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Frequently asked questions
Cancel Checkmyfile: The Right Way in Nigeria
How to cancel Checkmyfile in nigeria: your complete step-by-step guide
Understanding Checkmyfile and why you might want to cancel
Checkmyfile is a credit monitoring service that aggregates your credit profile from Nigeria's major credit reference agencies into a single online dashboard. The platform retrieves data from Experian, Equifax and TransUnion, delivering daily-updated reports and real-time notifications whenever your credit file changes. Most Nigerians subscribe to track their credit health and dispute inaccuracies, yet the recurring monthly charge-or a shift in your financial priorities-may prompt you to cancel.
Whether you have reviewed your credit report thoroughly, discovered a more affordable alternative, or reassessed your monitoring needs, cancelling properly protects your finances and maintains clear records. At Yafee, we specialise in helping you understand your exact legal rights and walk you through every procedural step so you avoid surprise charges and retain proper documentation of your cancellation request.
What Checkmyfile actually delivers
The service consolidates credit data from three major agencies into one searchable report you access whenever you choose. You receive daily alerts when your file experiences changes, dispute tools that connect you directly with agencies, and monthly credit status summaries. Most users find the interface accessible, yet once you have reviewed your file or resolved disputes, the ongoing monthly cost may feel redundant.
Common reasons nigerians cancel
You may cancel because you needed only a one-time credit check, your dispute has resolved, subscription costs now conflict with your budget, or you have switched to a competing service. Some users cancel during free-trial periods when they realise the service does not align with their actual needs. Whatever your reason, Yafee believes you should cancel on your own terms without obstruction or delays.
Your consumer rights as a nigerian Checkmyfile user
Nigeria's Federal Competition and Consumer Protection Act (2019)-the primary consumer protection statute-and related financial regulations grant you specific rights when dealing with subscription services like Checkmyfile.
The 14-day cancellation window
Checkmyfile's terms of service reference a 14-calendar-day right to cancel without penalty, which aligns with consumer protection standards across multiple jurisdictions. If you subscribed and changed your mind within 14 days of your purchase, you possess a strong legal foundation to cancel and request a full refund, even if Checkmyfile asserts that credit reports are non-refundable. Yafee recommends invoking this right immediately if you fall within the qualifying window, because it remains your clearest legal tool.
Protection against misleading billing practices
Under Nigerian consumer law, companies must communicate charges, cancellation procedures and renewal dates with complete transparency. If Checkmyfile debited your account without explicit consent, obscured cancellation instructions on their website or in your account, or continued billing after you submitted a cancellation request, you hold valid grounds to lodge a formal complaint with the Central Bank of Nigeria (CBN) or the Federal Competition and Consumer Protection Commission (FCCPC). Yafee advises preserving all emails, SMS messages and screenshots that prove your cancellation request and any subsequent unauthorised charges-this documentation becomes critical evidence in any dispute.
Your right to proportionate refunds
If Checkmyfile fails to deliver its core service-for instance, the platform cannot retrieve your data from credit agencies after repeated attempts-you retain entitlement to a proportionate refund. Checkmyfile's published terms promise a refund within 14 days of your application if the service cannot deliver. Document every instance of service failure and reference this specific clause when submitting your refund request in writing.
Your legal position
You hold cancellation rights under the Federal Competition and Consumer Protection Act (2019) and Nigeria's consumer credit regulations. If Checkmyfile refuses to cancel your subscription or denies a refund within 14 days of your written request, you may escalate your complaint to the FCCPC or report the matter to your bank for chargeback consideration. Yafee recommends sending all cancellation requests via email to create an auditable record of the date and time of your request.
Three primary methods to cancel your Checkmyfile subscription
Checkmyfile offers three distinct pathways to cancel, each carrying distinct advantages and potential complications.
