How to Cancel a TransUnion Credit Monitoring Subscription: Step-By-Step

Updated

Monitoring your credit score is an important way to ensure you don’t become a victim of identity theft or fraud. TransUnion Credit Monitoring is a subscription product that gives you unlimited access to your score and your credit report as well as a credit lock tool to shield your score. 

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While this is a valuable service, there might come a time when you need to cancel a TransUnion Credit Monitoring subscription either for yourself or a loved one. This is especially true after the death of a loved one when you want to make sure their credit information is protected. 

In this guide, we’ll take you step-by-step through how to cancel a TransUnion Credit Monitoring subscription to safeguard your digital legacy. TransUnion is one of the three credit bureaus, so it’s important to know your options. 

How to Cancel Your Own TransUnion Subscription

TransUnion Credit Monitoring makes it simple to cancel your own subscription. If you have any issues with this process below, TransUnion urges you to contact their support team for more assistance. 

1. Log in to your TransUnion account

The first step is to log in to your TransUnion Credit Monitoring account. Use this link to go directly to their “cancel membership” page. Otherwise, log in with your username and password, and navigate to your account settings. This is where you’ll find the next steps. 

2. Continue with your cancellation

When you click on the link to the cancellation page, you’re taken directly to the cancellation dashboard. Otherwise, go to your account settings and find “cancel” to go to the same page. 

You’ll first be presented with a notice. This is to let you know about any services or offers you might not have taken advantage of yet. If you purchased their MortgEdge program, it’s a good idea to complete your session with a specialist before you end your membership. 

If this doesn’t apply to you, click “continue and cancel” to navigate to the next page. Note, your account has not been canceled yet, and you still need to complete the next step. 

3. Click cancel to finalize

Once you continue, you’ll be taken to a final page. TransUnion reminds you that you might be eligible for special credit monitoring savings if you call them directly at (866) 212-2173. 

If you’re not interested in any savings or continuing your membership, click “Cancel My Monitoring.” This is the final confirmation page. Once you’ve completed this page, you have successfully canceled your membership. You should still have access to your account until the end of your billing cycle. 

4. Alternative: call TransUnion

If you’re not tech-savvy or would prefer to talk to a customer service agent about your options, you can also cancel over the phone. To do this, call (855) 681-3196. 

They’re available Monday through Thursday from 8 a.m. to 12 a.m. ET. They’re also available Friday through Sunday from 8 a.m. to 8 p.m. If you choose to cancel over the phone, write down a copy of your confirmation just in case. 

5. Update your records

Last but not least, make sure you update your records to reflect this account cancellation. You might need to remove TransUnion from any password manager

It’s also important to create a new plan for monitoring your credit. Unfortunately, there are many ways your credit can be used against you in cases of fraud, so keeping a close eye on it is a must. 

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How to Permanently Cancel a TransUnion Credit Monitoring Subscription for a Deceased Loved One

Canceling accounts for your loved one is one of the many executor duties that fall upon the family after a death. This can be a tricky process, especially if you don’t have access to your loved one’s accounts. 

1. Gather account and personal information

Your first step is to gather your loved one’s account and personal information. The more you know, the better. You should try to have the following information handy:

  • Name
  • Address
  • Date of birth
  • Date of death
  • Email address (especially if it was used with the account)
  • Social security number

It’s also helpful to have a copy of their death certificate. Many companies will use this to validate a person’s death and close the account. If you’re not the spouse of the deceased, you might need to also prove your relationship to them as an executor with a court-approved document, such as a Letters Testamentary or Letter of Administration.

2. Report the death to the credit agencies

It’s essential to report the individual’s death to all of the credit agencies. Unfortunately, fraud is common, and criminals target the dead to take advantage of their credit. 

You can notify the credit agencies online or by sending a notice to their contact address. You’ll need to submit their legal name, social security number, date of birth, date of death, and a copy of their death certificate. Also, include your own contact information. 

3. Contact TransUnionCredit Monitoring

Last but not least, contact TransUnion Credit Monitoring directly to make sure your loved one’s account is closed. While this could be triggered when the death is reported to TransUnion, it’s still important to follow up yourself. 

Visit the TransUnion support center or their contact page for more information on how to get in touch. You’ll likely need to prove your relationship to the deceased as well as provide a death certificate to get the account closed. Once this is accomplished, save a copy of any documents for your records. 

Canceling a TransUnion Subscription: Frequently Asked Questions

To make sure this process is as smooth as possible, here are some of the most frequently asked questions related to canceling a TransUnion subscription. 

How much does it cost to cancel a TransUnion subscription?

It doesn’t cost anything to cancel a TransUnion account for you or a loved one. However, you will not receive any prorated payments for the outstanding month. Your cancellation will end according to their billing cycle, so plan accordingly. 

Can you cancel a TransUnion subscription online?

You can easily cancel your own TransUnion subscription online as long as you have access to the account. If you’re struggling to access your account or you need to close a loved one’s account, contact them via phone for more support. 

What happens after you cancel a TransUnion subscription?

After you cancel a TransUnion Credit Monitoring subscription, you’ll still have access to your tools and insights for the remainder of the billing cycle. It’s a good idea to save a copy of these things for your records. 

When your membership ends, you’ll need to find a new way to manage your credit report and score. There are many other providers to choose from, or you might opt not to monitor your credit at all—though this is not recommended. 

Easily Close Your Credit Monitoring Account

Monitoring your credit is always a good idea, but you might still find yourself needing to cancel your TransUnion Credit Monitoring subscription. Luckily, it’s easy to handle this for yourself or a loved one. 

Monitoring your credit is the best way to stay up-to-date on sudden changes and potential fraud. It’s a good idea to keep a tight grip not only on your credit but also on the credit of your loved ones. Knowing how to take charge, whether you’re opening or closing your monitoring account, is one part of this process. 


Sources

  1. “Contact Us.” Credit Monitoring, TransUnion, membership.tui.transunion.com/tucm/support.page

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