What is the EQUIFAX* COMPLETE charge?

Why it shows up like this

A transaction labeled EQUIFAX* COMPLETE on your card statement denotes an ongoing paid membership for Equifax Complete Credit Monitoring, sold by Equifax Inc. Equifax is one of the major nationwide consumer reporting bureaus, operating alongside industry peers like Experian and TransUnion. While federal regulations require credit bureaus to provide credit freezes and annual report disclosures without fee, Equifax markets paid monitoring packages such as Equifax Complete Premier that bill recurring monthly charges between $9.95 and $19.95.

This debit recurs automatically every thirty days. Most cardholders end up with this charge after enrolling during a major financial review, such as checking scores ahead of a mortgage application or tracking a dispute. Many subscribers mistakenly assume the fee was a one-off fee for an instant three-bureau credit score pull, only to find recurring monthly debits continuing unnoticed. In other situations, a low-cost promotional trial period quietly transitioned into standard billing.

To stop future charges, sign in to your consumer dashboard at my.equifax.com and navigate to the Member Center under Subscription and Billing to cancel online. You can also cancel over the telephone by contacting Equifax customer service at 1-866-640-2273. Canceling your paid subscription does not damage your credit standing, nor does it remove existing credit freezes. If you never registered an account with Equifax and suspect your credit card was compromised, report the fraudulent transaction to your banking institution immediately.

Common reasons for this charge

Paid credit monitoring plans often bill when users inadvertently agree to recurring subscriptions while attempting to check a score or resolve an account discrepancy.

• An ongoing monthly Equifax Complete Premier or Family plan renewed.
• A promotional trial expired and converted to a paid monthly plan.
• The user enrolled during a credit inquiry or dispute follow-up.

How to locate the invoice and cancel

You can review your billing receipts and terminate your paid membership directly through the Equifax Member Center.

1. Sign in to Equifax Go to my.equifax.com and log in with your username and password.
2. Open Membership Settings Select Member Center > Subscription & Billing.
3. Cancel Plan Click Cancel Subscription or call Equifax customer care at 1-866-640-2273.

Frequently Asked Questions

Here are key details regarding credit freeze rules and subscription refund policies with Equifax.

Dispute Rights & Fraud Prevention

If you did not sign up for Equifax Complete, check whether someone opened an unauthorized account with your details.

Dispute unauthorized transactions with your bank under the Fair Credit Billing Act within 60 days of the charge.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• Equifax Terms of Use https://www.equifax.com
• CFPB: How Credit Monitoring Works https://www.consumerfinance.gov