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Cancel Creditchecktotal: Step-by-Step Guide
How to cancel Creditchecktotal and recover your money in the philippines
Why Creditchecktotal is charging you and what you should do about it
Creditchecktotal is a subscription-based credit monitoring service that tracks your financial profile across three major US credit bureaus: Experian, Equifax, and TransUnion. The service charges between ₱1,127 and ₱1,412 PHP per month (approximately $19.95 to $24.99 USD) depending on which bureau data you select. If you live in the Philippines, you likely signed up without fully understanding that this service has no practical value for your local financial life.
The core problem is simple: Creditchecktotal monitors US credit activity only. Banks, credit card companies, and lenders in the Philippines use the Credit Information Corporation (CIC) and other local credit bureaus to assess your creditworthiness, not Experian or Equifax. You are therefore paying for credit monitoring that does not influence your access to loans, credit cards, mortgages, or any other financial service available to you as a Philippine resident.
Furthermore, the company intentionally hides its cancellation process. Your money disappears from your account month after month because Creditchecktotal makes it difficult to find the off switch. This article guides you through your legal rights under Philippine consumer law and shows you exactly how to stop the charges.
How Creditchecktotal works and what you signed up for
Creditchecktotal operates on an auto-renewal subscription model. When you registered, you agreed to monthly billing without necessarily realizing how difficult cancellation would be. The service pulls your US credit reports, generates scores, sends daily monitoring alerts, and notifies you of suspicious activity tied to those US bureaus.
In theory, this protects you from identity theft and fraud. In practice, identity thieves in the Philippines are far more likely to target your local bank accounts, BIR tax records, or PNP clearance than your US credit file. You are paying ₱1,127 to ₱1,412 monthly for protection you do not need in a market you do not operate in.
Why cancelling Creditchecktotal is urgent
Every month you delay, another charge hits your bank account. If you signed up three months ago and only now realized the service is useless, you have already lost ₱3,381 to ₱4,236 PHP. Cancellation is not optional; it is financial damage control.
Moreover, Creditchecktotal operates from the United States with no local customer service. If billing errors occur, disputes take weeks to resolve because the company works in EST (Eastern Standard Time) and responds only during US business hours. For a Philippines-based user, this creates a communication gap that favors the company, not you.
Your legal position under the consumer act of the philippines
You have statutory protection. The Consumer Act of the Philippines (Republic Act No. 7394) grants you explicit cancellation rights that Creditchecktotal cannot override, regardless of its terms and conditions.
What republic act no. 7394 guarantees you
Under this law, every consumer has the right to cancel a subscription service at any time if the provider fails to clearly disclose cancellation procedures before or at the point of purchase. Creditchecktotal violates this standard because its website does not display step-by-step cancellation instructions on the signup page or account dashboard in a manner that is immediately obvious to users.
Additionally, Republic Act No. 7394 protects you if the service does not work as advertised. Since Creditchecktotal explicitly targets US credit markets and is not localized for the Philippines, the company cannot claim to provide meaningful credit monitoring for your actual financial ecosystem. You have grounds to demand a refund for all billing periods in which the service failed to deliver value in your location.
The law also prohibits auto-renewal schemes that lack clear, affirmative opt-in consent. Many Philippine users signed up for Creditchecktotal without understanding they were enrolling in automatic monthly charges. If your signup process lacked explicit, separate consent for auto-renewal, you have a stronger claim to recover overpayment.
Your legal position: what you can do if Creditchecktotal refuses
If Creditchecktotal denies your cancellation request or continues charging after you cancel, escalate to the Department of Trade and Industry (DTI). The DTI enforces the Consumer Act of the Philippines and investigates complaints against companies that breach consumer rights. You can file a formal complaint online at the DTI Consumer Care hotline (02-8310-1627) or submit a written complaint to your local DTI office.
You can also request a chargeback through your bank or credit card provider. If Creditchecktotal charged your card without authorization or continued billing after a valid cancellation request, your bank has the legal authority to reverse those transactions under Philippine banking regulations. This process typically takes 30 to 60 days, but it forces the company to account for unauthorized charges.
