Manage ClearScore

How to cancel ClearScore and keep your free credit report

Why you might want to cancel ClearScore

ClearScore's core service is genuinely free, which means most people who want to stop using it simply stop logging in. However, if you've subscribed to ClearScore Protect or ClearScore Coach, you're paying a monthly fee that deserves your attention.

You might be cancelling because unexpected charges appeared on your bank statement, you no longer need identity protection monitoring, or you found a better credit monitoring service elsewhere. Whatever your reason, Stopee is here to ensure you understand your rights and complete the cancellation without friction.

Understanding what you're paying for

Many UK consumers believe they're using ClearScore's free credit checking service, only to discover monthly charges they didn't authorise. This happens because during sign-up or when ClearScore promotes limited-time offers, paid subscriptions can be added to your account without clear consent.

The key distinction is this: your free credit score and report from TransUnion will remain accessible after you cancel any paid subscription. You lose nothing essential by cancelling premium features. You retain your right to check your credit profile whenever you wish.

Your right to cancel under UK consumer law

Under the Consumer Rights Act 2015 and the Distance Selling Regulations, you have the right to cancel any digital service within 14 days of purchase, even if you've already used it. After that period, you can still cancel ongoing subscriptions at any time, typically with notice to the company.

If ClearScore failed to get your explicit, informed consent before charging you, you may be entitled to request a refund of charges you dispute, regardless of how long ago the subscription began. This is a powerful consumer protection that Stopee helps thousands of people use every month.

ClearScore subscription plans and what you're actually paying

Before you cancel, you need to know exactly which service you're subscribed to and what it costs.

Free ClearScore service

Your free ClearScore account includes your credit score from TransUnion, a full credit report updated monthly, instant alerts when your credit file changes, and an eligibility checker for financial products. This service has no monthly fee and never expires. You don't need to cancel it; simply stop using your account whenever you choose.

Paid subscription tiers

ClearScore offers two premium subscriptions. The table below shows current typical pricing, though promotional rates may apply to your account.

How promotional pricing affects your bill

ClearScore frequently runs trial periods or discounted introductory offers. If you signed up during one of these promotions, your monthly charge will likely jump to the full price after the offer period ends. This catches many consumers off guard, and it's entirely within your rights to cancel rather than accept the higher charge.

Should you cancel ClearScore or just pause it

The decision depends on whether you want to keep monitoring your credit in future or stop entirely.

Reasons to cancel a paid subscription but keep your free account

You can cancel ClearScore Protect or Coach at any time and retain full access to your free credit score, report, and alerts. This is the best option if you want to stop paying but continue checking your credit occasionally. After cancellation, log back in whenever you need to review your credit file.

Reasons to delete your entire ClearScore account

If you want to remove your personal information from ClearScore's systems completely, you can request full account deletion. However, this is permanent. You'll lose access to your credit report through ClearScore, though you can still access it directly from TransUnion or other credit reference agencies.

Most consumers choose to cancel paid subscriptions while keeping their free account active, as there's no downside to having the free service available for future reference.

How to cancel ClearScore on the app or website

Cancelling through the ClearScore app or website is the fastest method, taking just a few minutes.

Steps to cancel via the mobile app

1. Open the ClearScore app on your phone or tablet
   • Log in with your email and password if you're not already signed in
2. Tap the menu icon (three horizontal lines) in the bottom right corner
   • Look for "Account" or "Settings"
3. Select "Subscriptions" or "Manage subscriptions"
   • You'll see your active paid plans listed
4. Tap the subscription you want to cancel (ClearScore Protect or ClearScore Coach)
   • Tap "Cancel subscription"
   • ClearScore may offer a retention discount; decline it if you're certain you want to cancel
5. Confirm your cancellation when prompted
   • Take a screenshot of the confirmation screen for your records
6. Check your email for a confirmation message from ClearScore
   • This typically arrives within minutes

Steps to cancel via the website

1. Go to www.clearscore.com and log in with your credentials
   • Use the email and password associated with your account
2. Click on your profile or account icon in the top right corner
   • Select "Account settings" or "Settings"
3. Look for "Subscriptions" or "Manage payment methods"
   • Your active subscriptions will be displayed
4. Click the subscription you want to cancel
   • Select "Cancel" or "Cancel subscription"
5. Follow the on-screen prompts to confirm cancellation
   • ClearScore may ask why you're cancelling; you can skip this if you prefer
6. Expect a confirmation email within a few minutes
   • Save this email as proof of cancellation

Pro tip: Always screenshot or save your cancellation confirmation. If a charge appears on your next bank statement, you'll have evidence that you cancelled.

