Manage Yourscoreandmore

How to cancel yourscoreandmore in the UAE and protect your credit score investment

Understanding yourscoreandmore and why you might want to cancel

Yourscoreandmore is a subscription-based credit monitoring and financial insights platform that delivers personalized credit health recommendations through a secure online dashboard. The service operates on recurring billing cycles ranging from 7-day trials to annual memberships, and processes payments in USD from the company's US-based infrastructure.

What yourscoreandmore actually does

This platform monitors your credit score in real time, provides detailed financial insights, and sends personalized recommendations to help you build and maintain strong credit health. You access everything through the secure online portal after registration, and billing cycles repeat automatically unless you actively cancel.

The service appeals to users in the UAE who want proactive credit monitoring, but many discover they do not need continuous monthly updates, prefer free alternatives, or experience billing surprises when trials convert to paid plans. At Stopee, we understand that recognizing the service no longer serves your needs is the first step toward taking control of your finances.

Why cancellation matters more than you think

Recurring subscriptions are designed to continue charging you indefinitely. If you do not formally cancel, Yourscoreandmore will keep billing your payment method at the next cycle. For UAE residents paying in AED, this means ongoing currency conversion charges and potential overdraft fees if your bank account runs low.

Additionally, trial periods-like the USD 1 seven-day offer-often lock you into monthly billing of USD 39.94 (approximately AED 146) without clear warning. Canceling before the trial expires protects your wallet and prevents unwanted charges.

Your consumer rights as a UAE resident

What UAE consumer protection law says about cancellations

The UAE Consumer Protection Law (Federal Law No. 24 of 2006) grants you the right to cancel distance contracts-including online subscriptions-within 14 days of purchase without penalty, provided the service has not yet been fully delivered. Yourscoreandmore's terms reference US law, but UAE law supersedes their policy when you are a consumer resident in the Emirates.

This means you have a statutory cooling-off window to cancel trial subscriptions and recover any charges, even if Yourscoreandmore's refund policy says otherwise. At Stopee, we encourage you to cite this protection when disputing charges or requesting refunds.

How to escalate if yourscoreandmore refuses to cancel

If Yourscoreandmore ignores your cancellation requests or continues to charge after you cancel, you can file a complaint with the UAE Ministry of Economy (now the Ministry of Economy and Planning). The Ministry investigates unfair commercial practices and can compel refunds for violations of consumer protection law.

Keep screenshots of your cancellation email, written responses (or lack thereof), and billing statements showing unauthorized charges. These records strengthen your case significantly.

How to cancel yourscoreandmore: step-by-step instructions

The recommended method: email cancellation

Email is your best option because it creates a permanent written record that protects you if disputes arise later. Yourscoreandmore's support team monitors this inbox, and email receipts serve as proof of your cancellation request.

1. Open your email client and compose a new message to support@yourscoreandmore.com.
   • Use a clear, professional subject line: "Cancel my subscription immediately"
   • Include the following details in the body: your full name, the email address registered with your account, your phone number, and your order ID (if you have it)
   • Write a direct statement: "I request immediate cancellation of my subscription effective today. Please stop all future charges and confirm this cancellation in writing."
2. Send the email and save a copy in a folder labeled "Cancellations" for your records.
   • Note the exact date and time you sent the email
   • Check your inbox for read receipts if available
3. Wait for a written confirmation from Yourscoreandmore within 3-5 business days.
   • Warning: If you receive no reply within one week, send a follow-up email to the same address and copy it to a secondary contact (check their website for alternative support channels)
   • If still no response, escalate to the UAE Ministry of Economy and provide your email evidence
4. Once confirmed, monitor your payment method for any charges at your next billing date.
   • Check your bank statements or credit card online at least once per week for the next 30 days
   • Pro tip: Set a phone reminder for the day before your billing cycle was due; if a charge appears, you can dispute it immediately with your bank

Alternative method: phone cancellation

If email feels unsafe or you prefer real-time confirmation, you can cancel by phone, though you lose the written proof advantage. Phone calls require you to act as your own documentarian.

