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Frequently asked questions
Cancel Equifax: The Right Way
How to cancel your Equifax subscription in singapore and protect your credit file
Why you might want to cancel Equifax
Equifax is a global credit reporting agency that collects, maintains, and distributes credit information about individuals and businesses. In Singapore, Equifax operates through registered entities including Equifax Australasia Group Services Pty Ltd, providing credit reports, credit scores, and identity-protection monitoring services to consumers and businesses across the region.
You may subscribe to Equifax for periodic credit checks, identity protection monitoring, or subscription-based credit report access. However, if you no longer need these services, have found an alternative provider, or want to reduce your monthly expenses, cancelling your subscription is straightforward once you understand your options. Yafee has helped thousands of consumers navigate credit monitoring cancellations with confidence and clarity.
Common reasons to cancel your subscription
You might choose to cancel if the service no longer provides value, you prefer a competitor's offering, you are concerned about data privacy, or you simply want to pause monitoring temporarily. Some subscribers cancel after discovering cheaper alternatives, whilst others exit because they received inaccurate credit information that the company failed to correct promptly. Whatever your reason, you have the right to cancel at any time, and Yafee will ensure you understand your options and consumer protections under Singapore law.
What cancellation means for your credit profile
Cancelling your Equifax subscription does not remove your credit history or alter your credit score. Equifax will continue to hold your historical credit data as a credit reporting agency, even after you stop paying for their monitoring service. Your credit file remains available to lenders and financial institutions who request it. You simply cease access to Equifax's consumer-facing monitoring dashboard and alerts. This distinction matters: cancellation stops the service, not the agency's role as a credit reporter.
Your consumer rights when cancelling in singapore
Singapore's consumer protection framework safeguards your rights as a subscriber, even when dealing with international companies like Equifax.
Consumer protection (Fair trading) act
The Consumer Protection (Fair Trading) Act is the primary legislation protecting you in Singapore. Under this Act, you have the right to cancel certain contracts within a cooling-off period, typically 5 working days from the date you enter the contract, provided specific conditions apply. Equifax must clearly disclose cancellation terms in writing before you subscribe.
If Equifax has misrepresented its services, failed to honour a refund promise, or locked you into an unfair contract, you can lodge a complaint with the Consumers Association of Singapore (CASE) or escalate to the Ministry of Trade, Industry and Enterprise (MTIE). Yafee recommends keeping all confirmation emails, screenshots of subscription details, and correspondence with Equifax for any dispute. These records form your evidence trail if you need to pursue a formal complaint.
Your legal position: You are entitled to cancel Equifax within 5 working days of purchase if you meet the cooling-off criteria set by the Consumer Protection (Fair Trading) Act. After this period, standard cancellation terms apply, though you retain the right to end the subscription. If Equifax refuses to honour a cancellation or withholds a refund without legal justification, you can escalate to CASE, which investigates consumer disputes at no cost to you.
Distance selling and withdrawal rights
If you purchased your Equifax subscription online or by phone, you may fall under distance selling regulations. These rules typically allow you to withdraw within 14 calendar days without penalty, provided you notify Equifax in writing. After 14 days, standard cancellation terms apply, though your account can still be cancelled. You may be entitled to a partial refund depending on your plan type and how much of your subscription you have already used.
Where to send your cancellation request
Equifax does not publicly list a dedicated cancellation address on its Singapore website, so you must contact the main registered office or use in-account self-service options where available.
Primary contact details for Equifax in singapore
The main registered office for Equifax Australasia Group Services Pty Ltd in Singapore serves as the default contact point for cancellation requests. Send written cancellation notices to this address to create a documented record of your request. Yafee advises using registered post or email with read receipts to confirm delivery.
| Entity name | Equifax Australasia Group Services Pty Ltd |
| Jurisdiction | Singapore |
| Inquiry method | Email customer support or visit equifax.com.sg for current contact details |
| Recommended approach | Use Equifax's online account dashboard first, then follow up with written email if self-service fails |
| Document requirement | Keep copies of all correspondence, confirmation numbers, and timestamps |
| Processing timeline | 5 to 10 working days after written notice |
How to cancel your Equifax subscription by platform
Your cancellation route depends entirely on where you purchased your subscription and how you access Equifax's services.