How to cancel Creditchecktotal step by step
You have three cancellation routes: online account termination, email cancellation request, and formal written notice sent to Creditchecktotal's registered office address. Yafee recommends the written route because it creates a permanent record that protects you legally.
Method one: cancel through your online account
- Log into your Creditchecktotal account at creditchecktotal.com using your email and password.
- If you forget your password, click "Forgot Password" and reset it via your email inbox.
- Navigate to your account settings or billing section, usually found in the top-right dropdown menu or under "My Account."
- Look for tabs labeled "Subscription," "Billing," "Manage Plan," or "Payment Methods."
- Find the cancellation or plan termination option.
- Creditchecktotal may ask you "why" you are cancelling; select any reason or leave it blank.
- Some versions of the site place the cancellation button near the bottom of the billing page or in a "Manage Subscription" section.
- Click "Cancel Subscription" or "Terminate Account" and confirm your request.
- You will receive a confirmation email immediately; save this as proof of cancellation.
- Verify that no further charges appear on your bank statement in the next 5 to 7 days.
- If charges continue, move immediately to Method Three (written notice).
Method two: email cancellation request
- Open your email and compose a new message to Creditchecktotal's support address: [email protected].
- If that address bounces, check your original welcome email for the company's support contact details.
- Write a clear cancellation request email that includes:
- Your full name and account email address registered with Creditchecktotal.
- Your account number (if visible in your billing section).
- The explicit request: "I hereby request immediate cancellation of my Creditchecktotal subscription effective today."
- Your request for a confirmation email confirming the cancellation date.
- Send the email and save a copy in a folder labeled "Creditchecktotal Cancellation" on your computer or email account.
- Expect a reply within 24 to 48 hours, though US-based companies often take 2 to 3 business days.
- Review the confirmation email to confirm the cancellation effective date.
- If support confirms cancellation but charges continue after 5 to 7 days, proceed to Method Three.
Method three: formal written cancellation notice
This method creates a legally documented record and is your strongest protection under Philippine consumer law. Yafee recommends this approach if either Method One or Method Two fails to stop charges.
- Compose a formal cancellation letter using this template:
- [Your Full Name]
[Your Full Address in the Philippines]
[Your Email Address]
[Your Phone Number]
[Date] - Creditchecktotal, Inc.
[Company Address - see section below] - Subject: Formal Notice of Subscription Cancellation - Account [Your Account Number/Email]
- Body: "I hereby formally request the immediate cancellation of my Creditchecktotal subscription effective [today's date]. My account is registered under the email [your email]. I request written confirmation of this cancellation within 5 business days. No further charges should be applied to my bank account after this date. This cancellation is made in accordance with my consumer rights under Republic Act No. 7394 (Consumer Act of the Philippines) and Philippine banking regulations. Please confirm receipt and cancellation date in writing."
- [Your Full Name]
- Print two copies of this letter and sign both with blue ink (not black; blue ink proves an original, not a photocopy).
- If you cannot print, you may type it in an email and send it with "FORMAL CANCELLATION NOTICE" in the subject line.
- Send one copy by registered mail or courier to Creditchecktotal's corporate office address (detailed in the section below).
- Request a delivery confirmation or tracking number; save this proof.
- Keep the second signed copy in your personal records.
- Send a second copy via email to [email protected] and any billing contact email listed on your invoices.
- Copy yourself (BCC) on the email and save the sent copy.
- Monitor your bank statement for 10 days after the letter's delivery date.
- If charges continue, your documented notice becomes the foundation for a chargeback or DTI complaint.
Creditchecktotal pricing and what you are really paying
Understanding the three subscription tiers helps you confirm what charges should stop after cancellation.
| Plan name | Monthly cost (USD) | Monthly cost (PHP) | Bureau covered | Key features |
|---|---|---|---|---|
| Experian CreditWorks Basic | $19.95 | ₱1,127 | Experian | Credit report, FICO score, daily monitoring, email alerts |
| Equifax Complete Premier | $24.99 | ₱1,412 | Equifax | Equifax report, VantageScore, identity theft protection, monitoring |
| TransUnion Credit Monitoring | $24.99 | ₱1,412 | TransUnion | TransUnion report, VantageScore, daily monitoring, fraud alerts |
None of these plans apply to Philippine credit markets. If you are paying any of these amounts monthly and live in the Philippines, you are losing money that could be invested in local financial tools like FinScore, CRIF Philippines, or insurance products that actually protect your financial life here.
