How to cancel SmartCredit

✓ Last checked Oct 2026 against SmartCredit’s official pages. See sources

SmartCredit says you can cancel your membership any time without further obligation, and that canceling stops additional charges immediately. Use the online Cancel Membership page or call customer service.

Ways to cancel

Online: Log in and use the Cancel Membership page linked from SmartCredit’s FAQ and Contact Us pages.
Phone: 877-372-3895. SmartCredit lists hours of Monday–Friday, 8 AM–7 PM CT.
Email: SmartCredit says it does not accept emails for security reasons and uses a contact form instead.

Step by step

Log in at smartcredit.com and open Cancel Membership (linked from the FAQ and Contact Us pages).
Follow the cancellation steps to the end and save the confirmation.
If you can’t finish online, call 877-372-3895 during business hours and ask for a confirmation number.
Check your next statement. If you’re still charged, use the refund letter below.

Watch out for

Trials: SmartCredit says you can cancel within your trial period without further cost. Note the date your trial ends.
Keep your confirmation. Credit-monitoring charges are easy to miss on a statement.
If you signed up through a partner offer, check who bills you.

Whatever method you use, save proof: a confirmation number, email, screenshot, or certified mail receipt. Then check your next statement.

Still charging you? Put it in writing

Each letter has a free preview. Unlock the full letter for $4 to copy it or download it as PDF or Word. We’ll fill in SmartCredit for you.

Cancellation letter

A formal, dated cancellation notice to SmartCredit: cancel, stop all charges, confirm in writing. Mail it certified for proof.

Preview my cancellation letter

Refund after cancellation

Charged after you canceled, auto-renewed without warning, or billed when a free trial ended? Ask SmartCredit for your money back.

Preview my refund letter

Chargeback request to your bank

If SmartCredit won’t refund you, ask your bank or card issuer to dispute the charge and block future ones.

Preview my chargeback letter

Free preview on every letter. Paying unlocks the full text and downloads. Need several? Unlimited is $9/month.

Your rights when canceling, in plain English

Signed up online? A federal law, the Restore Online Shoppers’ Confidence Act (ROSCA), requires sellers of online subscriptions to show the key terms before taking your billing information, get your express consent before charging you, and give you a simple way to stop recurring charges (15 U.S.C. § 8403).
The FTC’s “click to cancel” rule is not in effect. The FTC adopted it in 2024, but a federal appeals court vacated it in July 2025 before it took effect. In March 2026 the FTC asked for public comment on a possible new rule. As of October 2026 no replacement rule has been adopted (rulemaking status).
State automatic renewal laws. Many states have their own rules. For example, California’s law says that if you signed up online, you must be able to cancel online, and it requires reminders before some renewals (California AG). Rules differ by state.
Gym contracts. Many states also have health club laws. Depending on the state, these can include a short window to cancel after you sign, or a right to cancel if you move far away or become disabled. Check your state consumer protection office (find yours).
Charged after you canceled? For a credit card, you can dispute a billing error in writing. The FTC says your letter should reach the card issuer within 60 days after the first bill with the error was sent to you (FTC). For automatic debits from a bank account, tell the company you’re revoking authorization, then tell your bank. To stop the next payment, notify your bank at least three business days before it’s scheduled (CFPB).

This is general information, not legal advice. Your contract and your state’s law decide what applies to you.

Sources

Summarized from SmartCredit’s own pages, last checked Oct 2026. Companies change their policies, so check the official page before you act. Your contract or membership agreement controls.