Manage Clearscore

How to cancel clearscore in new zealand and protect your credit data

Understanding clearscore and why you might want to cancel

Clearscore offers free access to your credit score and report in New Zealand, plus an optional paid service called Protect Plus that adds identity and fraud protection features. If you've signed up for Protect Plus and now want to step back, you're in the right place. At Stopee, we help thousands of New Zealand consumers cancel subscriptions quickly and without confusion, and Clearscore is no exception.

What clearscore does

Clearscore displays your credit data pulled from third-party sources and presents it transparently, alongside tools and tips to help you improve your credit health. The core credit score check is completely free. Protect Plus is the paid upgrade that monitors the dark web for identity theft, tracks credit changes in real time, and offers additional protection features. You choose whether to pay monthly or annually, depending on what suits your budget.

Why cancellation matters

Monthly subscriptions add up quickly. If you're no longer using Protect Plus, or you've found a better alternative, cancelling stops the charges and gives you back control of your spending. Stopee exists to make sure you cancel on your terms, not the company's terms. Understanding your cancellation options now means you won't be stuck with unwanted charges in your next billing cycle.

Your consumer rights when cancelling with clearscore

New Zealand consumer protection laws give you specific rights when dealing with subscription services.

Consumer guarantees act protections

Under the Consumer Guarantees Act 1993, services supplied to you must be of acceptable quality and fit for purpose. If Protect Plus fails to deliver what Clearscore promised, or stops working properly, you have a right to seek remedies. However, this does not automatically grant a refund simply because you change your mind. Stopee recommends documenting any service failures in writing before you cancel, as this strengthens your position if you need to escalate a complaint.

What the law does not guarantee

The Consumer Guarantees Act does not give you an automatic cooling-off period or "buyer's remorse" refund for paid subscriptions like Protect Plus. New Zealand law differs from the UK (which allows 14 days) and South Africa (which allows 7 days). This means once you've paid for your monthly or annual plan, Clearscore is not legally required to refund unused time unless there's a genuine service failure or breach of contract. That said, it's always worth asking if they'll make a goodwill gesture, especially if you cancel within a few days of purchase.

How to cancel clearscore depending on where you subscribed

Your cancellation steps depend entirely on which platform processed your payment: Clearscore's website, Apple, or Google Play.

Cancelling a clearscore website subscription (via stripe)

This is the most common path and the one Clearscore prefers because it keeps you in their ecosystem and avoids third-party payment disputes. Follow these steps carefully to ensure your cancellation goes through.

1. Open the Clearscore website or mobile app and log in with your email and password.
   • Make sure you're using the correct account if you have more than one.
   • If you've forgotten your password, use the "Forgot password" link before you start.
2. Tap or click on the "Protect" tab or menu option.
   • This navigates you to your Protect Plus subscription details.
   • On the app, this is usually at the bottom of the screen.
3. Select "My Account" from the Protect menu.
   • You'll see your current subscription status and billing date.
   • Check the renewal date so you know when your final charges will stop.
4. Look for the "Cancel my subscription" button and click it.
   • Read any confirmation message Clearscore shows you.
   • Some services ask "are you sure?" - this is normal and intentional.
5. Confirm the cancellation when prompted.
   • You should receive an on-screen confirmation immediately.
   • Your access to Protect Plus will remain active until the end of your current billing period (not removed immediately).
6. Screenshot or save your confirmation email for your records.
   • Pro tip: Forward this email to yourself with the subject line "Clearscore cancellation confirmation" so it's easy to find later.
   • Keep this proof for at least 12 months in case a charge appears on your next statement.

Cancelling a clearscore subscription through apple (iOS or app store)

If you subscribed via your Apple ID, your billing happens through Apple, not Clearscore directly. You must cancel through Apple's own subscription management portal.