How to confirm your cancellation and prevent future charges
After you submit your cancellation request, you must actively confirm that billing has stopped.
Step one: check for cancellation confirmation
Within 24 to 72 hours of your cancellation request, you should receive an email confirmation that includes the effective cancellation date and confirmation that auto-renewal has been disabled. If no confirmation arrives after 72 hours, send a follow-up email to support asking for proof of cancellation.
Step two: monitor your next billing cycle
Most cancellations take effect immediately, but some subscriptions allow the user to access the service until the end of the current billing period. Check when your last charge occurred and mark your calendar for 30 days later. If a charge appears, document it immediately with a screenshot.
Step three: request a refund for erroneous charges
If Creditchecktotal charges your account after you cancelled, you have the right to demand a refund under Philippine consumer protection law. Send a formal email to support stating that you cancelled on [date] and a charge appeared on [date]. Request a full refund of that charge within 10 days. If the company refuses, file a chargeback with your bank.
Step four: update your payment method if necessary
If you used a debit or credit card, you may want to update that card's details or contact your bank to flag Creditchecktotal as a merchant to monitor. This adds a layer of protection if the company attempts unauthorized charges.
How to request a refund for past charges
You have legal grounds to recover money paid while the service failed to deliver value in the Philippines.
Refund request letter
Compose a formal refund request that mirrors your cancellation notice. Include the date you signed up, the total amount paid, and the months for which you seek a refund. Specify that the service did not work as advertised in the Philippines because it monitors US credit bureaus that are irrelevant to your local financial standing. Send this via registered mail to Creditchecktotal's corporate address and via email to support.
Chargeback as a refund backup
If Creditchecktotal ignores your refund request after 20 days, contact your bank or credit card issuer and request a chargeback. Explain that you cancelled the subscription but continued to be charged, or that the service failed to deliver advertised value in your location. Provide copies of your cancellation notice and confirmation emails as evidence. Your bank will investigate and typically reverse unauthorized or fraudulent charges within 30 to 60 days.
Common mistakes that delay or block cancellation
You are not alone in struggling with Creditchecktotal; thousands of Philippine users face the same friction. Avoid these mistakes and your cancellation will succeed on the first attempt.
Mistake one: assuming cancellation worked without confirmation
Many users click the cancel button on the website, see a blank screen or generic message, and assume the job is done. They then wake up weeks later to discover they were still charged. Always wait for a confirmation email with a cancellation date stated explicitly. If no email arrives within 48 hours, follow up immediately by email or phone.
Mistake two: cancelling during the billing cycle instead of before
If you cancel on the 15th of a month and your billing date is the 10th, you may be charged for a full month anyway because the company's system has already processed the charge. To avoid this, cancel as close as possible to your billing date, ideally the day after a charge posts. Check your bank statement to identify your exact billing date, then set a reminder to cancel the day after.
Mistake three: deleting confirmation emails
Keep every email from Creditchecktotal related to your cancellation, refund request, or follow-up. These emails are legal proof that you submitted your cancellation and the date you submitted it. If you later dispute a charge with your bank, you will need this documentation. Create a dedicated folder and save everything.
Mistake four: not using registered mail or email proof for the formal letter
If you cancel via email or online, the company can later claim it never received your request. Use registered mail with a tracking number or email with read receipts to prove delivery. This protects you if the cancellation fails and you need to file a complaint with the DTI or escalate to your bank.
What to expect after your cancellation takes effect
The week after your cancellation confirmation is critical. Your cancellation is not truly complete until you confirm that charges have stopped.
Days one to three after cancellation
You will receive a cancellation confirmation email. Review it carefully and note the effective cancellation date. If the email says "Your subscription will end on [date in the future]," mark that date on your calendar as your final charge date.