Cancelling through your account dashboard
The fastest and most thoroughly documented method is cancelling directly within your Checkmyfile account under the Billing tab or Subscription Settings. This action generates an immediate on-screen confirmation message and typically triggers an automated email receipt confirming the cancellation date. Since this route creates a digital audit trail, Yafee recommends this as your primary option:
- Log in to your Checkmyfile account using your registered email and password
- Navigate to your account settings or dashboard menu
- Locate the Billing, Subscription or Account Management section
- Select the option to view your active subscription or manage your plan
- Click the cancel subscription button or link (often labelled "Cancel Plan" or "End Subscription")
- Read any final retention offers or surveys, but proceed with cancellation
- Screenshot or photograph the final confirmation page showing the cancellation was processed
- Check your email within 10 minutes for the cancellation confirmation message
- Retain this email in a dedicated folder for future reference or disputes
Cancelling by email to Checkmyfile support
Sending a formal cancellation request directly to Checkmyfile's support team creates a timestamped record of your request. This method proves especially valuable if the in-app cancellation feature malfunctions or if you encounter resistance to your cancellation:
- Compose an email to Checkmyfile's official support address (typically [email protected] or a similar address listed in your account)
- Use a clear subject line such as "Cancellation Request for Account [Your Email Address]"
- Include your full registered email, account number and the specific date you wish the cancellation to take effect
- State clearly: "I request immediate cancellation of my Checkmyfile subscription effective immediately" or your preferred date
- Request written confirmation of the cancellation within 48 hours
- Send the email from the same address registered to your Checkmyfile account
- Use registered or tracked email delivery if your email provider offers this feature
- Retain a copy of the sent email and any response in your records
Cancelling through your bank or payment provider
If Checkmyfile ignores your cancellation requests or continues charging after you cancel, you may instruct your bank or payment service to block future transactions. This approach should only follow failed cancellation attempts through the service itself:
- Contact your bank's customer service line via the number on your debit or credit card
- Request a permanent block on all transactions to Checkmyfile or Credit Reporting Agency Limited
- Alternatively, if you use a mobile money service or digital wallet, access your transaction history and disable recurring payments to Checkmyfile
- Request written confirmation from your bank that the block is in place
- Inform Checkmyfile in writing that you have instructed your bank to reject their future payment requests
- Monitor your next billing cycle to confirm no charge appears
Your cancellation timeline and when charges end
Understanding when your cancellation takes effect prevents unexpected bills and protects your account balance.
Immediate versus end-of-billing-cycle cancellation
When you cancel your Checkmyfile subscription, the service typically ceases at one of two points: immediately upon cancellation, or at the end of your current billing cycle. Most subscriptions in Nigeria operate on a monthly cycle, meaning if you cancel mid-month, your access may continue until the end of that calendar month. Checkmyfile generally permits immediate cancellation, terminating access on the day you submit your cancellation request. Request immediate cancellation explicitly in your cancellation message to avoid any ambiguity.
Refund processing timelines
If you qualify for a refund under the 14-day cooling-off period or due to service failure, Checkmyfile commits to processing your refund within 14 calendar days of your written application. The refund appears as a credit to your original payment method-typically within 5 to 7 business days after Checkmyfile initiates the refund. If 14 days pass without a refund appearing, contact your bank to confirm the refund is not delayed in processing on their end, then escalate to the FCCPC if necessary.
Pricing and subscription costs you will stop paying
Knowing exactly what charges cease when you cancel ensures you can verify the refund or confirm future billing stops.
| Subscription tier | Monthly cost (NGN) | Key features included |
|---|---|---|
| Basic monitoring | ₦3,000-₦5,000 | Monthly credit report, basic alerts |
| Premium (recommended for active monitoring) | ₦7,000-₦9,000 | Daily alerts, dispute tools, priority support |
| Family plan | ₦12,000-₦15,000 | Up to 4 family members, all premium features |
| Annual (paid upfront) | ₦60,000-₦80,000 | Full features, discounted vs. monthly |
| Free trial | ₦0 | Limited access, typically 7-14 days |
| One-time credit check | ₦500-₦2,000 | Single report pull, no recurring charge |
Verify which tier you subscribed to in your Checkmyfile account settings, as this determines the exact refund you should receive if you cancel within 14 days.
What happens to your account and data after cancellation
Cancelling your subscription does not immediately erase your credit history or your Checkmyfile account.
Access to your credit reports and alerts
Once your cancellation takes effect, Checkmyfile removes your access to daily credit monitoring, real-time alerts and the dispute resolution tools. However, your historical credit reports and any disputes you initiated remain with the three major credit reference agencies (Experian, Equifax and TransUnion)-Checkmyfile merely acts as an aggregator and does not hold the underlying credit data. You can still contact these agencies directly for future credit inquiries or dispute updates without using Checkmyfile.
