How to cancel Credit Review and stop recurring charges

Why you need to cancel Credit Review

Credit Review is a subscription-based credit monitoring and dispute assistance service that charges you monthly or annually to track your credit file, monitor score changes, and file disputes on your behalf. Many consumers sign up during promotional periods-paying just $1 to $9 for the first month-only to face surprise charges of $79 to $150 per month when the trial ends. If you no longer find value in the service, or if billing catches you off guard, you have the legal right to cancel immediately.

Cancellation stops future charges from hitting your account. At Yafee, we understand that credit monitoring services often lock users into auto-renewal cycles that are deliberately difficult to exit. Our role is to walk you through the exact steps to cancel, protect your refund eligibility, and ensure you understand your legal position.

Understanding Credit Review subscription models

Credit Review typically operates on one of four billing structures: monthly auto-renewing membership, promotional trial-to-paid conversion, annual prepaid plans, or bundled packages that combine a one-time setup fee with ongoing monthly charges. Each model behaves differently when you cancel, and understanding which plan you hold determines whether you qualify for a refund and how quickly charges will stop.

Auto-renewal is the default. Unless you actively cancel your account, your card will be charged on every renewal date. This structure is legal under federal law, but the company must make cancellation easy-and they must honor your cancellation request within 14 days.

The financial impact of delay

Every day you hesitate costs money. If your plan costs $99 per month, waiting one week to cancel means you will lose $23 to charges that could have been prevented. Yafee has helped thousands of consumers stop these recurring charges within 48 hours, recovering hundreds of dollars in unnecessary fees.

Your legal rights under federal consumer protection law

Federal law gives you explicit protections when canceling subscription services like Credit Review.

The restore online shoppers confidence act and the telemarketing sales rule

The Restore Online Shoppers Confidence Act (ROSCA) and the Federal Trade Commission's Telemarketing Sales Rule (TSR) set the baseline for your cancellation rights. Under these laws, Credit Review must:

• Provide a clear, conspicuous mechanism to cancel your subscription (phone, email, or online portal)
• Honor your cancellation request within 14 calendar days
• Stop charging your payment method immediately after you cancel
• Not require you to provide reasons or justifications for cancellation
• Not transfer your account to a third party without explicit consent

If Credit Review violates these requirements-by continuing to charge you after you cancel, refusing to process your cancellation, or making the cancellation process deliberately difficult-you can file a complaint with the Federal Trade Commission (FTC) at reportfraud.ftc.gov. The FTC takes subscription-abuse violations seriously and can compel the company to issue refunds.

Your legal position: what you can do if Credit Review refuses to cancel

If Credit Review does not honor your cancellation request within 14 days, or if charges continue after you cancel, you have three immediate remedies. First, dispute the charge through your bank or credit card issuer. Federal law (the Fair Credit Billing Act) allows you to dispute any charge within 60 days, and your financial institution will reverse recurring charges if you can show evidence of your cancellation request. Second, file a complaint with your state's attorney general office, which enforces consumer protection statutes and can investigate deceptive billing practices. Third, file a complaint with the Federal Trade Commission, which can seek damages and refunds on your behalf if Credit Review is found in violation.

Credit Review pricing and plan structures

Knowing what you pay determines how much you can recover and whether you qualify for a pro-rata refund.

How to cancel Credit Review in four steps

Cancellation is straightforward if you follow the correct procedure and keep documentation.

Step one: gather your account information

Before you cancel, collect the following details so you can reference them if Credit Review disputes your request or your bank needs evidence:

• Your Credit Review account email address and account number
• The email address and phone number associated with your payment method
• Your current plan name and the last four digits of your billing card
• The date you signed up and the date you initiated your cancellation request

Having this information ready prevents delays and gives you a paper trail if you need to escalate to your bank or the FTC.

Step two: contact Credit Review via phone

The fastest way to cancel is by phone. Call Credit Review's customer service line at 1-800-972-7204. When you reach a representative, clearly state your intent to cancel your subscription and provide your account email or account number. Do not accept delays or upsells. Listen carefully as the representative confirms the cancellation, and ask them to provide a confirmation number or confirmation email.