Cancel via the Equifax website account
If you subscribed directly through Equifax's website and manage your account online, you can cancel within the account dashboard. This is the fastest method and generates an immediate confirmation.
- Visit equifax.com.sg and log in with your registered email and password.
- If you have forgotten your password, click "Forgot password?" and follow the reset link sent to your email.
- Navigate to your account settings or subscription management section.
- This is typically labelled "My Account", "Subscriptions", "Billing", or "Membership" depending on your account type.
- Locate the active subscription you wish to cancel.
- The subscription will display your plan name, renewal date, and current billing amount.
- Select the cancellation or "End subscription" button next to your active plan.
- Equifax may ask you to confirm your reason for cancellation. Provide a reason if prompted, though this is optional.
- Review the cancellation summary.
- This summary will confirm your final billing date and any refund you are entitled to receive.
- Click "Confirm cancellation" or "Complete cancellation" to finalise the request.
- You will receive an on-screen confirmation and a confirmation email within 24 hours.
- Save or print your confirmation email as proof of cancellation.
- Store this document for at least 12 months in case you need to dispute a future charge.
Cancel an apple app store subscription
If you subscribed to Equifax through Apple's App Store, you must manage the cancellation through Apple's own subscription settings, not through Equifax directly. Apple processes all refunds and cancellations for App Store subscriptions independently.
- Open the Apple App Store on your iPhone, iPad, or Mac device.
- Ensure you are logged in with the Apple ID that purchased the Equifax subscription.
- Tap or click on your profile icon in the top-right corner of the App Store.
- On older iOS versions, you may need to tap "Updates" at the bottom of the screen first.
- Select "Subscriptions" from the profile menu.
- This displays all active subscriptions linked to your Apple ID.
- Find "Equifax" or the specific credit monitoring plan name in your subscriptions list.
- Tap on the subscription to view its details, renewal date, and billing amount.
- Tap "Cancel subscription" or the red "Cancel" button.
- Apple will ask you to confirm cancellation and may offer you a retention discount. Decline if you wish to proceed.
- Confirm the cancellation in the final prompt.
- Your subscription will end on the current renewal date, and you will receive an email confirmation from Apple.
- Save the Apple confirmation email for your records.
- Apple's cancellation confirmations serve as proof if Equifax later disputes the cancellation.
Cancel a google play subscription
If you subscribed through Google Play on an Android device, Google manages the subscription independently. You must cancel through Google Play, not Equifax directly. Google processes all refunds and cancellations for Play Store subscriptions.
- Open Google Play on your Android device or visit play.google.com on a web browser.
- Ensure you are logged in with the Google Account associated with the Equifax subscription.
- Tap on your profile icon in the top-right corner and select "Payments and subscriptions".
- On the web version, click "Manage subscriptions" under your account menu.
- Select "Subscriptions" to view all active subscriptions.
- You will see a list of all active and past subscriptions linked to your Google Account.
- Tap "Equifax" or the credit monitoring plan name to open the subscription details.
- The screen will display your plan, renewal date, and next billing amount.
- Select "Cancel subscription" or the cancel button.
- Google may offer retention options or discounts. You can decline these to proceed with cancellation.
- Confirm the cancellation in the final dialog box.
- Your subscription will end on the current renewal date, and Google will send you a confirmation email.
- Keep the Google Play confirmation email in your records.
- This serves as proof of cancellation if any disputes arise with future billing.
Cancel by contacting Equifax customer support
If the self-service methods above are unavailable or unsuccessful, you can cancel by contacting Equifax's customer support team directly. This method creates a documented record of your cancellation request, which is useful if disputes arise later.
- Gather your account details before contacting support.
- Have your Equifax account email, registered phone number, and subscription plan name ready.
- Email Equifax's customer support address (available on equifax.com.sg).
- Use the subject line: "Request to cancel subscription [your account email]".
