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Cancel Creditsecure: The Right Way
How to cancel creditsecure in canada: your step-by-step guide
What is creditsecure and why canadians are cancelling
Creditsecure is a credit-monitoring and identity-protection service linked to American Express and ConsumerInfo. It promises to watch your credit file, send you alerts about changes, and help protect your identity. You typically encounter it as an add-on subscription when you enroll through app stores or ConsumerInfo.com, often triggered by a promotional offer or automatic enrollment as a cardholder benefit.
The service operates on U.S. terms and billing, even when you use it in Canada. That distinction matters legally: if you're unhappy with charges, your Canadian consumer protection rights give you specific levers to challenge them. At Stopee, we help thousands of Canadians understand their options when subscription services don't deliver the value they expected.
Whether Creditsecure stopped meeting your needs, your credit monitoring elsewhere is sufficient, or you simply want to cut subscription clutter, cancelling is straightforward once you know your options. This guide walks you through every method, refund rules, and your consumer rights under Canadian law.
Why you might want to cancel
You may be cancelling because you discovered free credit-monitoring tools (like Equifax or TransUnion's own offerings) cover the same ground. Or perhaps you enrolled during a promotional period and the renewal price is higher than expected. Some Canadians cancel because they're consolidating services or found better identity-theft protection elsewhere. Whatever your reason, you have the right to stop the charges immediately and, in many cases, claim a refund.
Stopee's role in helping you cancel
Stopee specializes in helping Canadians navigate tricky cancellations, understand their refund rights, and avoid dark patterns that companies use to trap you in recurring charges. We've flagged the common mistakes people make with Creditsecure and the specific steps that work fastest.
Your consumer rights in canada
Canadian consumer protection laws are your strongest tool when a company refuses to refund you or makes cancellation deliberately hard.
What the consumer protection act guarantees you
Under the Canadian Consumer Protection Act (federal) and equivalent provincial laws in Ontario, British Columbia, and other provinces, you have the right to cancel a subscription and receive a refund if the service fails to deliver as promised or if charges were unauthorized. If Creditsecure billed your card without clear consent, or if you cancelled within a cooling-off period (typically 14 days for distance contracts), you may qualify for a full refund.
Additionally, if Creditsecure charged you a US$1 "initial fee" that was described as a free trial but turned out non-refundable, and you did not explicitly consent to that charge, you have grounds to dispute it with your card issuer under your chargeback rights.
How to escalate if creditsecure refuses
If Creditsecure or ConsumerInfo ignores your cancellation request or denies your refund unjustly, contact your provincial consumer protection office. In Ontario, that's the Government of Ontario's Consumer Protection Act branch. In British Columbia, it's the Consumer Protection BC authority. These agencies can investigate on your behalf and force compliance. Stopee recommends keeping dated records of every contact attempt so you have evidence for your complaint.
Pricing, plans, and billing cycles
Understanding what you're paying for helps you calculate your refund and decide whether cancellation is urgent.
Creditsecure's typical pricing and terms
| Plan type | Typical cost | Billing cycle | Refund policy |
|---|---|---|---|
| Monthly subscription | CAD $10-$15 per month (varies by offer) | Monthly, auto-renewal | No refund once the month begins; access continues until the current period ends |
| Annual subscription (best value if keeping) | CAD $100-$150 per year (varies by offer) | Annual, auto-renewal | Pro-rated refund may apply; service may end immediately upon cancellation |
| Initial or promotional period | USD $1 initial charge (reported non-refundable) | One-time initial, then recurring per selected plan | Refund disputed in many cases; your card issuer can override this if consent was unclear |
Conversion to Canadian dollars depends on your card issuer's exchange rate at the time of billing, so actual charges may fluctuate slightly. Warning: The "free trial" that costs USD $1 has generated refund disputes because the initial charge is often buried in terms or described ambiguously. If you see this charge on your statement and do not recall consenting to it, you have the right to dispute it.
How to cancel creditsecure: step-by-step by method
Creditsecure offers six primary cancellation routes. Choose the one that matches how you enrolled.
Cancel through the apple app store (iPhone or iPad)
If you enrolled via iTunes or the Apple App Store, this method is fastest because Apple processes your cancellation within seconds.
- Open the Settings app on your iPhone or iPad.
- Tap your Apple ID at the top of the screen.
- Select Subscriptions.
- Locate and tap Creditsecure from the list.
- Tap Cancel Subscription or Turn Off Auto-Renewal (wording varies by iOS version).
