Manage Yourscoreandmore

How to cancel yourscoreandmore and reclaim your money (the right way)

What is yourscoreandmore and why you might want to leave

Yourscoreandmore is a U.S.-based credit monitoring and identity protection service that tracks your credit score, alerts you to suspicious activity, and offers personalised financial guidance. As an Indian subscriber, you pay in USD through recurring monthly or longer-term plans, which can add up quickly once currency conversion and bank fees are factored in.

Many Indian users sign up for the free trial - often just ₹1 or $1 for the first week - only to find themselves locked into a paid subscription they no longer need or can afford. If you're here, you've realised the service isn't delivering value, or the ongoing USD charges feel too steep. Stopee exists to help you navigate this cancellation process step by step, ensuring you don't lose money to forgotten charges.

How yourscoreandmore works

The service operates entirely online from U.S. servers and operates on a recurring billing model. Your account is tied to your email address and a credit card or digital payment method. Auto-renewal happens at the end of each billing cycle - which means if you don't cancel deliberately and in writing, you will be charged again.

Why cancelling matters for indian users

Because Yourscoreandmore is based in the United States, all charges appear in USD on your Indian bank statement. By the time foreign exchange fees and card markup are applied, a $39.94 monthly plan can cost you between ₹3,500 and ₹3,700 per month. Over a year, that's ₹42,000 to ₹44,400 - a significant amount many Indian subscribers don't realise they're committing to.

Understanding your consumer rights before you cancel

Indian consumer protection law gives you specific rights when dealing with international subscription services. Understanding these rights strengthens your position if Yourscoreandmore refuses to refund or delays your cancellation.

What the consumer protection act 2019 says about subscriptions

Under the Consumer Protection Act 2019, you have the right to receive services as described, to be protected against unfair contract terms, and to seek redress if a service provider misleads you or fails to deliver. If Yourscoreandmore's marketing promised features you didn't receive, or if it made cancellation deliberately difficult, you have grounds to escalate a complaint.

The Central Consumer Protection Authority (CCPA) and your state's consumer commission can intervene if Yourscoreandmore ignores your cancellation request or continues billing after you've asked to cancel. This is your legal safety net.

Your right to information and transparency

You have the right to clear information about billing dates, auto-renewal terms, and cancellation procedures before you pay. If Yourscoreandmore buried these terms in fine print or made cancellation intentionally hidden, that violates consumer protection principles. Document everything: screenshots of the signup page, emails, billing statements, all communication with the company. This evidence matters if you need to file a complaint with the consumer commission.

Official methods to cancel yourscoreandmore

Yourscoreandmore offers three primary cancellation channels. Each has strengths and weaknesses - Stopee recommends using the method that leaves the clearest paper trail.

Email cancellation (most reliable)

Email is your strongest option because you receive written confirmation and have a timestamped record. The company's support email is support@yourscoreandmore.com. This method works for all Indian users regardless of time zone issues with phone lines.

Phone cancellation (fastest, but risky)

You can call Yourscoreandmore at (800) 950-8040 during U.S. Pacific Time business hours: Monday to Friday 5 AM to 6 PM PT, or Saturday to Sunday 7 AM to 3:30 PM PT. Keep in mind that this number is a U.S. toll number, which may incur international calling charges from India. Additionally, phone cancellations lack a written trail unless the company emails you a confirmation - which it may not do automatically.

Online contact form (backup option)

Visit the Yourscoreandmore website and locate their contact or support form. Submit a cancellation request there. Like email, this method leaves a digital record, but response times can be slower than email or phone.

Step-by-step cancellation guide

Follow these exact steps to cancel Yourscoreandmore and protect yourself from ongoing charges.

Cancellation via email (recommended method)

1. Gather your account details before you write.
   • Your full name as it appears on the account
   • Your registered email address
   • The last 4 digits of your payment card or digital wallet
   • Your subscription plan name (monthly, 6-month, annual)
   • The date you signed up and the date your current billing cycle ends
2. Open your email and compose a new message to support@yourscoreandmore.com.
   • Subject line: "Cancellation Request for [Your Full Name]"
   • Keep the tone professional and clear, not emotional
3. Write your cancellation email with these key details.
   • State clearly: "I request immediate cancellation of my Yourscoreandmore subscription."
   • Include all account identifiers listed in step 1
   • Do NOT ask questions or express doubt - be direct and decisive
   • Add this sentence: "Please confirm cancellation in writing within 48 hours and confirm that no further charges will be applied to my account after [today's date]."
4. Send the email and wait for a reply.
   • Response times typically range from 24 to 72 hours
   • Warning: If you don't receive a written confirmation within 5 business days, send a follow-up email and note the original send time
5. Save and screenshot the company's confirmation email.
   • Forward it to a personal email account as backup
   • Take a screenshot showing the full email chain, including headers
6. Monitor your bank statement for 30 days after cancellation.
   • Check for any charges from Yourscoreandmore or its payment processor
   • If an unwanted charge appears, contact your bank immediately - do not wait