- In the email, include the following information:
- Your full name as it appears on your account.
- Your registered email address and phone number.
- A clear statement: "I request to cancel my Equifax subscription effective immediately."
- The date you wish the cancellation to take effect (or request immediate cancellation).
- Request written confirmation of cancellation.
- Ask Equifax to reply with a cancellation confirmation number and the date your account will be closed.
- Send the email from your registered email address using a method that provides read receipts or delivery confirmation.
- Gmail, Outlook, and most corporate email systems offer this feature in their settings.
- Wait for a response within 5 to 10 working days.
- If you do not receive a response, follow up with a second email or contact customer support by phone if a number is listed on the website.
- Save all correspondence, including your original email and Equifax's reply.
- Create a folder in your email for all cancellation-related documents.
Understanding equifax's refund policy
Your refund eligibility depends on when you cancel relative to your renewal date and whether you fall within the cooling-off period.
Refunds within the cooling-off period
If you cancel within 5 working days of purchase under the Consumer Protection (Fair Trading) Act, Equifax must refund the full amount of your subscription fee. This refund applies regardless of whether you used the service. Yafee advises requesting the refund explicitly in your cancellation notice to avoid delays.
Refunds after the cooling-off period
Cancellations made after the 5-working-day cooling-off period may not entitle you to a full refund. However, if you cancel before your next renewal date, you should not be charged for the upcoming billing cycle. Equifax should refund any unused portion of your current subscription on a pro-rata basis. For example, if you paid for a monthly plan on day 15 of a 30-day cycle and cancel on day 20, you are entitled to a partial refund for the unused 10 days.
| Cancellation timing | Refund entitlement | Processing time |
| Within 5 working days of purchase | Full refund of subscription fee | 5 to 10 working days |
| After 5 working days, before next renewal | Pro-rata refund of unused days (if applicable) | 5 to 10 working days |
| On or after renewal date | No refund; no further charges if cancelled immediately | N/A |
| During promotional pricing period | Refund based on discounted rate, not standard rate | 5 to 10 working days |
| Cancelled due to company error or misrepresentation | Full refund possible; escalate to CASE if disputed | 10 to 15 working days |
How to claim a refund
If you are entitled to a refund, Equifax should process it automatically after you cancel. However, if no refund appears within 10 working days, contact Equifax's customer support in writing. Yafee recommends referencing your cancellation confirmation number and requesting an explicit refund confirmation.
What happens after you cancel
Cancelling your subscription does not end instantly; several important changes occur over the following days and weeks.
Access ends on your renewal date
When you cancel, Equifax will allow you to access your account until the end of your current billing cycle. After that date, your login credentials will stop working, and you will no longer receive monitoring alerts or credit reports through Equifax's portal. If you cancel mid-cycle, you can typically access the service until the full month or year you paid for expires.
No further charges after cancellation
Once you cancel, Equifax will not charge you for any renewal periods. If you receive a charge after cancellation, contact Equifax immediately and request a chargeback from your bank or payment provider if the company refuses to refund. Keep your cancellation confirmation email to dispute any unauthorised charges.
Your credit file remains on record
Cancelling Equifax does not erase your credit history. Equifax maintains your credit file as a credit reporting agency regardless of whether you subscribe to their consumer monitoring service. Lenders, landlords, and employers can still request your credit report through Equifax. Your cancellation only stops your access to Equifax's paid monitoring dashboard.
Request a statutory credit report after cancellation
In Singapore, you have the right to request a free statutory credit report from Equifax once every 12 months under the Consumer Protection (Fair Trading) Act. You can do this even after cancelling your paid subscription. Contact Equifax to request this free report if you want to monitor your credit profile without paying for a subscription.
Common mistakes to avoid when cancelling
Cancellation is straightforward, but several mistakes can lead to unexpected charges, lost refunds, or disputes with Equifax. Stay alert and follow these steps to protect yourself.
Mistake 1: cancelling through the wrong platform
If you subscribed through Apple App Store but attempt to cancel through the Equifax website, your cancellation will fail. Equifax has no control over App Store or Google Play subscriptions, so you must cancel through the platform where you purchased. Always verify where you subscribed before attempting cancellation. Check your first purchase confirmation email or your payment method's transaction history to confirm the source.