- Confirm the cancellation when prompted.
- You'll see a refund eligibility message; if approved, the refund processes within 5-7 business days.
Pro tip: Take a screenshot of the confirmation screen showing the cancellation date and time. Apple's support site at support.apple.com/HT202039 has additional troubleshooting if the subscription does not disappear immediately.
Cancel through google play (Android)
Android users enrolled via Google Play follow a similar but slightly different path.
- Open the Google Play Store app on your Android device.
- Tap the Menu icon (three horizontal lines) in the top left.
- Select Subscriptions.
- Find and tap Creditsecure.
- Tap Cancel subscription.
- Follow the on-screen prompts and confirm your cancellation reason (optional, but helpful data).
- Google Play will show a cancellation confirmation number; note it.
Pro tip: Google Play's support site (support.google.com/googleplay/answer/7018481) offers live chat if your subscription does not cancel on the first attempt. Keep your confirmation number handy when you contact them.
Cancel by email
Email is effective because it creates a written record that Stopee recommends you keep forever.
- Compose a new email to support@creditsecure.com.
- Write "Cancellation Request" as the subject line.
- Include the following details in the body:
- Your full name.
- The email address associated with your Creditsecure account.
- The last four digits of the payment card on file.
- The approximate date you enrolled or started the subscription.
- A clear statement: "I request immediate cancellation of my Creditsecure subscription effective immediately. Please provide written confirmation of the cancellation date and any applicable refunds."
- Send the email and wait 3-5 business days for a response.
- If you do not hear back, resend the email with "Follow-up: Cancellation Request" as the subject and reference your original send date.
Warning: Some cancellation requests sent to generic support emails get lost or deprioritized. If Creditsecure does not respond within 5 business days, escalate to your card issuer and file a chargeback dispute, citing "service not cancelled despite cancellation request."
Cancel by phone
A phone call gives you immediate confirmation and lets you ask questions in real-time.
- Call 1-866-617-1893 (U.S. toll-free number; available to Canadian callers).
- When a representative answers, state clearly: "I want to cancel my Creditsecure subscription immediately."
- Be ready to provide your account email and the last four digits of your payment card for verification.
- Ask the representative for:
- A confirmation number for the cancellation.
- Their full name and the date/time of the call.
- Written confirmation via email within 24 hours.
- Information about any refund eligibility.
- If offered a discount or incentive to stay, politely decline and restate that you want the cancellation processed.
- After hanging up, note the date, time, agent name, and confirmation number in a document you save indefinitely.
Pro tip: Call early in the morning (9 a.m. to 11 a.m. Eastern time) to reach a representative quickly. If you reach voicemail, leave a detailed message with your callback number and request a response within 24 hours. This message becomes a time-stamped record.
Cancel by postal mail (certified mail recommended)
This method is slow but creates the strongest legal proof of cancellation. Stopee strongly recommends certified mail for Creditsecure because ConsumerInfo.com is a U.S. entity and documented proof protects you if disputes arise.
- Write a cancellation letter on plain paper:
- Include your full name, account email, and the last four digits of your payment card.
- Write: "I request immediate cancellation of my Creditsecure subscription effective today. Please confirm the cancellation date, final billing date, and any applicable refunds in writing within 10 business days."
- Sign and date the letter.
- Address the envelope to:
Creditsecure c/o ConsumerInfo.com, Inc.
PO Box 1459
Allen, TX 75013
USA - Visit Canada Post or a postal outlet in your area.
- Purchase Xpresspost International Tracked or equivalent certified mail service that provides a tracking number and signature confirmation.
- Send the letter and keep your receipt showing the tracking number and delivery confirmation.
- Allow 7-14 business days for delivery, then check your email for Creditsecure's written confirmation.
Warning: Never send cancellation requests by regular mail without tracking. If Creditsecure claims they never received your letter, you'll have no proof. Certified mail costs around CAD $15-$20 but is worth every penny for peace of mind.
Use a third-party cancellation service
Services like DoNotPay or TrustAgent submit cancellation requests on your behalf and follow up if the company does not respond.
- Visit the cancellation service's website and locate Creditsecure in their list of supported services.
- Authorize the service to access your account or provide your Creditsecure account details (email and last four digits of payment card).
- The service sends a cancellation request on your behalf and tracks the response.
- If Creditsecure does not respond or refuses, the service escalates the issue and may initiate a chargeback dispute with your card issuer.
- You receive updates via email and can log into your account on their platform to monitor progress.