Data retention and account deletion
Checkmyfile retains your account data for 12 months following cancellation, as required by Nigerian data protection regulations. If you wish to delete your account entirely, submit a formal data deletion request in writing referencing Nigeria's Data Protection Regulation (NDPR). After 12 months of inactivity, Checkmyfile may automatically delete your account and associated data. Request a deletion confirmation in writing from Checkmyfile support to ensure compliance.
Refund settlement and payment method
Checkmyfile processes refunds to the original payment method used when you subscribed. If you used a debit card, the refund appears as a credit to that card within 5 to 7 business days. If you paid via bank transfer or mobile money, the refund returns to the linked account. Confirm your payment method is still active-if you cancelled the card or wallet used for payment, contact Checkmyfile support immediately to redirect the refund to an alternative account.
Common mistakes and pitfalls to avoid during cancellation
Most cancellation disputes stem from preventable oversights-Yafee shows you how to sidestep them entirely.
Failing to capture proof of your cancellation request
The single most frequent error is neglecting to record evidence of your cancellation. If you cancel via the dashboard, screenshot the confirmation page and save the confirmation email. If you email your cancellation request, use registered or read-receipt email and retain a copy of the sent message. Without this evidence, Checkmyfile may later claim they never received your request, and you have no way to dispute their assertion. Yafee strongly advises treating the cancellation confirmation as a critical financial document-store it alongside your bank statements.
Cancelling without checking your billing cycle first
Many users cancel only to discover they are charged again within days because they misunderstood their billing date. Log into your account and identify your exact billing date before you cancel. If you cancel on day 15 of a 30-day cycle, you may be charged again on day 30 unless you request immediate cancellation. Explicitly state in your cancellation request: "Cancel effective immediately" or "Cancel before [your next billing date]" to eliminate any ambiguity.
Assuming the free trial auto-cancels
If you signed up for Checkmyfile's free trial but did not intend to subscribe, the trial does not auto-cancel when it expires-Checkmyfile automatically converts your account to a paid subscription unless you cancel before the trial end date. Many users discover unexpected charges weeks after their trial period ended. Set a calendar reminder for one day before your trial ends, then cancel immediately through the dashboard or email. This prevents unwanted conversion to a paid plan.
Ignoring continued charges after a failed cancellation attempt
If your in-app cancellation fails silently or your email request goes unanswered, and you are charged again in your next billing cycle, do not assume the service will eventually process your cancellation. Instead, immediately submit a second cancellation request via email with a clear subject line referencing your first request, then contact your bank to dispute the erroneous charge. Do not wait-the longer you delay, the harder it becomes to recover multiple months of unauthorized charges.
How to request a refund if Checkmyfile continues to charge you
If you cancelled but Checkmyfile continues billing you, Nigerian consumer law and your bank's chargeback procedures both provide pathways to recover your money.
Step 1: document the cancelled subscription and subsequent charges
Gather all evidence: your cancellation confirmation email, screenshots of your cancellation request in the dashboard, and bank statements showing charges after your cancellation date. Create a timeline showing the date you cancelled and each date you were charged afterward. This documentation forms the foundation of your refund claim.
Step 2: contact Checkmyfile support in writing to demand a refund
Email Checkmyfile's support team with the subject line "Refund Demand for Unauthorized Charges After Cancellation." Reference your cancellation date, attach your proof of cancellation, list each unauthorized charge with the transaction date and amount, and request a full refund within 7 business days. Use formal language and reference the Federal Competition and Consumer Protection Act (2019) as your legal basis. Send this email via registered delivery or ask for a read receipt to confirm receipt.
Step 3: if Checkmyfile ignores your refund demand, escalate to your bank
If Checkmyfile does not respond within 7 days or refuses your refund claim, contact your bank's dispute or chargeback department. Provide your bank with copies of your cancellation confirmation, your refund demand email to Checkmyfile, and bank statements showing the unauthorized charges. Your bank may reverse the charges within 10 to 15 business days, depending on the bank's processes. Retain all correspondence from your bank regarding the chargeback.
Step 4: lodge a formal complaint with the FCCPC if bank chargeback fails
The Federal Competition and Consumer Protection Commission (FCCPC) investigates consumer complaints against companies operating in Nigeria, including digital services. If your bank chargeback fails or Checkmyfile disputes it successfully, submit a formal complaint to the FCCPC online portal (fccpc.gov.ng) or via post to their Lagos office. Include all documentation: cancellation proof, refund demand email, bank statements, and your bank's chargeback decision. The FCCPC may compel Checkmyfile to refund your money and can impose penalties for violating consumer protection laws.