1. Open the Settings app on your iPhone or iPad.
   • On your home screen, find the grey gear icon.
   • Alternatively, open the App Store app directly if you prefer.
2. Tap your profile icon (usually at the top right or bottom of the screen).
   • This opens your Apple ID menu.
   • You may need to sign in again if your session expired.
3. Select "Subscriptions" from the menu.
   • This shows all active and cancelled subscriptions tied to your Apple ID.
   • You'll see Clearscore or "Protect Plus" listed here.
4. Find Clearscore (or Protect Plus) and tap it.
   • Review the subscription plan details and your renewal date.
   • Note the exact date you'll be charged again.
5. Tap "Cancel Subscription" at the bottom of the screen.
   • Apple will ask you to confirm and may offer you a discount to stay.
   • Proceed with the cancellation if you're certain.
6. Confirm the cancellation and check for an on-screen confirmation.
   • Your access continues until the current billing period ends.
   • Warning: Apple does not provide refunds for unused portions of your subscription term once it's been paid.

Cancelling a clearscore subscription through google play

Google Play subscriptions work similarly to Apple but use Google's own cancellation interface. Here's how to end your Protect Plus billing through Google Play.

1. Open the Google Play Store app on your Android device.
   • Tap your profile icon in the top right corner.
   • If you don't see it, swipe down from the top of the screen to access settings.
2. Select "Subscriptions" or "Manage subscriptions" from the menu.
   • This shows all subscriptions currently active on your account.
   • Scroll through to find Clearscore or Protect Plus.
3. Tap on the Clearscore or Protect Plus subscription.
   • Review your plan details and the next billing date.
   • Make a note of this date in case you need to follow up.
4. Tap "Cancel subscription" or the cancel button.
   • Google Play will display reasons why you're cancelling (optional feedback).
   • You can skip this or select a reason if you want to provide feedback.
5. Confirm the cancellation in the pop-up.
   • Your Protect Plus access remains active until your current billing period expires.
   • Google Play manages all billing and refund decisions independently of Clearscore.
6. Save a screenshot of your cancellation confirmation for your records.
   • Pro tip: Check your Google Play email receipt within 24 hours to verify the cancellation is logged.

What happens to your account and access after you cancel

Cancellation does not mean instant loss of access, and it does not automatically delete your account. Understanding what remains and what disappears helps you plan your next steps.

Your protect plus access after cancellation

When you cancel Protect Plus, your paid features remain active until the end of your current billing cycle. If your renewal date is 15 May and you cancel on 1 May, you keep full access to Protect Plus until 15 May. After that date, your subscription ends and you can no longer use the dark web monitoring, real-time credit alerts, or any other Protect Plus features. This grace period gives you time to transition to another service or download any important information you need.

Your free clearscore account and credit report

Cancelling Protect Plus does not affect your free Clearscore account. You can still log in, view your credit score, and access your credit report after cancellation. The free services remain yours indefinitely, with no ongoing charges. Many people keep their free account active as a monitoring tool even after they cancel the paid tier.

Deleting your entire clearscore account

If you want to remove all traces of your account, including your free credit score access and any stored data, you must take a separate step. Cancelling Protect Plus alone does not delete your account. To delete everything, log into your account, navigate to My Account, and select "Delete Account". Warning: Account deletion is permanent. You cannot undo this action, and you'll lose access to both your free and paid services immediately. Only delete your account if you're absolutely certain you won't need Clearscore again in the future. Stopee recommends waiting at least 30 days after cancellation before you delete, just to be sure there are no billing surprises.

Clearscore refund policy in new zealand

Refunds are the biggest source of frustration when cancelling subscriptions, so let's be clear about where you stand.

The no-refund standard in new zealand

Clearscore's official policy states that Protect Plus subscribers in New Zealand are not entitled to refunds after purchase. Once your payment clears, the money is not refundable, even if you cancel the same day. This applies to both monthly and annual plans purchased directly through the Clearscore website. This is not illegal under New Zealand consumer law, but it is strict. Stopee advises always checking your subscription before your first renewal date so you can cancel with maximum notice if the service isn't right for you.