Pro tip: Third-party cancellation services charge a fee (typically CAD $10-$30) but save you time and handle follow-ups if Creditsecure is unresponsive. Stopee has found them especially useful for companies that deliberately hide cancellation options.
Understanding what happens after you cancel
Cancellation and service ending are not always simultaneous, and refunds depend on your plan type and billing cycle.
Access after cancellation
When you cancel a monthly Creditsecure subscription, you retain full access through the end of the current billing month. Auto-renewal turns off, so you will not be charged again, but you get the service you already paid for until that period ends. For annual plans, cancellation may end access immediately or allow access through the current billing year, depending on Creditsecure's terms and your card issuer's policy.
Pro tip: If you cancel mid-month on an annual plan, download or screenshot any credit reports, alerts, or documents Creditsecure provided. Once access ends, you may not be able to retrieve them.
Refund timelines and eligibility
Monthly plans typically offer no refund once the billing period has started. You keep access through the end of that month and avoid future charges. Annual plans may qualify for a pro-rated refund: if you enrolled 3 months ago and cancel now, you might receive a refund covering 9 unused months, calculated as a percentage of the annual fee.
Refunds appear in your original payment method within 5-10 business days, though your card issuer may take another 1-3 days to post the credit visibly. If you do not see the refund after 15 days, contact your card issuer and ask them to trace it.
Account deletion and data retention
Cancellation does not automatically delete your account or personal data. Creditsecure and ConsumerInfo.com retain your information per their privacy policy, which is governed by U.S. law. If you want your account fully deleted, you must request it separately in writing and ask for written confirmation of the deletion or the retention period.
Send a data deletion request to support@creditsecure.com with the subject line "Account Deletion Request" and include your full name and account email. Request a response confirming the deletion date or explaining any legal retention requirements.
Will you get a refund?
Refund eligibility depends on your plan, when you cancel, and whether Creditsecure's original charges complied with your consent.
Refund scenarios and what to expect
Monthly plans: Stated policy is no refund. You keep access through the current month and stop future charges. However, if you cancelled within 14 days of your first billing date (a cooling-off period under Canadian distance-sale law), you can request a full refund. Contact your card issuer and cite the Consumer Protection Act.
Annual plans: Creditsecure states that pro-rated refunds are possible. If you enrolled January 1 and cancel April 1, calculate the refund as: (annual fee ÷ 12 months) × 9 remaining months. Creditsecure typically processes this automatically, but if they refuse, escalate to your card issuer.
Initial USD $1 charge: Many Canadians report this charge as non-refundable in Creditsecure's terms. However, if the charge was not clearly disclosed as mandatory before you enrolled, you have a legitimate dispute. Contact your card issuer, explain that you did not authorize the USD $1 charge, and ask them to reverse it under chargeback rules. Stopee has helped many customers recover these disputed charges.
Chargeback: your strongest refund tool
If Creditsecure refuses a refund you believe you deserve, contact your card issuer and file a chargeback dispute. Explain that you cancelled but were not refunded, or that you did not authorize the initial charge. Your card issuer investigates and, if they find in your favor, reverses the charge within 30-60 days. This is a federal right under Canadian banking law and does not require Creditsecure's permission.
Common mistakes people make when cancelling
Cancellation can be frustrating when you hit unexpected obstacles. Here are the traps we see most often and how to avoid them.
Mistake 1: turning off auto-renewal but not fully cancelling
Many people disable auto-renewal through their app store but assume the subscription is cancelled. It is not. Disabling auto-renewal stops future charges but does not cancel the current billing period. If you want immediate cancellation and a refund, you must take an additional step by contacting support@creditsecure.com or calling 1-866-617-1893.
Mistake 2: not documenting your cancellation request
Cancelling by phone without recording the agent's name, confirmation number, and date leaves you defenseless if Creditsecure claims they never received your request. Always ask for a confirmation number and email confirmation. Save screenshots and records forever.
Mistake 3: missing the 14-day cooling-off window
Canadian distance-sale law gives you 14 days from the date of your first billing to cancel and receive a full refund, no questions asked. After 14 days, refund eligibility depends on Creditsecure's stated terms. If you enroll today, you have until day 14 to cancel and reclaim 100% of your money. After day 15, you're subject to the monthly/annual refund policy, which may offer nothing.
Mistake 4: accepting a discount or retention offer
When you call to cancel, Creditsecure's support team may offer you a steep discount or a free month to stay. If you've decided to leave, politely decline and state that you want cancellation processed immediately. Accepting the offer resets your billing cycle and may trap you in another year of charges.