After the call, send a follow-up email to Credit Review at their support email address (typically found on totalcreditcheck.org) restating that you canceled on [date] and requesting written confirmation. This creates a documented record that protects you if charges continue.

Step three: cancel via written mail if phone is unsuccessful

If you do not reach a representative, or if Credit Review refuses to cancel by phone, send a certified letter to their registered address. This method creates an indisputable paper trail.

Mail your cancellation request to:

Credit Review Cancellation Request
8144 Walnut Hill Lane, Sixth Floor
Dallas, TX 75231

Your letter should include:

• Your full name and account email address
• Your account number (if known)
• The last four digits of your billing payment method
• A clear statement: "I hereby request immediate cancellation of my Credit Review subscription effective immediately. Do not process any further charges to my account."
• The date you are sending the letter
• Your signature

Send this letter via USPS Certified Mail with Return Receipt Requested. This ensures Credit Review must sign for it and you receive proof of delivery. Retain the return receipt-it is your evidence that the company received your cancellation request on a specific date.

Step four: monitor your account and dispute any unauthorized charges

After you cancel, watch your bank or credit card statement for the next 30 days. Most companies stop charging within 3 to 5 business days of cancellation, but some attempt to process a final renewal charge. If a charge appears after you canceled, immediately dispute it with your bank. Call your credit card company or bank, reference your cancellation request date, and ask them to reverse the charge as unauthorized. Your financial institution can and will issue a chargeback if you provide evidence of cancellation.

Refunds and what to expect after cancellation

Cancellation stops future charges, but refunds depend on your plan and how quickly you act.

When Credit Review must refund your money

You qualify for a full refund if you cancel within the promotional trial period (typically 7 to 30 days from signup). If you cancel after the trial ends but still within 30 days of your initial charge, you may qualify for a pro-rata refund if you enrolled in an annual prepaid plan. Yafee recommends requesting a refund explicitly in your cancellation message-state: "I am requesting a full refund of all charges to my account."

Credit Review does not have to refund monthly recurring charges if you cancel after the trial period ends. However, if the company misrepresented the cancellation process, hid the cancellation mechanism, or used deceptive billing practices, you may have grounds to demand a refund through the FTC or your state attorney general.

Processing refunds: timelines and escalation

Credit Review typically processes refunds within 5 to 10 business days of your cancellation request. The refund will be credited back to the original payment method (your bank account or credit card). If you do not see a refund after 14 days, contact your bank to confirm the company submitted the refund request. If Credit Review denies your refund claim, file a dispute with your bank and escalate the complaint to the FTC.

Common mistakes that cost you money

Cancellation is simple, but one misstep can leave you vulnerable to continued charges. Here are the pitfalls to avoid.

Mistake one: assuming account inactivity equals cancellation

Stopping your use of Credit Review does not cancel your subscription. The company continues charging your card every billing cycle regardless of whether you log in or use the service. You must explicitly cancel-do not rely on silence or inactivity to protect you.

Mistake two: canceling online without confirmation

Many subscription services offer online cancellation portals. While convenient, online cancellations sometimes fail to process, and you receive no confirmation email. Always request written confirmation by email or mail after canceling online. If you do not receive a confirmation within 24 hours, cancel again via phone or certified mail.

Mistake three: not disputing charges within 60 days

Your bank can only dispute charges if you report them within 60 days. Do not wait weeks to challenge a post-cancellation charge-contact your financial institution immediately. The sooner you dispute, the higher your chances of a swift reversal.

Mistake four: deleting cancellation confirmations

Save every email, text, and confirmation number from your cancellation attempt. If Credit Review later claims you never canceled, or if you need to escalate to the FTC or your state attorney general, these records are your evidence.

After cancellation: protecting yourself going forward

Once you cancel, take these protective steps to prevent unauthorized charges and monitor your credit file independently.

