Cancel Equifax UK the easy way

Core service

Equifax Limited is a UK credit reference agency and consumer service offering credit reports, credit scores, identity protection and monitoring products. Equifax supplies a free basic product and paid plans that include daily access to credit report and score features.

Who uses it

The service targets consumers checking their credit file, people seeking identity protection, and businesses that rely on credit-data products; the target audience listed by Equifax is financial services companies, businesses, and consumers in the United Kingdom.

Company facts

Official terms and consumer conditions are published by Equifax. See Equifax consumer terms for details on subscriptions and cancellations: consumer services terms (Sept 2025).

Web (MyEquifax) - step by step

1. Go to the MyEquifax login page and sign in with your credentials.
2. Open the "My Account" page and select "Cancel Subscription".
3. Follow the on-screen instructions and confirm cancellation.
4. Save any on-screen confirmation and download or screenshot confirmation for your records.

iOS and Android app - step by step

1. Open the MyEquifax app on your device and sign in.
2. In settings or account area choose the subscription or manage subscription option.
3. If billed by Apple or Google, open the App Store or Google Play subscriptions section and cancel there; otherwise use the in-app cancel button.
4. Record any confirmation or store receipt showing cancellation.

Phone - step by step

1. Call 0800 014 2955 between 8:00 and 18:00, Monday to Friday (excluding December 25 and 26).
2. Give your full name, account email and any membership number to the agent and state you wish to cancel the subscription.
3. Ask for the reference number and the agent's name; note the date and time of the call.
4. Keep the call reference and check your bank statement for any further charges.

Post - step by step

1. Write a signed letter including your full name, address, email used for the account, telephone number and request to cancel the subscription.
2. Send by registered post to: Equifax UK, PO Box 10036, LE3 4FS Leicester, United Kingdom.
3. Keep the proof of postage and allow up to 7 working days for processing by Equifax.
4. Follow up by phone if you do not receive confirmation.

Email / Support form - step by step

1. Open Equifax support: Equifax support.
2. Use the contact form or the email option to submit a cancellation request including full account details.
3. Save any automatic reply and subsequent correspondence as proof.

Moving / change of residence

Rule: Moving residence does not by itself force Equifax to cancel a subscription. Required proof documents: proof of new address if you need to update account details, such as a utility bill or tenancy agreement. Applicable law: Consumer Rights Act 2015 for services performed with reasonable care and skill.

Price increase

Rule: If Equifax raises the price in a way that the terms allow you to exit, you may cancel and request a refund for future periods. Required proof documents: a copy of the rate increase notice or screenshot showing new price and date of notice. Applicable law: Consumer Contracts Regulations 2013 for changes to contracts and the right to cancel where terms change to your material disadvantage.

Death of the subscriber

Rule: Next of kin or executor may contact Equifax to close or access the deceased estate account. Required proof documents: death certificate and executor identification. Applicable law: Consumer Rights Act 2015 for fair treatment of service contracts for deceased customers.

Legitimate ground - Equifax fails to comply or is negligent

Rule: Research shows Equifax accepts immediate cancellation if it fails to comply with terms or is negligent. Required proof documents: copies of correspondence with Equifax showing breach or confirmed negligence (for example, documented system error and refund confirmation). Applicable law: Consumer Rights Act 2015.

End of commitment

Rule: Monthly subscriptions have no minimum commitment; paid plans billed monthly end when you cancel and may allow access until the end of the paid period. Required proof documents: account details and confirmation of cancellation. Applicable law: Contract terms as set out in Equifax terms and conditions: Equifax terms.

Cooling-off period (14-day right to cancel)

Rule: You have a 14-day cooling-off right for services arranged online or off-premises under the Consumer Contracts Regulations 2013. If you cancel within 14 days after ordering you will be refunded any amounts paid, except where you expressly requested the service begin during the 14-day period. Required proof documents: order confirmation and cancellation request. Applicable law: Consumer Contracts Regulations 2013 and Consumer Rights Act 2015.

Before cancelling: negotiate

Retention offers: research does not show a standard, published retention discount from Equifax. To request a retention offer, call 0800 014 2955, explain why you want to leave and ask if a lower price, a free month, or a change to Equifax CreditWatch is available. If you are in a free trial, state the trial start date and request immediate cancellation and a refund where appropriate.

What cancelling saves you

Compute yearly savings using Equifax published prices.

• Equifax Credit Report & Score: £14.95 x 12 = £179.40 per year.
• Equifax Family & Friends Plan: £22.95 x 12 = £275.40 per year.
• Equifax Basic: Free (0 per year).

Compare to competitors:

• Checkmyfile: £14.99 per month - £14.99 x 12 = £179.88 per year.
• ClearScore: Free - £0 per year.

Example saving: switching from Equifax Credit Report & Score (£179.40/year) to ClearScore (free) saves £179.40/year. Switching from Equifax Family plan (£275.40/year) to Checkmyfile (£179.88/year) saves £95.52/year (calculation: £275.40 - £179.88 = £95.52).

Key UK consumer law

The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide a 14-day cooling-off period for online and off-premises services. The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill. The Competition and Markets Authority flags unclear auto-renewal or hard-to-cancel subscriptions as potentially unfair.

Regulators and complaint routes

Equifax is authorised and regulated by the Financial Conduct Authority for relevant services. If you cannot resolve a complaint with Equifax you may escalate to the Financial Ombudsman Service. See example ombudsman decisions linked in sources for precedent: ombudsman decision DRN-3651983.

Remedies and payment disputes

If you believe Equifax did not cancel a trial correctly and you were charged, options include requesting a refund, asking for a chargeback from the card issuer, or filing a complaint with the Financial Ombudsman Service. The Consumer Contracts Regulations 2013 allow refunds within 14 days of cancellation; Equifax terms state they may retain sums for services performed during the cooling-off period.

Confirm final billing

Check bank or card statements for any further charges in the billing cycle. If you cancelled during a free trial and were charged, request a refund showing the trial start date and cancellation attempt.

Access and data handling

After cancellation you may lose access to premium reporting and alerts. Equifax terms state that if Equifax ends user rights to the app/services you must stop activity and delete the app. To request deletion of personal data or exercise data rights, contact Equifax via their support channels.

Re-activation and re-subscribing

If you re-subscribe within 6 months after cancelling a free trial, Equifax may apply charges immediately without a new free trial. Keep a record of dates to avoid unintended charges.

Before you cancel, gather the items below to make the process straightforward and to keep proof.

• Account email and login details.
• Order confirmation and trial start date if applicable.
• Payment card or bank statement entries showing charges.
• Phone access: call 0800 014 2955 between 8:00 and 18:00 Monday to Friday for live cancellation.
• Registered post option: send a signed cancellation to PO Box 10036, LE3 4FS Leicester and keep proof of postage.
• If cancelling within 14 days, state the cooling-off right under the Consumer Contracts Regulations 2013.