Mistake 5: ignoring your card statement after "cancellation"
Some customers cancel but do not monitor their card statements. Weeks later, they discover Creditsecure charged them again. Check your statement weekly for the first month after cancellation. If you see a charge, immediately contact your card issuer and file a chargeback for an unauthorized charge.
After your cancellation: next steps
Cancelling is the first step; protecting yourself from re-enrollment is the second.
Confirm cancellation in writing
Within 1 week of cancelling by phone, email, or app store, request written confirmation from Creditsecure. Send an email to support@creditsecure.com with the subject "Confirm Cancellation" and reference your cancellation date and confirmation number. Creditsecure must respond within 5 business days. If they do not, forward their silence to your card issuer as evidence of non-compliance.
Monitor your card statements
For 2 months after cancellation, check your monthly statement and credit card app weekly. Look for any charges labeled Creditsecure, ConsumerInfo, American Express, or suspicious recurring charges of USD $10-$20. If you see one, immediately contact your card issuer and ask them to reverse it as an unauthorized charge.
Check your app store subscriptions
Log back into the Apple App Store or Google Play Store 1 week after cancellation and verify that Creditsecure no longer appears in your active subscriptions list. If it still shows, cancel again immediately.
Delete or archive your records
Keep all cancellation confirmations, screenshots, confirmation numbers, and email chains for at least 1 year. Store them in a folder on your computer or cloud storage (Google Drive, OneDrive). If Creditsecure or your card issuer later disputes the cancellation, you'll have timestamped proof.
Your cancellation checklist
Use this checklist to ensure you've covered every step and left no loose ends.
| Task | Completed? | Date completed |
|---|---|---|
| Choose your cancellation method (app store, email, phone, mail, or third-party) | ☐ | |
| Submit cancellation request via your chosen method | ☐ | |
| Obtain and save confirmation number (if by phone) or screenshot (if by app) | ☐ | |
| Request written confirmation by email within 24 hours | ☐ | |
| Receive and save written cancellation confirmation | ☐ | |
| Check card statement 1 week later for unexpected charges | ☐ | |
| Verify app store subscription list is clear 1 week later | ☐ | |
| Follow up on refund if not received within 15 days | ☐ |
How to contact creditsecure and escalate complaints
Stopee recommends a clear escalation path if your cancellation request is ignored or your refund is denied.
Creditsecure contact information
Email: support@creditsecure.com
Phone: 1-866-617-1893 (U.S. toll-free, available to Canadian callers)
Mailing address for cancellation by postal mail:
Creditsecure c/o ConsumerInfo.com, Inc.
PO Box 1459
Allen, TX 75013
USA
Expected response time: Email requests typically receive a response within 3-5 business days. Phone cancellations are immediate. Mailed requests take 7-14 business days for delivery plus 5 business days for processing.
If creditsecure refuses to cancel or refund
First, request escalation to a supervisor by replying to the support agent's email or asking by phone. State: "I request escalation to a supervisor who can authorize my cancellation and refund."
If the supervisor also refuses, file a complaint with your provincial consumer protection authority:
- Ontario: Consumer Protection Act branch, Ontario.ca
- British Columbia: Consumer Protection BC, consumerprotectionbc.ca
- Alberta: Fair Trading Act, alberta.ca
- Canada-wide: Competition Bureau, Canada.ca (for unfair or deceptive billing practices)
Additionally, contact your card issuer and file a chargeback dispute for unauthorized or non-refundable charges. Your card issuer has the legal authority to reverse charges even if Creditsecure refuses.
Why stopee helps thousands of canadians cancel subscriptions
Cancelling a subscription should not be a treasure hunt. Creditsecure makes you choose between app store, email, phone, or postal mail, and each method has hidden traps: no refund on monthly plans, non-refundable "trial" charges, or silence from support.
Stopee exists to close that gap. We've mapped every cancellation method for Creditsecure, identified the legal levers you can pull under Canadian consumer law, and documented the common mistakes people make. Our guides have helped thousands of consumers recover refunds, avoid re-enrollment tricks, and understand their rights when companies make cancellation hard.
Whether you're cancelling Creditsecure today or planning to cancel in the future, Stopee is your reference. Bookmark this guide, save your confirmation numbers, and know that you have options-and rights-on your side. Cancellation empowers you to take control of your subscriptions and your wallet.