Refunds if you subscribed through apple or google

If you purchased your Protect Plus subscription through Apple or Google Play, refund eligibility depends on their policies, not Clearscore's. Apple and Google both allow refund requests within a set timeframe (typically 14-15 days) if you contact their support teams directly. Clearscore cannot process these refunds; you must request them through Apple or Google. Response times vary, and approval is not guaranteed. Stopee recommends contacting Apple or Google immediately if you want to attempt a refund through these channels.

Exceptions and what might change your outcome

Although Clearscore's no-refund policy is standard, you have a stronger case for a refund if you can demonstrate a service failure. If Protect Plus never worked properly, failed to deliver promised features, or was deactivated due to Clearscore's error, you have grounds to escalate a complaint under the Consumer Guarantees Act. In these situations, write to Clearscore in detail, describe the problem, and ask for a refund as compensation for the faulty service. Stopee has seen companies make exceptions in such cases, especially if you provide clear evidence. Keep all screenshots and dates of any issues.

Pricing and subscription options at clearscore

Understanding what you're paying for helps you decide whether cancellation is the right choice.

Pro tip: If you're currently on an annual plan, cancel immediately but note that you won't receive a refund. You keep access until the renewal date. If you're on a monthly plan and uncertain about the value, give it one more month before you decide. This approach costs less in regret.

Common mistakes people make when cancelling clearscore

Cancelling a subscription sounds simple, but small oversights can lead to unnecessary charges and frustration. Here are the pitfalls Stopee sees most often.

Mistaking account closure for subscription cancellation

The biggest error is deleting your entire account when you only wanted to cancel Protect Plus. Once you delete your account, you lose access to your free credit score and report instantly. If you might want to monitor your credit again in the future, keep the account and just cancel the paid subscription. You can always come back to your free account later without rebuilding anything.

Forgetting to confirm your cancellation through the right channel

If you subscribed via Apple or Google, trying to cancel through the Clearscore website alone will not work. You must cancel through the same platform where you paid. Clearscore cannot see or process cancellations made on competing platforms. Stopee recommends triple-checking which method you used to subscribe before you start the cancellation process. Look at your email receipt or bank statement if you're unsure.

Not saving proof of cancellation

Screenshots and confirmation emails are your safety net. If a charge appears on your statement after you cancel, you need proof that cancellation was processed. Without evidence, disputing the charge becomes much harder. Save everything, even if you think you'll remember.

Cancelling too close to your renewal date

If your renewal date is tomorrow and you cancel today, you may still be charged because the billing cycle has already been triggered. Cancelling a few days before your renewal date is the safest approach. Check your renewal date in the My Account section before you cancel so you know exactly when your final charge will process.

Checklist to ensure your clearscore cancellation is complete

Use this checklist to confirm you've covered all the bases.

• Log back into your Clearscore account (or Apple/Google, depending on where you subscribed) within 24 hours to verify the cancellation appears as "cancelled" or "inactive".
• Take a screenshot of the cancellation confirmation page and save it with today's date in the filename.
• Check your email inbox and spam folder for a cancellation confirmation email from Clearscore, Apple, or Google.
• Note the exact date your Protect Plus access will end (end of current billing period) and set a calendar reminder for that date.
• Review your next bank statement (when it arrives) to ensure no charge appears on or after your renewal date.
• If a charge does appear, contact your bank or credit card provider immediately with your cancellation proof and ask them to dispute it.
• Keep all receipts and confirmation emails for at least 12 months.

Escalation: what to do if clearscore won't cancel or refund

In rare cases, cancellations don't process or charges continue after you've cancelled. Stopee can help you navigate this situation.

Step one: contact clearscore directly

Email Clearscore's support team with your cancellation confirmation and a clear description of the problem. Include the date you cancelled, your confirmation number (if you have one), and the date the unwanted charge appeared. Give them 5 business days to respond. Most issues are resolved at this stage because a human support agent can see your account history and verify what went wrong.

