How to Cancel Your Credit Sesame Premium Subscription?
Want to downgrade or cancel your Credit Sesame paid membership? This comprehensive guide covers everything you need to know about terminating premium Credit Sesame, from self-cancellation options to account closure.
Monitoring your credit score and protecting your identity online have become increasingly important in the digital age. Services like Credit Sesame provide useful credit tracking tools and identity theft protection to help safeguard your financial data.
However, while Credit Sesame offers several premium subscription plans that unlock beneficial features, you may ultimately decide the cost of the paid membership is more than you want to spend.
Fortunately, downgrading or canceling your Credit Sesame premium subscription is straightforward – but there are some key steps to take for complete account termination versus simply cancelling recurring billing.
Throughout this detailed guide, you’ll learn:
- The different Credit Sesame premium subscription plans and pricing
- Step-by-step instructions for self-cancellation via the website or mobile app
- How to contact Credit Sesame support to cancel your paid subscription
- The process to completely delete your Credit Sesame account
- When cancellation takes effect and avoiding surprise charges
- Alternative credit monitoring services to consider
Let’s start by reviewing the various Credit Sesame subscription options and what’s included with premium access.
Overview of Credit Sesame’s Free vs Paid Plans
Before we dive into cancellation specifics, it helps to understand what you get with Credit Sesame’s free membership compared to the features unlocked by paying for premium access.
Credit Sesame offers one free plan and three paid subscription tiers:
Free Credit Sesame Membership
- Monthly credit report from TransUnion
- Monthly VantageScore credit score update
- $1 million identity theft insurance
- Personalized debt and loan recommendations
- Access to credit tips and tools
Advanced Credit – $9.95/month
Everything in free, plus:
- Daily TransUnion credit score updates
- Monthly credit reports from Equifax, Experian, and TransUnion
- Monthly VantageScore 3.0 updates for all three bureaus
Pro Credit – $15.95/month
Includes all Advanced Credit features, plus:
- Alerts for key changes to your credit reports
- Assistance disputing inaccuracies or errors on credit reports
Platinum Protection – $19.95/month
The premium tier with complete credit and identity protection:
- Everything in Pro Credit
- Dark web monitoring
- Identity theft protection
- Full identity restoration support
- Lost wallet protection
Downgrading or cancelling your paid Credit Sesame subscription will not impact your free membership benefits. However, you’ll lose access to any premium features provided by the plan.
Now let’s go over how to cancel Credit Sesame premium properly.
Step-by-Step Guide to Self-Cancellation via Website
If you signed up and paid for Credit Sesame premium access directly through their website, you can manage and cancel your paid subscription in your online account:
- Login to your Credit Sesame member dashboard.
- Click on “Profile” in the top menu.
- Under the “Premium Plan” section, click on the “Cancel Premium Plan” button.
- Follow the on-screen cancellation prompts to confirm your request.
Note that cancelling via the website will not take effect immediately – your paid access will continue until the end of your current billing period.
To cancel and stop payments right away, you’ll need to contact Credit Sesame customer support and request instant cancellation.
How to Downgrade or Cancel Credit Sesame Premium via Mobile App
Did you sign up for Credit Sesame premium through the iOS App Store or Google Play billing?
If you subscribed via in-app purchase on your iPhone, iPad, or Android device, you’ll need to manage the cancellation directly in the app store:
For iPhone/iPad:
- Go to the App Store and tap your profile icon.
- Tap on your name and scroll down to “Subscriptions”.
- Tap on Credit Sesame then “Cancel Subscription”.
For Android devices:
- Open the Google Play Store app.
- Tap “Menu” then “Subscriptions”.
- Select Credit Sesame then “Cancel Subscription”.
You can also cancel your Credit Sesame subscription in the mobile app:
- In Credit Sesame, tap the menu icon in the top right corner.
- Go to “Profile and Settings”.
- Under “Premium Plan”, choose “Cancel Premium Plan”.
- Confirm cancellation in the popup window.
Either way, your paid Credit Sesame access will continue until the renewal date when you cancel via mobile. Contact support if you need to cancel immediately.
Contact Credit Sesame Customer Service to Cancel Subscription
Alternatively, you can contact the Credit Sesame support team directly to cancel your paid membership or premium subscription:
- By email: [email protected]
- Via online form: https://help.creditsesame.com
- By phone: 1-877-751-1859
Make sure to include your full name and the email address associated with your Credit Sesame account in your cancellation request.
Clearly state you want to cancel and stop your Credit Sesame premium subscription membership.