1. Call the US support number +1-888-387-1890 during these hours:
   • Monday to Friday: 6 am to 6 pm PST (6 pm to 2 am UAE time next day)
   • Saturday to Sunday: 9 am to 5 pm PST (9 pm to 1 am UAE time next day)
   • Note: UAE time is 8 hours ahead of PST, so plan your call accordingly
2. When a representative answers, state clearly: "I want to cancel my subscription to Yourscoreandmore effective immediately."
   • They may ask why you are canceling; you do not need to provide a reason, but a brief answer ("I found an alternative service" or "I no longer need credit monitoring") speeds the process
   • They may offer a discount to retain you; decline unless you genuinely want to keep the service
3. Request verbal confirmation and ask for a cancellation reference number.
   • Write down the representative's name, date, time, and reference number immediately
   • Ask for the cancellation to be effective immediately, not at the end of your billing period
4. Follow up with an email confirming the phone conversation.
   • Send an email to support@yourscoreandmore.com within 2 hours stating: "This email confirms my phone cancellation on [date] at [time] with representative [name], reference number [number]. Please confirm receipt of this email."
   • This creates the written record you should have obtained during the phone call

Why app-based cancellation is not an option

Yourscoreandmore does not offer self-service cancellation through the Apple App Store or Google Play. The company's official support documentation does not reference in-app cancellation buttons. Direct contact via email or phone is your only documented cancellation route, which actually works in your favor because you obtain written confirmation.

What happens immediately after you cancel

Access, billing, and service continuation

Once Yourscoreandmore confirms your cancellation, your subscription will not renew at the next billing date. However, your access to paid features may continue until the end of your current paid period-ask for clarification in your cancellation confirmation email so you know exactly when you lose access.

If you paid for an annual membership and cancel mid-year, Yourscoreandmore's discretionary refund policy may not automatically reimburse the unused portion. This is where your UAE consumer rights step in: the 14-day cooling-off window applies even to annual plans if you cancel early.

Data retention and account deletion

Your account data remains stored on Yourscoreandmore's servers according to their privacy policy unless you request deletion. If you want your personal information removed entirely, send a separate email to support@yourscoreandmore.com stating: "Please delete all of my personal data from your system in accordance with data protection law." Keep this request separate from your cancellation email so it receives distinct handling.

Pro tip: UAE data protection laws (and the incoming UAE Data Protection Law) require companies to honor deletion requests within 30 days. Document this request in writing to enforce compliance if needed.

Refunds and getting your money back

Understanding yourscoreandmore's refund policy

Yourscoreandmore does not guarantee refunds under their published terms; instead, they reserve the right to consider refund applications on a case-by-case basis. This means you must actively request a refund and provide justification-the company will not automatically repay you.

However, this discretionary policy does not override your statutory rights under UAE consumer law. The 14-day cooling-off period applies regardless of what their terms say, and you can demand a refund within that window even if Yourscoreandmore refuses.

How to apply for a refund and what to include

1. Gather all documentation before submitting your refund request.
   • Your cancellation confirmation email from Yourscoreandmore
   • Your original receipt or invoice showing the charge amount and date
   • A screenshot of your bank or credit card statement showing the transaction
   • Any correspondence with customer support
2. Compose a refund request email to support@yourscoreandmore.com with the subject line "Refund request for [your name] - [order ID]".
   • State the amount charged, the date of the charge, and the reason for your refund request
   • Cite your reason clearly: "Trial period converted without explicit consent," "Duplicate charge," "Service was not as described," or "I am exercising my 14-day cooling-off right under UAE Consumer Protection Law"
   • Attach or reference all supporting documents
   • Request a response within 7 business days
3. If Yourscoreandmore denies your refund or ignores your request, escalate to your bank or credit card issuer.
   • Contact your financial institution's dispute resolution team and file a "chargeback" or "reversal" claim
   • Provide all your documentation; banks take consumer protection seriously and often side with you when you have written evidence
   • The bank typically investigates within 30 days and may recover your funds automatically
4. If the bank declines, file a formal complaint with the UAE Ministry of Economy.
   • Include all email correspondence, banking records, and your cancellation evidence
   • The Ministry can compel refunds for violations of consumer protection law

Special case: trial charges and why they matter

Yourscoreandmore offers a 7-day trial for USD 1 and a 14-day trial for some plans. Many users report that trial charges appear legitimate but convert to full monthly billing (USD 39.94) if you do not cancel within the trial window.

Even small charges like USD 1 must be refunded if you cancel within the 14-day cooling-off period. If Yourscoreandmore refuses a USD 1 refund, your complaint remains valid-do not accept the argument that "it is too small to dispute." At Stopee, we have seen these micro-charges escalate into habit patterns that drain accounts over time.

Pricing breakdown and what you are paying for

Yourscoreandmore subscription plans in USD

Below is the current pricing structure published by Yourscoreandmore. All amounts are in USD; for UAE residents, convert using the current exchange rate (typically 1 USD = 3.67-3.68 AED as of 2024).

Why understanding these prices matters before you cancel

The monthly plan is the most expensive option when annualized. If you signed up for the USD 1 trial and forgot to cancel, you have likely paid USD 39.94 automatically one month later. This is precisely the scenario where your 14-day cooling-off right protects you, even if Yourscoreandmore initially denies a refund.

