How to Cancel Transform Credit on Transform Credit website
1 - Log into your Transform Credit account.
2 - Navigate to Account Settings.
3 - Click on the link Cancel Account.
4 - Follow the on-screen steps to confirm your cancellation.
5 - Once confirmed, you will no longer be charged and will lose access to monthly services.
Transform Credit offers loans up to $10,000 with a cosigner, focusing on trust rather than credit history. They also have a service called Transform Credit Builder, which helps improve your credit score by having you make a $5 monthly payment, reported to credit bureaus as interest on a loan held for you. This is a flexible subscription you can cancel anytime, and if you stop paying, your loan is marked paid to keep your credit benefits. So, if you're seeing a $5 charge from them, it's likely for this Credit Builder service helping to boost your credit.
The cancellation process is straightforward and can be done entirely online by logging in to the account, going to Account Settings, and clicking Cancel Account. There are clear steps provided and no mention of onerous requirements or delays.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Transform Credit subscription.
How to Contact Transform Credit
If you need assistance, here's how you can get in touch with Transform Credit's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
$800
$600
$400
$200
$0
Years
Tips and Tricks for Getting a Transform Credit Refund
Email support and keep a record of all communications to hold them accountable.
Call customer service to speak to a human representative if emails don’t work.
Provide proof of cancellation requests, including screenshots and emails, to push for cancellation.
Use desktop sites (not mobile) to cancel subscriptions as some services limit cancellation options on mobile.
Cancel payment method via PayPal or bank—stop payments to prevent further charges.
Contact your bank or credit card issuer to dispute fraudulent charges and to set stop payments; credit cards offer better protection than debit cards.
Escalate with official complaints by CC’ing the state Attorney General’s office or filing at FTC’s fraud report site.
Consider canceling your debit card and getting a new one if charges continue despite cancellation requests.
Keep following up persistently until the subscription is confirmed cancelled.
If all else fails, consider small claims court especially if you have proof of cancellation attempts and unjust charges.
Timing tip: Try canceling just before the billing cycle renews to avoid another charge.
Language tip: Use firm, unequivocal language stating you are cancelling immediately with no further charges authorized.
Why Do People Request Refunds from Transform Credit
Unauthorized loan or subscription charges appearing on credit reports or bank statements without customer consent.
Confusion or misunderstanding about signing up for the credit builder subscription, what it entails, and related fees.
Difficulty canceling subscriptions even after following cancellation instructions on the website.
Continued monthly charges after customers believe they have canceled, leading to billing disputes.
Requests for refunds due to charges occurring after cancellation or for services not used or understood.
Disappointment with customer service response times especially during peak periods.
Concerns about unauthorized or unexpected $5 monthly fees associated with the credit builder loan feature.
Transform Credit Refund Script
Script
Copy
Dear Transform Credit, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
What People Say About Transform Credit
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Transform Credit Refund Policy
Transform Credit's membership is fully flexible and can be canceled at any time by logging into the account, going to 'Account Settings', and clicking 'Cancel Account'. After confirming cancellation, no further charges will be made and access to monthly services will end.
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The Easiest Way to Get a Transform Credit Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Transform Credit—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Transform Credit allows you to cancel your subscription at any time by logging into your account, going to 'Account Settings,' and selecting 'Cancel Account.' There are no contracts or lock-ins preventing cancellation, but be aware that cancellation requests take effect three business days after they are received, and you need to notify them at least three business days before the next scheduled payment to avoid being charged. There are no early cancellation fees, but any fees incurred on the loan as allowed in the loan contract may still be charged.
Unauthorized loan or subscription charges appearing on credit reports or bank statements without customer consent.
Confusion or misunderstanding about signing up for the credit builder subscription, what it entails, and related fees.
Difficulty canceling subscriptions even after following cancellation instructions on the website.
Continued monthly charges after customers believe they have canceled, leading to billing disputes.
Requests for refunds due to charges occurring after cancellation or for services not used or understood.
Disappointment with customer service response times especially during peak periods.
Concerns about unauthorized or unexpected $5 monthly fees associated with the credit builder loan feature.
Account login credentials (email and password to access your Transform Credit account)
Access to Account Settings after logging in
Follow cancellation steps via the 'Cancel Account' link in Account Settings
Confirmation of cancellation within the platform (completion of the process may include email confirmation or feedback, depending on process updates)
Review and settle any outstanding balances or loans linked to your account before finalizing cancellation
Awareness of cancellation policy and terms (review for any requirements, fees, or implications)
Check inbox for possible confirmation email or finalization instructions
Optional: Contact customer support (via help form or hello@transformcredit.com) if you cannot access your account or complete cancellation online
Be aware cancellation reflection may take up to 45 days on your credit file
Before cancelling your Transform Credit subscription, know that the account is fully flexible and can be cancelled anytime through your Account Settings. Once cancelled, you will no longer be charged and will lose access to all monthly services provided by Transform Credit. This means you will no longer receive any ongoing credit-building tools, resources, or updates included in the monthly service. Make sure to consider this as you will lose all benefits tied to the subscription once cancellation is confirmed.
Transform Credit's membership is fully flexible and can be canceled at any time by logging into the account, going to 'Account Settings', and clicking 'Cancel Account'. After confirming cancellation, no further charges will be made and access to monthly services will end.
To cancel your subscription with Transform Credit, you need to log in to your account first by entering your credentials. After logging in, you can go to 'Account Settings' and select 'Cancel Account' to follow the cancellation steps. If you don't remember your password, you will need it to access your account, but you can reset it using the password reset page: https://plus.transform.us/users/password/new. This means you do need your password (or be able to reset it) to cancel your Transform Credit subscription.
We've actually written a step by step guide on how to get a refund from Transform Credit. Check it out!
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Transform Credit subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Transform Credit account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Transform Credit online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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