit Karma monitors your Equifax credit for free — you almost certainly don't need to pay Equifax $20/month.
Equifax Paid Products
- Equifax Complete: $19.95/month — 3-bureau monitoring, FICO scores
- Equifax ID Patrol: $16.95/month — dark web monitoring, alerts
🚨 Did You Sign Up After the 2017 Breach?
The 2017 Equifax data breach exposed 147 million people's data. Many people signed up for Equifax monitoring as a response and have been paying $20/month ever since — that's over $1,900 since the breach. Credit Karma does the same thing for free.
How to Cancel
- Go to my.equifax.com
- Log in to your account
- Go to Account → Memberships
- Click Cancel Plan
- Decline retention offers
- Confirm cancellation
Or call 1-888-202-4025.
Free Alternatives
- Credit Karma: Free Equifax + TransUnion scores and monitoring
- Experian Free: Free Experian FICO score
- AnnualCreditReport.com: Free reports from all 3 bureaus weekly
- Your bank: Most banks provide free FICO scores
Better Protection: Freeze Your Credit (Free)
A credit freeze is free and more effective than paid monitoring. Monitoring tells you after someone opens an account in your name. A freeze prevents it from happening.
- Equifax: equifax.com/personal/credit-report-services/credit-freeze
- Experian: experian.com/freeze
- TransUnion: transunion.com/credit-freeze
Temporarily lift the freeze when you need to apply for credit. This is the single best thing you can do to protect against identity theft.
Are you paying multiple credit bureaus?
Upload your bank statement to JustCancel — we'll find Equifax, Experian, TransUnion, and every other subscription you're paying for.