Cancelling ClearScore by post or phone

If you're unable to cancel through the app or website, you can request cancellation by post or contact customer service.

Cancelling by post

1. Write a letter on plain paper including:
   • Your full name
   • Your email address associated with the ClearScore account
   • Your date of birth
   • A clear statement: "I wish to cancel my ClearScore [Protect/Coach] subscription effective immediately"
   • The date you're sending the letter
2. Send your letter to ClearScore's address (found in your account settings or billing emails)
   • Use recorded delivery so you have proof of posting
3. Keep a copy of your letter for your records
   • Note the date posted and the Royal Mail tracking number
4. Expect processing within 5-7 working days after receipt
   • Check your account to confirm the subscription has been cancelled

Warning: Postal cancellation is slower than digital methods. If you're on a tight deadline to avoid the next charge, use the app or website instead.

Contacting ClearScore customer service

You can request cancellation via ClearScore's customer support channels, which typically include email support through your account dashboard. Explain that you want to cancel your paid subscription and request written confirmation by email. Stopee recommends this route if you have questions about charges or need clarification before cancelling.

Timeline for cancellation and when charges stop

Understanding when your charges actually stop is crucial for your budget.

Immediate cancellation through the app or website

When you cancel through ClearScore's app or website, the cancellation is typically processed instantly. Your paid subscription ends at the end of your current billing cycle (not immediately). This means if your billing date is the 15th of each month and you cancel on the 10th, you'll be charged one final time on the 15th, then no further charges will occur.

Some subscriptions offer pro-rata refunds for the unused portion of your current billing period, but this depends on ClearScore's policy at the time of cancellation. Always check your cancellation confirmation email for this detail.

Postal or phone cancellation

Cancellation requests submitted by post or email may take 5-10 working days to process. During this time, you may still be charged if a billing date falls within the processing window. Once processed, your subscription ends at the next scheduled billing date.

Pro tip: If you're close to a billing date, cancel immediately through the app or website to ensure processing before the charge. Stopee has helped thousands of consumers avoid unwanted charges by cancelling with enough notice.

Will you get a refund after cancelling

Refunds depend on when you cancel relative to your last charge and UK consumer protection law.

Refunds within 14 days of purchase

Under the Consumer Rights Act 2015, you have the right to cancel a distance contract (digital service) within 14 days and receive a full refund. This applies even if you've used the service. If you cancel ClearScore Protect or Coach within 14 days of first being charged, you can request a full refund of that initial charge.

Refunds after 14 days

Once 14 days have passed, you're no longer entitled to a blanket refund under consumer law. However, you can still cancel the subscription at any time. No further charges will occur after the cancellation is processed.

Disputing charges you believe are unauthorised

If you're certain you didn't authorise a subscription or if ClearScore failed to obtain your explicit consent before charging, you have the right to dispute the charge with your bank under chargeback rules. Contact your bank and explain that you did not consent to the subscription. Your bank can investigate and potentially recover the funds.

Stopee recommends documenting everything: your account login history, sign-up screenshots, billing emails, and any communications with ClearScore. This evidence strengthens a chargeback claim.

What happens to your free ClearScore account after cancelling

Cancelling a paid subscription does not delete your free account or prevent you from accessing your free credit score and report.

Your access after cancellation

You can continue to log into ClearScore and view your credit score, full credit report from TransUnion, and credit alerts at no cost. The only features you lose are those tied to your cancelled paid subscription (dark web monitoring for Protect, personalised coaching for Coach).

Resubscribing in future

If you change your mind, you can resubscribe to ClearScore Protect or Coach at any time. Promotional pricing may be available if you're a returning customer, so check for offers before resubscribing at full price.

Complete account deletion

If you want to remove all your personal information from ClearScore permanently, you can request full account deletion through your settings or by contacting support. This is irreversible and will prevent you from accessing your credit information through ClearScore in future. You can always check your credit through TransUnion directly or other credit agencies.

Your consumer rights when cancelling ClearScore

UK consumer law gives you strong protections when cancelling subscriptions, and Stopee wants you to understand exactly what these are.

The consumer rights act 2015

This law requires businesses to obtain your explicit, informed consent before charging you for a subscription. Many consumers unknowingly consent during sign-up when a paid trial is pre-ticked or when terms and conditions bury subscription details. If ClearScore failed to make clear that a paid subscription would follow, you may have grounds to dispute all charges.

