How to cancel Credit Check Total and stop unwanted charges today

What Credit Check Total is and why you might want to cancel

Credit Check Total is a paid credit monitoring service that delivers multi-bureau credit reports, periodic score updates and ongoing surveillance of your credit file. The service operates on a deliberately short trial period (typically A$1.50 for 7 days) followed by recurring monthly charges of approximately A$45-50. If you signed up for the trial and now face unexpected billing, or the service has failed to meet your expectations, cancelling promptly is essential to protect your finances.

How the service works

When you join Credit Check Total, you enter a recurring billing agreement. The trial period is intentionally brief and designed to convert automatically into paid monthly billing unless you actively cancel before day 8. This automatic conversion is where most Australian consumers encounter problems-unexpected charges appear on credit card statements weeks or months later because the original cancellation request was never processed or was deliberately obscured. Yafee has supported thousands of consumers in this exact scenario, and understanding the correct cancellation pathway is your strongest defence.

Why cancellation matters under australian law

Australian Consumer Law grants you explicit protections when dealing with automatic renewal subscriptions. The Australian Competition and Consumer Commission (ACCC) enforces strict rules: a business must make cancellation as straightforward as signing up. If Credit Check Total deliberately obscures the cancellation process, fails to honour your cancellation request or continues billing after you have cancelled, you have grounds to dispute charges and claim refunds. Knowing the correct cancellation procedure becomes your legal shield.

Subscription pricing and billing structure

Below is the pricing structure reported by independent consumer platforms and converted to Australian dollars for budgeting purposes.

These figures represent approximate conversions based on reported USD pricing. Your actual AUD charges may vary depending on your bank's exchange rate, the date your payment is processed and any active promotions. Always verify the precise amount on your credit card statement.

When automatic conversion occurs

The trial period lasts exactly 7 days. On day 8, unless you cancel before the trial expires, Credit Check Total will charge your payment method the full monthly subscription fee. This automatic conversion is the critical juncture where cancellation problems begin. Many consumers assume the trial ends passively; in reality, you must take active steps to cancel before day 8 to prevent the charge from appearing.

Your consumer rights under australian law

Australian Consumer Law provides you with enforceable protections that apply directly to Credit Check Total and comparable subscription services.

Australian consumer law and automatic renewal protections

The ACCC administers strict compliance rules for automatic renewal billing. Under section 139A of the Australian Consumer Law, a business must not mislead you about subscription terms or construct a cancellation process that is harder than the sign-up procedure. If Credit Check Total fails to process your cancellation, continues charging you after you have cancelled or deliberately hides the cancellation pathway, you hold grounds to lodge a formal complaint with the ACCC and request a full refund.

Your legal position regarding refunds and service failure

If Credit Check Total fails to deliver the advertised service-such as incomplete credit reports, non-functioning monitoring features or service unavailability-you may qualify for a refund under Australian Consumer Law section 139A and the Australian Consumer Guarantees. The ACCC has enforcement authority and can order compensation. If Credit Check Total refuses your refund claim, you can escalate to the ACCC or the relevant state fair trading authority. Yafee recommends documenting all correspondence and keeping proof of payment.

How to cancel Credit Check Total in australia

Credit Check Total provides two cancellation methods. Yafee recommends following the method that generates the most verifiable proof of your cancellation request.

Step 1: cancel by mail

Send a written termination request to Credit Check Total's postal address. This method creates a paper trail and is your strongest evidence if a dispute arises.

1. Prepare a written letter stating:
   • Your full name
   • Email address associated with your account
   • Account number (if you have it)
   • The date you wish the cancellation to take effect
   • A clear statement: "I hereby cancel my Credit Check Total subscription effective immediately"
2. Post your letter to the address below:
   • 8144 Walnut Hill Lane, Sixth Floor, Dallas, TX 75231
3. Send the letter via registered or tracked mail so you have proof of delivery
4. Keep a copy of your letter and the tracking receipt for your records
5. Allow 5-10 business days for postal processing from the United States

Step 2: cancel by phone

Telephone cancellation offers immediate confirmation, though you must document the call details to protect yourself.

1. Contact Credit Check Total's customer service line (verify the current number on their website or your billing statement)
2. Request to speak with a representative authorised to process cancellations
3. Provide your account details and confirm your email address
4. Clearly state: "I wish to cancel my subscription effective immediately"
5. Request and note the following:
   • The name of the representative who processed your cancellation
   • The date and time of the call
   • A cancellation confirmation number
   • Ask whether a confirmation email will be sent to you
6. If offered, write down any confirmation reference number provided
7. Follow up with an email to Credit Check Total restating your cancellation request and referencing the phone conversation details

Step 3: follow up with written confirmation

Regardless of which cancellation method you use, Yafee strongly recommends sending a follow-up email immediately after your request.