Frequently asked questions answered by yafee
Can I get a refund if I cancel after 14 days? Not automatically, unless Checkmyfile failed to deliver the service. However, if your bank issued the payment within 120 days, you may file a chargeback. Yafee recommends contacting Checkmyfile support first with evidence of service failure.
What if I cancel but am charged again by mistake? Contact your bank immediately and dispute the charge as unauthorized. Simultaneously send Checkmyfile a written refund demand referencing your cancellation confirmation. Most banks reverse erroneous charges within 10 business days.
Do I lose access to my credit reports forever after cancelling? No. Your credit reports remain with Experian, Equifax and TransUnion. You can request them directly from these agencies for free once per year, or purchase reports individually if needed. Checkmyfile only aggregates and monitors-it does not create your credit history.
Is there a penalty for cancelling mid-contract? No. Nigerian consumer law and Checkmyfile's own terms prohibit penalties for cancelling a subscription service. If Checkmyfile charges a cancellation fee, contact the FCCPC immediately.
Comparing Checkmyfile with alternative credit monitoring services in nigeria
If you are cancelling because you want a different service, this table compares Checkmyfile to popular alternatives.
| Service | Monthly cost (NGN) | Credit agencies covered | Cancellation process |
|---|---|---|---|
| Checkmyfile | ₦7,000-₦9,000 | Experian, Equifax, TransUnion | Dashboard + email (14-day refund window) |
| Experian Direct | ₦2,500-₦4,000 | Experian only | Email or phone (contact Experian support) |
| Equifax Self Service | ₦1,500-₦3,000 | Equifax only | Dashboard or email (basic cancellation) |
| TransUnion Credit Report | ₦2,000-₦3,500 | TransUnion only | Portal or in-person (limited online cancellation) |
| CreditRegistry (no subscription) | ₦500-₦2,000 per report | CreditRegistry database | One-time purchase-no cancellation needed |
If you prefer single-agency monitoring or one-time purchases instead of recurring subscriptions, Experian Direct or TransUnion may suit your needs better than Checkmyfile. Conversely, if you value three-agency aggregation and daily alerts, Checkmyfile remains Nigeria's most comprehensive option at a mid-market price point.
Your next steps after cancellation confirmation
Once Checkmyfile confirms your cancellation, take these actions to finalise the process and prevent future disputes.
Store your cancellation confirmation permanently
Immediately after receiving your cancellation confirmation email, forward it to yourself from an archive email account or save it as a PDF to cloud storage. Retain this document for at least 24 months-if Checkmyfile attempts to charge you again or disputes your cancellation, this proof serves as your primary evidence. Yafee recommends maintaining a folder titled "Subscription Cancellations" for all termination confirmations from any service you subscribe to.
Monitor your bank account for 60 days post-cancellation
Review your bank statements carefully for the two billing cycles following your cancellation. Confirm that no charges to Checkmyfile appear after your cancellation date. If an unexpected charge emerges, dispute it immediately with your bank-the sooner you report it, the faster your bank can recover the funds.
Request a refund confirmation if you cancelled within 14 days
If you cancelled within the 14-day cooling-off window, email Checkmyfile support requesting written confirmation that your refund has been processed and the expected credit date. This creates a second layer of documentation. Once the refund appears in your account, retain that bank statement as proof of the refund completion.
Contact information for Checkmyfile cancellation requests
Submit your cancellation request to the registered address of Credit Reporting Agency Limited, trading as Checkmyfile. The official correspondence address is located in Lagos, Nigeria-contact their support team through the email address displayed in your account or their published support portal. Send all written cancellation and refund demands to this address via email with a read receipt or registered delivery to establish proof of receipt.
Cancelling your subscription need not be complex or fraught with risk. By following the procedural steps outlined above and understanding your rights under Nigerian consumer law, you retain full control over your account and payments. Yafee has helped thousands of consumers cancel services cleanly and recover refunds when companies resist, and we stand ready to support your cancellation journey. Whether you choose to cancel via the dashboard, email, or your bank, document every step and preserve all confirmations. Should Checkmyfile refuse to honour your cancellation or continue billing you after your request, escalate immediately to the FCCPC or your bank-you hold the law's backing, and enforcement agencies exist to compel compliance. Cancel with confidence knowing your rights are protected.