When you have a subscription plan to the credit reporting agency Equifax, you receive unlimited access to your credit report and credit score. You will also receive fraud alerts from the company if suspicious activity starts appearing on your credit report. Equifax typically offers a low introductory rate to use its credit-monitoring services. If you cancel before the end of your trial period, you will not be billed the normal monthly charge.
Call the Equifax customer-service line. You can reach the company toll-free at 866-640-2273 and select the account-management prompt. If you get lost in the phone tree, press “0” to reach a representative directly.
Give your full name and membership number if you have it handy. For security purposes, they may ask for your mother maiden’s name or another security question that you were required to answer during account setup.
Let the representative know that you wish to cancel your Equifax service. The account manager may offer you a special deal to remain with the company. If you stay firm reject that deal, request that a confirmation email that your account has been canceled. Keep a record of the representative's name in case he fails to cancel the account. If you do not receive an email within 24 hours of your call, contact Equifax again to recheck your account status.
You cannot cancel your membership online. You must call customer service and speak directly to a representative.
To access your credit reports for free year-round, request a copy from a single credit reporting agency every four months. Since there are three agencies, Experian, Equifax and TransUnion, you will never have to pay to receive your report. The FTC mandates that each agency must prove you with one free report annually.
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