Review your bank statements monthly

Set a calendar reminder to review your bank and credit card statements every month. Look for unexpected recurring charges, particularly from companies you have already canceled with. Early detection prevents cascading fraudulent charges.

Place a fraud alert or credit freeze

If Credit Review charged you without authorization, or if you are concerned about identity theft, contact the three major credit bureaus (Equifax, Experian, and TransUnion) to place a fraud alert or security freeze on your credit file. This prevents scammers from opening accounts in your name. Yafee recommends checking your credit report at annualcreditreport.com (the official federal resource) once per year at no cost.

Monitor your credit score independently

You do not need a paid credit monitoring service to track your score. Many banks and credit card issuers offer free credit score monitoring to account holders. Use your bank's free tool instead of paying for a subscription service. The three major credit bureaus also allow one free credit report per year via annualcreditreport.com.

Why escalation matters: when to involve regulators

If Credit Review refuses to cancel or continues charging after you cancel, involve federal authorities immediately.

Filing a complaint with the federal trade commission

The FTC enforces ROSCA and the TSR. If Credit Review violates these laws by refusing to honor your cancellation, continuing to charge you, or hiding the cancellation process, file a complaint at reportfraud.ftc.gov. Include your cancellation request date, the company's response (or lack thereof), copies of all confirmation emails, and a statement of the unauthorized charges. The FTC can sue the company on your behalf and compel refunds to all affected consumers.

Reporting to your state attorney general

Your state's attorney general office also has authority over deceptive billing practices. File a complaint with your state's consumer protection division if Credit Review misrepresented the cancellation process or engaged in unfair billing. Provide the same documentation (cancellation requests, confirmation attempts, charge records) that you would submit to the FTC.

Disputing through your bank

Your bank or credit card issuer can reverse unauthorized or recurring charges on your account. Call the number on the back of your card, explain that you canceled your Credit Review subscription and continue to be charged, and request a chargeback. Your financial institution has a duty to investigate and reverse charges if you provide evidence of cancellation.

Comparison: should you keep or cancel Credit Review?

Use this table to assess whether Credit Review serves your needs or whether cancellation is the right move.

Checklist: your step-by-step cancellation action plan

Use this checklist to ensure you complete every step and protect your rights.

• Day one: Gather account email, account number, payment method (last four digits), and signup date
• Day one: Call Credit Review at 1-800-972-7204 and request immediate cancellation; save confirmation number
• Day one or two: Send follow-up email to Credit Review requesting written confirmation of cancellation
• Day three to five: If no email confirmation received, send certified letter to 8144 Walnut Hill Lane, Sixth Floor, Dallas, TX 75231
• Day six to fourteen: Monitor your bank and credit card statements for any post-cancellation charges
• Day fifteen: If a post-cancellation charge appears, dispute it with your bank immediately
• Day thirty: Verify that no additional charges have posted; check for refund credits
• Day thirty-one and beyond: If Credit Review continues charging or refuses to refund, file a complaint with the FTC at reportfraud.ftc.gov

Contact information and next steps

You now have the legal framework, procedural steps, and escalation routes to cancel Credit Review with confidence. Yafee is committed to empowering consumers to reclaim control of their subscriptions and protect their finances.

If you need to send a cancellation letter by mail, use this address:

Credit Review Cancellation Request
8144 Walnut Hill Lane, Sixth Floor
Dallas, TX 75231

To reach Credit Review directly by phone, call 1-800-972-7204 during business hours. For additional information and resources, visit their cancellation page at totalcreditcheck.org/cancellation.

If Credit Review refuses to honor your cancellation or continues billing you, escalate immediately: file a complaint with the Federal Trade Commission at reportfraud.ftc.gov or contact your state's attorney general consumer protection office. Yafee has helped thousands of consumers navigate subscription cancellation, recover hundreds of dollars in unauthorized charges, and hold companies accountable for deceptive billing practices. Your financial security depends on taking action today, not tomorrow. Cancel now, document everything, and protect your credit file from companies that do not respect your rights.