The support team will take care of cancelling and stopping any future renewal payments. This is the best option if you need to immediately cancel your paid access.
Close Your Credit Sesame Account Completely
Note that canceling your Credit Sesame paid subscription does not automatically close your account entirely.
Downgrading or cancelling only stops future charges for premium access – but your free member profile will remain active.
To delete your Credit Sesame account, you must:
- First, cancel any active paid subscriptions.
- Then visit Credit Sesame’s Account Termination page.
- Enter your name, email, and reason for closing your account.
- Click “Terminate Account”.
This will completely delete your Credit Sesame profile, including both free and paid access. You can also contact their support team for account closure assistance.
Terminating your account simply cancels the paid subscription. Full account closure deletes your entire profile.
When Does Credit Sesame Premium Cancellation Take Effect?
When you cancel your Credit Sesame paid membership via the website or mobile app, cancellation takes effect once your current billing period ends.
For example, if you cancel your Premium Plus subscription on August 18th but your next renewal date is September 1st, you will continue to have premium access until September 1st.
To avoid being charged again, make sure to cancel at least 24 hours before your upcoming renewal date, if not sooner. Or, contact support to stop payments immediately.
Ideally, cancel your Credit Sesame premium within the first week of your billing cycle to avoid paying for another month. You can find your next renewal date under Account Settings.
Can I Get a Refund for Canceling Credit Sesame Premium?
Unfortunately, Credit Sesame does not currently offer prorated or partial refunds when you cancel a paid subscription before your renewal date.
However, if you cancel very soon after signing up, such as within the first 30 days, you can request a full refund if you did not use any premium features yet.
To request a refund, contact the Credit Sesame customer support team right away after cancellation. Provide your account details and reason for requesting the refund.
But otherwise, there are no refunds provided for early cancellation once you have accessed and used Credit Sesame’s premium subscription services.
Avoid Unexpected Charges When Cancelling Credit Sesame
To avoid unwanted surprise charges or bills when you downgrade or cancel your Credit Sesame paid membership:
- Double check your upcoming renewal date and cancel at least 1 day before.
- If you signed up via Apple or Google billing, be sure to cancel directly in their app stores.
- Contact customer support for instant cancellation to stop payments right away.
- Check your bank statements closely for any charges after cancellation.
- Reach out to the Credit Sesame team if you see any erroneous renewal fees.
As long as you properly cancel your premium access before the renewal date, you can avoid unwanted charges. Act quickly if you notice billing issues.
Will Canceling Credit Sesame Premium Hurt My Credit Scores?
The good news is that cancelling or downgrading your Credit Sesame subscription will not directly hurt your credit scores or reports in any way.
However, you will lose access to certain credit monitoring tools that come with premium access:
- Daily credit score updates will decrease to monthly score checks.
- You won’t receive custom alerts for key changes or suspicious activity.
- Dark web monitoring for your personal info will end.
- Full identity restoration services will no longer be included.
So while cancelling premium won’t negatively impact your credit, you’ll miss out on some of the advanced monitoring features and identity protection tools. Make sure the free membership still provides enough visibility into your credit and protection for your needs.
What Are Some Alternatives to Credit Sesame?
If you find the paid Credit Sesame subscription isn’t the right fit, here are a few similar services to consider:
- Credit Karma – Offers free credit scores, reports, and tracking. No paid upgrade options.
- Experian – Identity protection plans start at $9.99/month. Includes credit monitoring and identity theft insurance.
- IdentityForce – Robust credit monitoring and identity theft protection starting at $17.99/month
- IdentityGuard – Monitor credit, public records, and the dark web. Plans from $7.50 to $25/month.
- PrivacyGuard – Identity and credit monitoring packages start at $9.99/month.
Evaluate each provider’s features and pricing to find the best alternative aligned with your budget and needs.
Recap and Key Takeaways
Canceling your Credit Sesame premium subscription is simple and straightforward. Just follow these tips:
- Self-cancel online or via the mobile app. This stops future billing but access continues to renewal date.
- Contact support to cancel immediately and stop automatic payments.
- Close account fully on the Account Termination page to delete your profile.
- Cancel 1 day before renewal so you aren’t charged another period.
- Consider alternatives like IdentityForce or PrivacyGuard for robust protection.
Downgrading or cancelling Credit Sesame premium won’t hurt your credit. But act fast before your next renewal to avoid unwanted charges.
Hopefully this guide gave you a full overview of how to cancel Credit Sesame paid memberships! Reach out to their support team if you have any other questions.
