How to Cancel TransUnion Credit Monitoring in 2026

Updated February 2026 · 4 min read

TransUnion charges $24.95/month ($299.40/year) for credit monitoring and identity protection. Credit Karma monitors your TransUnion credit report for free with real-time alerts. You're literally paying TransUnion to watch TransUnion data that others give you for free.

Cancel by Phone

1. Call 1-800-916-8800
2. Say "Cancel my credit monitoring subscription"
3. Verify your identity
4. Get a confirmation number

Cancel Online

1. Go to transunion.com/customer-support
2. Sign in to your account
3. Navigate to Account Settings → Subscription
4. Click Cancel

Free Alternatives

• Credit Karma (free): Monitors TransUnion + Equifax, weekly score updates, real-time alerts
• Your bank (free): Most major banks provide free FICO scores and monitoring
• AnnualCreditReport.com (free): Free weekly reports from all 3 bureaus
• Credit freeze (free): Freeze all 3 bureaus for the strongest identity protection

The Credit Bureau Business Model

TransUnion, Equifax, and Experian collect your financial data, sell it to lenders, then sell you a subscription to monitor the data they collected. They profit from your data twice. Federal law already entitles you to free credit reports, and services like Credit Karma provide free monitoring. Paying the bureaus directly is rarely necessary.