Right to cancel within 14 days

Any distance contract (online service) can be cancelled within 14 days of your first charge for a full refund, regardless of whether you've used the service. ClearScore must honour this right and process refunds within 14 days of receiving your cancellation notice.

Right to cancel ongoing subscriptions anytime

After 14 days, you can still cancel at any time. The company must process your cancellation and stop charging you. Cancellation should be as easy as the process used to set up the subscription (usually digital, sometimes requiring a phone call or post).

Rights if charges continue after cancellation

If ClearScore continues charging you after you've cancelled, contact your bank immediately and initiate a chargeback. You can also file a complaint with the Financial Conduct Authority (FCA) if ClearScore fails to honour your cancellation request. Stopee recommends keeping all cancellation confirmations, emails, and bank statements as evidence.

Common mistakes when cancelling ClearScore

Cancelling a subscription feels straightforward, but a few missteps can leave you paying longer than necessary.

Confusing the free account with paid subscriptions

Many people think they need to "cancel ClearScore" entirely when they only need to cancel the paid add-on. Remember: the free credit score and report service has no subscription to cancel. You're only cancelling Protect or Coach if you subscribed to those.

Not taking screenshots of confirmation

Digital confirmations disappear if you clear your email or delete the app. If ClearScore fails to process your cancellation and charges you again, you'll need proof that you cancelled. Stopee always recommends screenshotting the cancellation confirmation page and saving the confirmation email in a folder titled "Cancelled Subscriptions".

Assuming cancellation is complete without checking

Don't assume your subscription has stopped just because you clicked cancel. Log back into your account 2-3 days later and confirm that the paid subscription no longer appears in your settings. If it's still listed, contact support immediately.

Missing the 14-day refund window

If you're entitled to a refund under the 14-day cooling-off period, request it immediately once you realise the charge was unauthorised or unwanted. After 14 days, this refund right expires, though you can still cancel going forward.

Not checking for retention offers

When you initiate cancellation, ClearScore may offer discounted rates to keep you subscribed. If you're genuinely cancelling because of cost, don't be swayed by a temporary reduction. These discounts often expire after a few months, reverting you to full price with auto-renewal enabled.

Comparing ClearScore with credit monitoring alternatives

Before cancelling, you might want to compare ClearScore's pricing and features with other UK credit monitoring services.

If you're cancelling ClearScore Protect because identity theft monitoring is expensive, Experian's paid tier might offer better value at the same price point. Stopee helps consumers evaluate these alternatives to ensure you're getting the best deal for your credit monitoring needs.

Checklist for cancelling ClearScore safely

Use this checklist to ensure you've completed every step and protected yourself:

• Confirm which subscription you're cancelling (Protect, Coach, or both)
• Log into ClearScore and navigate to subscription settings via app or website
• Initiate cancellation and confirm it on screen
• Screenshot or save the cancellation confirmation page
• Save the confirmation email sent to you (check spam folder if it doesn't arrive within 30 minutes)
• Record the date and time of cancellation in a note or spreadsheet
• Log back in 2-3 days later to verify the paid subscription is gone
• Monitor your bank statement for the next scheduled billing date to confirm no charge occurs
• If an unexpected charge appears, contact your bank within 8 weeks to initiate a chargeback
• If you need a refund under the 14-day cooling-off period, contact ClearScore support within 14 days of your first charge

Summary and next steps

Cancelling ClearScore Protect or ClearScore Coach takes just a few minutes through the app or website, and you retain full access to your free credit score and report after cancellation. Under UK consumer law, you have the right to cancel within 14 days for a full refund, and you can cancel ongoing subscriptions anytime with no financial penalty.

The key is to act quickly, save your confirmation, and monitor your next billing date to ensure no charge occurs. If ClearScore charges you after you've cancelled, your bank can help you recover those funds through a chargeback.

Stopee has helped thousands of consumers cancel unwanted subscriptions safely and recover unauthorised charges. If you encounter resistance from ClearScore or if charges continue after cancellation, Stopee's consumer guides and escalation advice are available to support your next steps. Visit Stopee today to explore your options and get your cancellation processed with confidence.

ClearScore cancellation address for postal requests

If you need to send a written cancellation request by post, address your letter to the address shown in your ClearScore account settings under "Contact us" or at the bottom of your billing emails. Include your full name, email, date of birth, and a clear statement requesting cancellation of your paid subscription. Use recorded delivery to ensure proof of posting.