Cancellation by phone (if you prefer a faster response)

1. Convert the time before you call.
   • U.S. Pacific Time is 13.5 hours behind Indian Standard Time (IST)
   • When it's 9 PM in New Delhi, it's 7:30 AM PT
   • Call during their Monday-Friday 5 AM-6 PM PT window, which overlaps with 6:30 PM-7:30 AM IST
2. Prepare your account details and a notepad before dialling (800) 950-8040.
   • Have all identifiers from the email method ready
   • Write down the exact date and time you call
3. When connected, state your cancellation request clearly.
   • Say: "I want to cancel my subscription effective immediately."
   • Provide your account details when asked
   • Do not accept any retention offers or discounts - your mind is made up
4. Request a written cancellation confirmation.
   • Ask the representative to send you a confirmation email immediately after the call
   • Note the representative's full name, job title, and exact time of call in your notepad
   • Pro tip: Ask for their direct email or a reference number for this cancellation
5. Follow up with an email if no confirmation arrives within 24 hours.
   • Send a brief email to support@yourscoreandmore.com with your call details: date, time, and representative name
   • Request written confirmation that your cancellation was processed

Critical warning: what does NOT cancel your subscription

Stopee must emphasise this because thousands of users make this mistake. Simply removing Yourscoreandmore from your phone, uninstalling the app, or clicking "unsubscribe" on marketing emails does nothing to stop your subscription or charges. These actions only remove marketing emails - your billing remains active. You must contact the company directly via email, phone, or their contact form to cancel your paid membership.

What happens after you cancel

Cancellation can feel anticlimactic because access and billing don't always stop immediately - understanding the timeline prevents unnecessary anxiety.

Access to your account and features

After you cancel, you retain access to Yourscoreandmore until the end of your current billing period. For example, if your monthly plan renews on the 15th and you cancel on the 7th, you can still use the service until the 14th. This is standard practice, not a delay in processing your cancellation. On the 15th, your access should automatically lock, and no new charge should appear on your card.

Warning: If a charge does appear on the 15th, contact your bank immediately and escalate the issue with Yourscoreandmore in writing, referencing your cancellation confirmation email.

Your account data and records

Yourscoreandmore may retain your account information after cancellation according to its privacy policy - typically for legal, tax, and fraud-prevention purposes. If you want confirmation that your data will be deleted, request this in writing. Send a follow-up email to support@yourscoreandmore.com stating: "Please confirm in writing that my account will be closed and my personal data will be deleted in accordance with your data retention policy within [30 days]." Keep this confirmation for your records.

Will you get a refund

Refund eligibility depends on when you cancel and whether Indian consumer protection law applies to your situation.

Yourscoreandmore's official refund policy

The company's published terms state that subscription fees are generally non-refundable. There is no automatic 14-day cooling-off period or money-back guarantee listed on their site. However, Yourscoreandmore does operate a discretionary "Refund Application" process reviewed by its Legal and Accounting Department. A refund is not guaranteed, but it is possible if you meet certain criteria.

When you can request a refund

1. Within 7 days of signing up during the trial period.
   • If you were charged the trial fee ($1 or ₹1) and paid for a full plan immediately after, request a refund of the full plan amount within the first week
   • The sooner you act, the stronger your case
2. If you were charged without clear consent.
   • If the signup process was unclear, if the auto-renewal terms were hidden, or if you cancelled but were charged again, you have grounds for a refund
   • Document the evidence: screenshots of the signup flow, billing statements, cancellation confirmation
3. If the service failed to deliver promised features.
   • If your credit score tracking didn't work, alerts weren't sent, or core features were unavailable, you may qualify for a partial refund
4. Under Indian consumer protection law.
   • If Yourscoreandmore misled you in its marketing or made cancellation unfairly difficult, the Consumer Protection Act 2019 entitles you to compensation
   • This is separate from the company's refund policy and can be claimed via the state consumer commission

How to request a refund

Email support@yourscoreandmore.com with the subject "Refund Request for [Your Full Name]". Explain clearly why you deserve a refund (within trial period, service failure, misleading terms, etc.), include all relevant dates and screenshots, and state the amount you're requesting. Be specific: "I was charged ₹3,500 on [date] for a service that did not work as described. I request a full refund."

Expect a response within 5 to 10 business days. If the company refuses and you believe it violated the Consumer Protection Act, file a complaint with your state's consumer commission. Stopee recommends keeping all communication and evidence until the refund matter is fully resolved.

Yourscoreandmore pricing and subscription plans

Understanding what you pay each month helps you calculate the true cost of staying subscribed and justifies your cancellation decision.