Mistake 2: assuming cancellation is complete without confirmation
Never assume your cancellation is finalised without written confirmation. Many cancellations fail silently due to system errors or incomplete submissions. Always request and save a cancellation confirmation number from Equifax. Yafee advises taking a screenshot of the on-screen confirmation if cancelling through the website, in case the confirmation email is delayed or lost.
Mistake 3: cancelling without capturing your billing cycle date
If you do not know your renewal date, you may cancel and still be charged before the cancellation takes effect. Check your Equifax account or most recent billing statement to confirm when your next renewal occurs. If you cancel immediately before your renewal date, Equifax may still process one final charge. Request an immediate refund for this charge if it occurs.
Mistake 4: not requesting a refund explicitly
Equifax may process your cancellation but forget to refund your pro-rata fees if you do not specifically ask. Include the line "Please refund any unused subscription fees to my original payment method" in your cancellation request. This creates a paper trail if a dispute arises.
Mistake 5: continuing to use the service after notifying cancellation
If you cancel and then continue to use Equifax's monitoring features during your final billing cycle, Equifax may refuse refund claims, arguing you benefited from the service. Once you cancel, cease using the service to strengthen your position if a refund dispute emerges.
Comparing Equifax with alternative credit monitoring services
Before you cancel, you may want to understand how Equifax compares to other credit reporting services available in Singapore and which might serve you better.
| Service | Subscription model | Features | Cancellation ease |
| Equifax (free statutory report) | Free annual report or paid monthly monitoring | Credit score, identity alerts, report access | Straightforward via website or email |
| Experian credit monitoring (if available in SG) | Monthly subscription | Credit score, fraud alerts, report disputes | Email or phone cancellation |
| Credit Bureau Singapore (CBS) report | Free or pay-per-report model | Official credit report, no ongoing monitoring | N/A (pay-per-use) |
| Bank-provided credit monitoring (various banks) | Often free for account holders | Basic credit alerts, limited monitoring | Remove through bank portal or cancel account |
| International services (Experian UK, TransUnion) | Monthly or annual subscription | Comprehensive monitoring, multiple reports | Online dashboard or email |
Your next steps and how yafee can help
Cancelling your Equifax subscription is a simple process once you understand your rights and the correct procedures. Start by confirming where you subscribed, then follow the platform-specific steps outlined above. If you encounter resistance, document all correspondence and escalate to the Consumers Association of Singapore (CASE) if Equifax refuses a legitimate refund or fails to honour your cancellation.
Yafee has helped thousands of consumers cancel unwanted subscriptions, dispute unfair charges, and recover refunds from international service providers. If you need guidance on your specific situation, require help drafting a formal complaint letter, or want to understand your rights further, Yafee's contract law specialists are available to advise. Visit yafee.com to access additional resources on consumer protection, subscription management, and credit reporting rights in Singapore. Yafee ensures you understand not just how to cancel, but why your cancellation request must be honoured under Singapore law.
Cancellation address and contact information
Send all written cancellation requests to Equifax's Singapore office to create a documented record of your request.
| Detail | Information |
| Company name | Equifax Australasia Group Services Pty Ltd |
| Jurisdiction | Singapore |
| Contact method | Email via equifax.com.sg customer support portal |
| Postal address | Check equifax.com.sg for current registered office address |
| Escalation (if refused) | Consumers Association of Singapore (CASE) or Ministry of Trade, Industry and Enterprise (MTIE) |
| Recommended method | Self-service via website dashboard first; email for documented cancellation |
Equifax must respond to written cancellation requests within 5 to 10 working days. If you do not receive confirmation, follow up with a second email or contact CASE. Yafee recommends keeping all correspondence for at least 12 months after cancellation, as this protects you against disputed charges or refund claims. Your cancellation is legally binding once Equifax acknowledges it in writing, so never allow delays or silence to discourage you from pursuing your right to cancel.
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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