Before you cancel, calculate exactly how much you have paid and whether a refund is worth pursuing. If you are within 14 days of your first charge, a refund is your right under UAE law. At Stopee, we recommend always pursuing refunds for unauthorized trial conversions.

Common mistakes people make when canceling yourscoreandmore

Cancellation mistakes and how to avoid them

Many people feel frustrated when cancellations do not stick, but often the problem is avoidable with proper technique. You deserve better, and these precautions ensure your cancellation actually works.

1. Mistake: Assuming your cancellation is complete without written confirmation.
   • Always wait for a written response before considering yourself canceled. "I sent an email" is not the same as "Yourscoreandmore confirmed my cancellation."
   • If you receive no reply within 7 days, send a follow-up email and document the silence in case you need to escalate to your bank or the Ministry of Economy
2. Mistake: Canceling on the wrong date.
   • If your trial ends on the 15th and you cancel on the 20th, Yourscoreandmore may have already charged you for the next month. Cancel before your trial window closes, not after
   • Check your original confirmation email from Yourscoreandmore for the exact trial end date
3. Mistake: Not saving your cancellation confirmation.
   • Forward the confirmation email to yourself or print a PDF copy. If your email account is compromised or you switch providers, you still have proof
   • Include the confirmation in your tax/financial records folder for future reference
4. Mistake: Canceling by phone without following up in writing.
   • Phone cancellations leave no paper trail. Always send an email confirmation within 2 hours reiterating what you agreed to on the call
   • This protects you if the company claims they never received your cancellation
5. Mistake: Ignoring unauthorized charges after cancellation.
   • Check your bank statement within 10 days of your cancellation date. If Yourscoreandmore charges again, contact your bank immediately to dispute the charge
   • Banks are required to investigate charges that occur after a cancellation; do not assume you have to accept them

Your action checklist: step-by-step cancellation workflow

Before, during, and after cancellation

Use this checklist to ensure you complete every step correctly and protect yourself throughout the process.

Real reviews and what users say about canceling yourscoreandmore

Common cancellation experiences from real users

Yourscoreandmore users in the UAE report mixed experiences with cancellation. Some receive prompt confirmations; others describe delayed or missing responses from support. These patterns matter because they help you prepare for what you may encounter.

Positive experiences typically involve clear email communication with quick responses. Negative experiences often stem from trial period confusion-users did not realize the USD 1 trial converts to USD 39.94 monthly, and support did not acknowledge cancellation requests until after billing had occurred. This is precisely why we recommend canceling in writing at least 10 days before your trial expires.

Users who cite UAE Consumer Protection Law in their cancellation or refund requests report higher success rates with refunds. This signals that Yourscoreandmore takes legal compliance seriously when consumers invoke their statutory rights directly.

Alternatives to consider after cancellation

Free and low-cost credit monitoring options

Before you cancel, explore whether a free alternative might serve your needs. Many banks in the UAE offer free credit score monitoring as an account benefit; check with your primary bank first.

International services like Credit Karma offer free credit monitoring without ongoing charges. Local UAE alternatives like credit bureaus (AMLAK, Etihad Credit Bureau) provide periodic credit reports at lower cost. At Stopee, we recommend comparing these options before you commit to any paid subscription.

Contacting yourscoreandmore's support and complaint channels

Official contact information and escalation routes

Use these channels in order. Start with email, escalate to phone if unacknowledged, and involve authorities if the company does not respond or cooperates.

• Email support: support@yourscoreandmore.com
• Phone support: +1-888-387-1890 (US hours; note time zone difference)
• UAE Ministry of Economy complaint: Visit the Ministry's official website or contact your local consumer protection office
• Your bank's dispute team: Call the number on the back of your credit card or debit card to initiate a chargeback for unauthorized charges

Final summary: taking control of your subscription

Canceling Yourscoreandmore requires clear communication, written proof, and awareness of your statutory rights under UAE consumer protection law. The 14-day cooling-off window is your legal shield against unwanted charges; use it confidently when requesting refunds.

Follow the email cancellation method, save all confirmation messages, monitor your bank statement, and escalate to your bank or the Ministry of Economy if unauthorized charges appear after cancellation. You are not obligated to accept recurring charges simply because a company has your payment details on file.

Thousands of consumers in the UAE have successfully reclaimed control of their subscriptions and recovered unauthorized charges by following systematic cancellation practices. Stopee has helped consumers navigate cancellations across dozens of subscription services, and the principles remain consistent: document everything, cite your legal rights, and escalate when necessary. Your financial security depends on these actions, and you are fully capable of executing them. Start today.