How to cancel credit monitoring or a paid add-on
General guidance for credit monitoring and paid add-ons: what happens if you do nothing, how to cancel, what to check and what to keep. It isn’t about any one company, so check your own contract for the details.
What happens if you do nothing
- Trials often convert to paid automatically.
- Billing may continue monthly until you cancel.
How to cancel, step by step
- Sign in to your account dashboard
- Find the subscription or add-on settings
- Cancel before the next monthly charge
- Call customer service if no online option
- Confirm cancellation and check for refunds
Checklist
- Confirm whether you’re still in a trial period.
- Find the exact conversion date.
- Cancel before conversion if you don’t need it.
Watch out for
- Trials can convert earlier than expected depending on signup time.
When to start
Start about 14 days before the renewal date—earlier if there is a notice period, so you still have time to decide, compare and send your notice.
Documents to keep
- Signup email
- Terms screenshot
An email you can copy
Replace the parts in brackets. Send it to the address in your contract or on the provider’s contact page, and keep the reply.
Subject: Trial conversion date – [provider name]
Hello, Please confirm my trial conversion date and how to cancel before billing begins for [provider name]. Thanks, [your name]
If you call
What to say, and what to ask for in writing:
- I need the trial conversion date and the cancellation method before billing begins.
Guides by kind of contract
- Streaming services
- App Store subscriptions
- Software and online tools
- Cloud storage and backup
- VPN and security
- Newsletters and memberships
- Gym and fitness
- Mobile phone plans
- Broadband and internet
- Energy and utilities
- Insurance
- Leases and rentals
- Daycare and school fees
- Kids’ activities and lessons
- Therapy and medical plans
- Clubs and associations
- Professional certifications
- Domains and web hosting
- Parking and toll passes
- Other subscriptions and contracts
Renewal Radar: Know when to cancel—before your contracts renew.
A subscription and contract tracker for iPhone and iPad that alerts you before renewals and cancel-by dates, so you can keep, cancel or renegotiate on time.
In the app, a playbook for each kind of contract lists the steps, a checklist and an email and call script to copy. The free version shows a preview; Premium unlocks the full playbooks.
