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Cancellation Checkmyfile: Easy Method
What is Checkmyfile
Overview
Checkmyfile is a UK-based subscription service that provides users access to their credit reports and monitoring from the major credit reference agencies.
The service is designed to help users track credit file changes, spot errors, and prepare for lending applications such as mortgages.
Key features
Checkmyfile aggregates information from multiple credit reference agencies into a single report for convenience.
It offers ongoing monitoring, bespoke daily-updated reports, and account messaging for customer support.
How to cancel Checkmyfile
Cancel via your Checkmyfile account (recommended)
- Sign in to your account on desktop or mobile.
- Click your initials → Billing → Cancel, then confirm the cancellation.
- You will receive an email and a secure message in your account confirming the cancellation.
- Reference: How do I manage my subscription?
Other cancellation methods
- Email: send your cancellation request to [email protected] from the account email address.
- Secure message: send a cancellation request via the account "Conversations" messaging area.
- Phone: call during UK office hours (Mon - Fri 09:00 - 17:00) on 01872 304050 to request cancellation.
- See contact options: Contact us
What happens when you cancel
Access after cancellation
If you cancel during a free trial, access to the service ends immediately in most cases.
If you cancel a paid subscription, access typically continues until the end of the paid-for period you have already paid for.
Renewal and billing
Cancellation prevents future renewals but does not usually trigger a refund for unused time unless a statutory or vendor-specific exception applies.
Keep confirmation emails or secure messages as proof of cancellation and the cancellation date.
Data and account retention
Your account data and messages may be retained according to Checkmyfile's terms and privacy policy.
Contact Checkmyfile if you want details about data retention or account deletion.
Will I get a refund?
Refund policy summary
Payments for bespoke, daily-updated reports are generally not refundable and unutilised periods are not refunded under Checkmyfile's terms.
See the vendor policy for non-refundable bespoke services: What happens after cancellation?
Statutory rights and exceptions
- You have a statutory right to cancel within 14 calendar days under the firm’s terms (see FCA CONC references in their Terms).
- If Checkmyfile cannot obtain information from a credit reference agency after reasonable attempts, a proportionate refund will be issued within 14 days of application.
- For full terms: Checkmyfile Terms
Checkmyfile plans and pricing
Pricing overview
No official INR pricing is published on Checkmyfile's official help pages. Reported figures below are user-reported and may be incorrect.
If you need definitive pricing for your account, contact Checkmyfile support before subscribing.
| Plan | Price | Period | Features |
|---|---|---|---|
| Monthly | ₹99 (user-reported) | Monthly | User-reported; may be incorrect display |
| Annual | ₹6800 (user-reported) | Annual | User-reported; suspected to be incorrect pricing |
| Annual (corrected view) | ₹390 (user-reported correction) | Annual | App pop-up correction reported by users; accuracy not verified |
Important pricing note
These figures originate from user reports and app UI inconsistencies; Checkmyfile does not publish official INR pricing on its site.
For authoritative pricing, contact Checkmyfile support via their official channels.
Your consumer rights in India
General consumer protection options
If you are based in India and have a dispute, you can raise the issue with your bank (for unauthorised charges), and with local consumer protection forums for contractual complaints.
Keep written evidence of communications, transaction dates, and cancellation confirmations to support any complaint or chargeback request.
Cross‑border limitations and practical steps
Checkmyfile is a UK company; some Indian consumer protections may not directly apply to cross-border contracts.
Practical steps: contact Checkmyfile first, seek chargeback from your payment provider if necessary, and consult local consumer authorities or legal advice for formal complaints.
Customer experiences
Positive feedback
- Many users praise ease‑of‑use and comprehensive reports combining Experian, Equifax and TransUnion.
- Reviewers commonly note that cancellation is straightforward and paid access continues until the end of the paid period.
- Recent reviewers called the service "easy and useful" and "very user friendly."
Common complaints
- Frequent complaints include no warning before a free trial ends, unclear charge dates, and refunds being refused.
- Some users raised concerns about subscription cost and occasional payment-related problems.
Documentation checklist
Account and transaction records
- Account email and username used to subscribe.
- Payment receipts, transaction dates, and last four digits of the card used.
- Evidence of trial start and any trial communications.
Communications and proof
- Confirmation email or secure message showing cancellation.
- Copies/screenshots of the subscription page or billing tab showing plan details.
- Any responses from Checkmyfile support, and timestamps of phone calls if used.
Common mistakes
Not checking trial end dates
Many customers miss the end date of a free trial and are surprised by the first charge.
Always note the trial expiry and set a reminder to cancel before the charge date if you do not wish to continue.
Insufficient evidence when requesting refunds
Failing to save confirmation messages or payment receipts makes dispute resolution harder.
Save all emails, secure messages, and screenshots before and after cancellation to support any refund claims.
Comparative recap
At a glance
The table below highlights Checkmyfile's key characteristics compared with a typical credit monitoring service.
Use it to assess cancellation methods, data coverage and refund considerations.
| Item | Checkmyfile | Typical credit monitoring service |
|---|---|---|
| Credit agencies covered | Multiple agencies (Experian, Equifax, TransUnion) | Varies; may cover one or multiple agencies |
| Cancellation methods | Account Billing tab, email, secure message, phone | Usually account settings and support contact; varies by provider |
| Refund policy | Bespoke daily reports non-refundable; 14-day statutory right and proportionate refunds if data unobtainable | Policies vary; check vendor terms for trial, refunds and data availability |
After cancelling
Confirmations to expect
After cancellation you should receive both an email and a secure message confirming the action when cancelled via the Billing tab.
If you cancelled by phone or email, follow up in writing and save the confirmation.
Next steps and helpful links
- Check subscription management: Manage my subscription
- Read what happens after cancellation: What happens after cancellation?
- Contact support: Contact us
- Review the full Terms: Checkmyfile Terms
Address
Company address
Checkmyfile (head office): 20-21 Lemon Street, Truro, Cornwall TR1 2LS, United Kingdom.
Use this address for formal correspondence if required, noting Checkmyfile is a UK company.
Contact details and office hours
Phone (UK office hours Mon - Fri 09:00 - 17:00): 01872 304050.
Email support: [email protected]. For more contact options see: Contact us
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Written by Aanya Joshi
Digital-law graduate · 6 years experience
Graduate in digital law and passionate about secure written communication, I have been writing guides on certified mail and electronic registered delivery for 6 years.