1. Email Credit Check Total using the support address on their website or billing statement
2. Include in your email:
   • Your full name and account email address
   • The date and method you cancelled (e.g., "I cancelled by phone on [date] at [time] with representative [name], confirmation number [XXX]")
   • A clear statement requesting written acknowledgment of your cancellation
   • Ask them to confirm the final billing date and whether any refund is due
3. Request a read receipt or reply confirmation
4. Retain this email and any response in a dedicated folder for future reference

What happens after you cancel

Cancellation does not always mean immediate cessation of charges. Understanding the post-cancellation timeline protects you from unexpected bills.

Billing cycle and final charges

If you cancel mid-cycle, Credit Check Total may charge you until the end of your current billing period. For example, if you cancel on day 15 of a monthly cycle, you might be charged until day 30. Verify this policy in your cancellation confirmation. If you believe you have been overcharged, you can dispute the charge with your bank or credit card provider.

Monitoring your statements after cancellation

Check your credit card statement for the two billing cycles following your cancellation date. If charges continue after your cancellation request, contact your bank immediately and provide proof of your cancellation (your email, phone confirmation number or registered mail receipt). Your bank can initiate a chargeback dispute if Credit Check Total fails to honour your cancellation.

Refund eligibility and claiming money back

You may qualify for a refund in specific circumstances under Australian Consumer Law.

When you have grounds for a refund

You can claim a refund if Credit Check Total continues to charge you after you have cancelled, if the service was not fit for purpose, or if you were misled about the trial terms. Yafee recommends gathering the following before requesting a refund:

• Your cancellation confirmation (email, phone reference, or registered letter receipt)
• Screenshots or PDF downloads of all charges from your credit card statement
• Any communications from Credit Check Total confirming your account status
• Evidence of any service failures (e.g., missing credit reports, broken links, error messages)

How to request a refund from Credit Check Total

1. Email Credit Check Total's customer service with the subject line: "Refund request for account [your email address]"
2. Attach or reference all supporting documentation
3. Clearly state the reason for your refund (continued charges after cancellation, service failure, misleading trial terms)
4. Request a response within 10 business days
5. If Credit Check Total refuses or does not respond, escalate to the ACCC or your state's fair trading authority

Escalating to the ACCC if refund is denied

If Credit Check Total refuses your refund or fails to respond within 10 business days, lodge a complaint with the Australian Competition and Consumer Commission. The ACCC can investigate violations of section 139A of the Australian Consumer Law and order refunds or compensation. Provide the ACCC with all documentation of your cancellation attempts and denied refund requests.

Common cancellation mistakes to avoid

You are not alone if your first cancellation attempt failed-thousands of Australian consumers face this challenge annually, and most mistakes are easily preventable.

Mistake 1: assuming the trial cancels automatically

The trial does not cancel itself. Day 8 brings an automatic charge unless you actively cancel before day 7 expires. Mark your calendar on day 1 and set a phone reminder for day 6.

Mistake 2: relying on phone cancellation without written follow-up

A phone call creates no paper trail. Credit Check Total's representative may not process your request, or the company may claim they never received it. Always follow a phone cancellation with a registered email or written letter.

Mistake 3: failing to keep proof of your cancellation request

Without documented proof-a registered mail receipt, email confirmation or phone reference number-you cannot dispute a charge. Yafee recommends photographing your registered mail receipt and saving all emails in a dedicated folder.

Mistake 4: disputing with your bank before formal notice to Credit Check Total

Contact Credit Check Total directly first and provide at least 10 business days for a response. Only then should you ask your bank for a chargeback. Chargebacks can take weeks and may incur fees.

Comparison: keeping versus cancelling

Before you commit to cancellation, consider whether the service delivers value for your circumstances.

Contact and cancellation address

Send your written cancellation request and any refund claims to this address:

Credit Check Total
8144 Walnut Hill Lane, Sixth Floor
Dallas, TX 75231
United States

Use registered or tracked mail to ensure delivery proof. Allow 5-10 business days for postal transit from Australia to the United States.

Summary and next steps

Cancelling Credit Check Total requires documented proof and proactive follow-up. You have two methods: postal mail (which creates the strongest evidence) or phone (which requires written follow-up by email). The trial period converts to paid billing on day 8 unless you cancel beforehand. Under Australian Consumer Law, you are protected against misleading renewal terms and unauthorised charges-the ACCC enforces these rights. If Credit Check Total continues billing after your cancellation or fails to deliver the promised service, you can claim a refund and escalate to the ACCC if the company refuses.

Yafee has helped thousands of Australian consumers navigate exactly this cancellation process. Start today by setting a calendar reminder, gather your account details, and send your cancellation request via registered mail for maximum protection. Keep all correspondence, monitor your statements for the next two billing cycles and don't hesitate to dispute with your bank if charges continue after your cancellation date. Your consumer rights are enforceable, and Yafee is here to help you understand every step of the process.