Cancellation guide
How to Cancel TransUnion Subscription
TransUnion's paid product is now Credit Premium. You can cancel it online and either keep a free account or delete it. Cancelling does not touch a credit freeze: freezes are free and managed separately.
Checked against TransUnion's help pages on · Official sources
The short version
- Credit Premium$29.95/month plus tax, renews monthly, cancel anytime.
- Cancel onlineSettings → Membership Details → scroll down → choose downgrade or delete.
- No partial refundsYou keep access to the end of the billing period you paid for.
- Freeze stays freeA credit freeze costs nothing and does not need a paid plan.
Which TransUnion product do you have?
- TransUnion Credit Monitoring and TrueIdentity have shut down. Their accounts were moved to Credit Essentials (free) or Credit Premium (paid).
- Identity Protection is a separate product. Cancel it from the menu in the top right corner → Protection Plan → Cancel.
- Credit monitoring from Credit Karma, your bank or a card issuer is a separate contract with that company. Cancel it there.
How to cancel Credit Premium
Online
- Sign in to your TransUnion account and click Settings in the main menu.
- Click Membership Details and scroll to the bottom.
- Choose Cancel Subscription and Downgrade to keep a free account, or Cancel Subscription and Delete my Account to remove it.
- Save the confirmation.
By phone or chat
Call (833) 543-4353. TransUnion lists weekday hours from 8 am Eastern (until 9 or 10 pm) and weekend hours from 8 am (until 5 or 6 pm), closed on US holidays; its help center shows both versions. You can also use the chat button at the bottom of the member help center.
Refunds and billing
The paid subscription renews every month. TransUnion's terms say it does not refund or credit partially used billing periods; refunds are only at its discretion. After you cancel, you keep Credit Premium until the end of the current billing period.
If a payment fails and is not received within 21 days, TransUnion downgrades the account to the free membership.
Credit lock vs. credit freeze
- TransUnion has switched off its Credit Lock feature, so a paid plan no longer locks your report.
- A credit freeze is always free, to place, lift or remove. Freeze online at transunion.com/credit-freeze, by phone at 800-916-8800, or by mail to TransUnion, P.O. Box 160, Woodlyn, PA 19094.
- Deleting your Credit Essentials or Premium account does not delete the TransUnion Service Center account where freezes are managed.
- You can check your credit reports from all three bureaus for free every week at annualcreditreport.com. Daily TransUnion reports and scores are also included in free Credit Essentials.
Common questions
Will cancelling remove my credit freeze?
No. A freeze is separate from the paid subscription, free by law, and managed in the TransUnion Service Center.
Should I downgrade or delete my account?
Downgrading keeps free Credit Essentials with daily TransUnion reports and scores. Delete only if you don't want a TransUnion login at all.
Can I get money back for this month?
Usually not. The terms rule out refunds for partial periods, although TransUnion may make exceptions. Ask on the phone if you were charged after cancelling.
Official sources
Checked on 13 October 2026. This is an independent guide, not affiliated with TransUnion.