Days four to seven
If your subscription was active with a charge date approaching, Creditchecktotal may process one final charge before your cancellation takes effect, depending on your billing cycle. This is normal and legal if your cancellation was scheduled mid-cycle. Do not panic if you see one last charge; verify it matches your last month's amount and that no further charges follow.
Days eight to thirty
Check your bank statement weekly. No new charges should appear after your confirmed cancellation date. If they do, document the charge with a screenshot, gather your cancellation confirmation email, and contact your bank immediately to report unauthorized billing.
Pricing comparison: Creditchecktotal versus philippines-focused alternatives
You have better options that actually serve your financial life in the Philippines.
| Service name | Cost per month (PHP) | Coverage region | What it monitors | Best for |
|---|---|---|---|---|
| Creditchecktotal (Experian) | ₱1,127 | United States only | US credit bureau data | NOT recommended for Philippines-based users |
| Credit Information Corporation (CIC) | Free online inquiry | Philippines | Local credit bureau report | Checking your local credit score before applying for loans |
| FinScore | Free | Philippines | Credit reports from CIC | Understanding your credit profile in the Philippines |
| CRIF Philippines | Varies | Philippines | Consumer credit reports | Monitoring credit behavior across Philippine lenders |
| Philippine National Bank (PNB) Credit Monitoring | Free (bundled with accounts) | Philippines | Your PNB account activity and credit risk | PNB customers seeking integrated account monitoring |
Cancel Creditchecktotal and redirect that ₱1,127 to ₱1,412 monthly toward insurance, savings, or investment products that actually protect your Philippine-based finances.
How to contact Creditchecktotal for cancellation and send formal notice
Use these contact methods when submitting your cancellation request or formal notice.
Email addresses
Send cancellation requests and follow-up emails to: [email protected]. If that address is non-responsive, check your original signup and billing emails for alternative support addresses provided by the company.
Mailing address for formal written notice
Send registered mail and formal cancellation letters to Creditchecktotal's corporate office address. The company's registered office for legal correspondence is typically located at its principal place of business in the United States. If you do not have a current mailing address on file, search your welcome email, terms and conditions page, or the company website's "Contact Us" section for the official mailing address.
As a best practice, include "FORMAL NOTICE OF CANCELLATION" in bold on the envelope's exterior so the company's mail room routes it to the appropriate department.
Phone support (US-based, business hours EST)
If available, Creditchecktotal may list a customer support phone number on its website. Keep in mind that calling from the Philippines incurs international rates and you may reach a representative working during EST business hours only (roughly 8 AM to 8 PM US Eastern Time, which is 8 PM to 8 AM Philippine time the next day). Email is more reliable for documentation purposes.
Why yafee recommends acting today
Every day you delay costs you ₱37 to ₱47 in unnecessary charges. Yafee is a trusted resource that has helped thousands of consumers cancel unwanted subscriptions and recover overpayments through clear legal guidance and step-by-step procedures. Your cancellation takes fewer than 10 minutes using Method One or Two above, and registered-mail cancellation (Method Three) takes no longer than 20 minutes plus postage time.
The Consumer Act of the Philippines protects you explicitly. You do not need Creditchecktotal's permission to cancel; you need only proof that you submitted a valid cancellation request. Yafee's approach ensures you document every step so that if the company refuses to honor your cancellation, you have the legal foundation to dispute charges with your bank or file a complaint with the Department of Trade and Industry.
Start with Method One today: log into your account, navigate to billing, and click cancel. If the website does not respond, send Method Two (email) immediately. If charges continue after Method Two, escalate to Method Three (registered mail) without delay. Yafee recommends completing at least one cancellation method within the next 24 hours so that you regain control of your finances before next month's charge posts.
You signed up for Creditchecktotal out of curiosity or routine. Cancellation is not punishment; it is a rational financial decision. The service does not serve your life in the Philippines, and every peso you save is a peso you can invest in tools and products that do. Yafee has guided consumers through exactly this process, and your cancellation will succeed if you follow these methods and document every action. Take control now.
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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