Plan pricing in USD and INR equivalent

All prices are listed in USD on the official website. Indian card users pay an additional 2-3% foreign exchange markup and potential GST charges from their payment processor. A $39.94 monthly charge often results in a ₹3,500-₹3,700 debit to your Indian bank account. Over 12 months, even the supposedly discounted annual plan costs you roughly ₹12,400 to ₹12,700 - a significant expense if you're not actively using the service.

Common mistakes to avoid when cancelling

Cancellation is simple, but small errors leave you vulnerable to surprise charges. Let's walk through the pitfalls thousands of users have already fallen into so you don't have to.

Mistake 1: deleting the app without contacting the company

Removing Yourscoreandmore from your phone feels like cancelling, but it isn't. Your subscription remains active in the company's database. Your card will be charged on renewal day, and you won't see it coming because you deleted the app that would have sent you a reminder.

Mistake 2: ignoring unsubscribe emails as a cancellation method

Yourscoreandmore sends marketing emails with unsubscribe links at the bottom. Clicking "unsubscribe" removes you from their marketing list only. Your paid subscription continues. Many users make this mistake and wonder why they're still being charged months later.

Mistake 3: assuming verbal confirmation is enough

If you cancel by phone and the representative says "You're all set," that's not a guarantee. Without a written confirmation email, you have no proof the cancellation was processed. If a charge appears on your next renewal, the company can claim it never received your cancellation request.

Mistake 4: not monitoring your bank statement after cancellation

The most dangerous mistake is assuming the process is complete and forgetting about it. Billing errors happen. If you don't check your statement for 30 to 60 days after cancellation, you might miss a rogue charge that becomes harder to dispute later. Set a phone reminder to review your bank or credit card statement 7, 14, and 30 days after receiving your cancellation confirmation.

Mistake 5: not saving your confirmation emails

If your email account is hacked or you switch providers, losing your cancellation confirmation email leaves you without proof. Screenshot every confirmation email and store the image in cloud storage (Google Drive, OneDrive) and a personal folder on your computer. This is your insurance policy.

Checklist for a successful cancellation

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

1. Gather account details (full name, email, last 4 of payment method, subscription plan, signup date)
2. Send a cancellation email to support@yourscoreandmore.com or call (800) 950-8040 with your request
3. Request written confirmation of cancellation in your initial message
4. Receive written confirmation within 5 business days and screenshot it
5. Forward the confirmation email to a personal backup email account
6. Wait until the end of your current billing period to verify access is locked
7. Check your bank statement on your renewal date and confirm no charge appears
8. Check again 7, 14, and 30 days after your cancellation date
9. If you requested a refund, track the status and follow up in writing after 10 days if no response
10. Keep all emails, screenshots, and bank statements for at least 90 days

When to escalate your complaint to consumer authorities

Yourscoreandmore's customer support occasionally ignores cancellation requests or continues billing after you've cancelled. If this happens to you, you have legal recourse.

File a complaint with your state consumer commission

The Consumer Protection Act 2019 gives every Indian consumer access to state and district consumer commissions. You can file a complaint online or in person if:

• Yourscoreandmore continues charging you after a cancellation request
• The company refuses to provide a refund you're entitled to
• You can prove the company misled you about auto-renewal or cancellation terms
• The company ignored your complaints for more than 30 days

Visit your state's consumer commission website (search "[Your State] Consumer Protection Commission") and file a complaint with all supporting evidence. You can pursue this claim even though Yourscoreandmore is based in the U.S. - the Indian Consumer Protection Act applies to all services offered to Indian consumers.

Dispute the charge with your bank

If an unwanted charge appears on your card after cancellation, contact your bank within 7 days. Report it as an unauthorized or disputed transaction. Your bank will investigate and typically reverse the charge within 7 to 30 days while the dispute is pending. This is faster than waiting for Yourscoreandmore to issue a refund.

Final checklist: should you keep or cancel

If three or more items in the "Reason to Cancel" column apply to you, it's time to move forward with cancellation. Stopee has helped thousands of Indian consumers cancel Yourscoreandmore and recover refunds by following the exact steps outlined in this guide. You're in control of your subscriptions - not the other way around.

Contact yourscoreandmore to cancel

Here are all the official cancellation channels:

• Email (recommended): support@yourscoreandmore.com
• Phone: (800) 950-8040 (U.S. Pacific Time, Monday-Friday 5 AM-6 PM PT, Saturday-Sunday 7 AM-3:30 PM PT)
• Online contact form: Visit their website support page and submit a cancellation request
• Mailing address (for formal dispute or refund application): Yourscoreandmore, Inc., U.S. Headquarters (exact address available on their official website)

Send your cancellation request today and monitor your bank statement for the next 30 days. If you need guidance at any step, Stopee (stopee.com) is here to help you navigate cancellations with confidence and protect your money from unwanted recurring charges.