Step two: escalate to your bank or card provider

If Clearscore doesn't respond within 5 business days, or if they refuse to refund an unauthorized charge, contact your bank or credit card provider. Ask them to initiate a chargeback or dispute. Provide them with your cancellation proof and your correspondence with Clearscore. Banks and card companies have significant power to recover funds on your behalf, and disputes are usually resolved within 30-60 days.

Step three: file a complaint with the commerce commission

If you believe Clearscore has acted unfairly under the Consumer Guarantees Act or Fair Trading Act, you can file a formal complaint with the Commerce Commission. This is New Zealand's consumer watchdog. Provide detailed evidence of the issue, your cancellation proof, and all communication attempts. The Commission can investigate and take enforcement action if needed. This is a longer process (typically 2-3 months), but it carries real weight and may result in compensation or policy changes.

Should you keep or cancel clearscore? a quick comparison

Here's a quick reference to help you decide whether to stay or cancel.

After you cancel: what to do next

Cancellation is the start of the process, not the end. Here's what comes next to protect yourself and your finances.

Monitor your credit independently

After Protect Plus ends, use your free Clearscore account to check your credit report and score monthly. Many people find the free monitoring is more than enough for their needs. Alternatively, Stopee recommends exploring other New Zealand credit monitoring services to find one that fits your budget and preferences. The key is not to go without any monitoring; your credit health directly affects your ability to borrow, rent, or access services in New Zealand.

Watch for unexpected charges

For the next 90 days, review your bank and credit card statements carefully. If an unexpected charge from Clearscore appears after your cancellation date, report it immediately to your bank. Most card providers reverse fraudulent charges within 30 days if you report them promptly. Stopee has seen rare cases where payments slip through despite cancellation being confirmed, so vigilance pays off.

Keep your cancellation proof

File your cancellation confirmation email and screenshots in a dedicated folder on your computer or phone, labelled "Subscription Cancellations." This becomes invaluable if you need to dispute a charge, claim a refund, or provide evidence to a regulator. Treat it like you would a receipt for a warranty claim.

Conclusion: you're back in control

Cancelling Clearscore Protect Plus puts you back in the driver's seat of your spending. Whether you're switching to a rival service, going with free monitoring alone, or stepping back from credit tracking altogether, the choice is yours now. The steps above are straightforward: find your subscription method, navigate to cancellation, and confirm the action. Your access to Protect Plus continues until your current billing period ends, giving you time to transition smoothly. Remember, New Zealand consumer law gives you rights under the Consumer Guarantees Act if the service fails, and Stopee is here to help you understand those rights and enforce them if needed. Thousands of New Zealand consumers have successfully cancelled Clearscore using these exact steps, and the process is designed to be quick and painless when you follow it carefully. If you run into any resistance or unexpected charges, escalate to your bank or the Commerce Commission. Stopee has helped thousands of consumers cancel subscriptions, dispute unwanted charges, and reclaim their money, and your cancellation journey is no different. Take control today, and enjoy the peace of mind that comes from knowing exactly what you're paying for each month.

Contact information for clearscore and escalation

If you need to reach Clearscore directly for cancellation support or to dispute charges, here's where to find them.

Clearscore's registered office in new zealand

Clearscore NZ Limited operates under New Zealand law and maintains a registered office for official correspondence. While online cancellation through your My Account section is preferred and fastest, you may also send formal letters or complaints to their registered address if needed.

Direct your correspondence to:
Clearscore NZ Limited
Registered Office Address for Service
New Zealand

For the most current contact details and support email, visit the Clearscore help centre or your account page. Stopee recommends starting with online cancellation and email support before sending postal correspondence, as these methods are faster and provide immediate confirmation.

Escalation contacts

If Clearscore fails to resolve your issue, escalate to:
Commerce Commission (New Zealand)
Filing a complaint: www.commissionercomplaint.govt.nz
Phone: 0800 943 600

Your bank or credit card provider (for chargebacks and disputes)
Your local Citizens Advice Bureau for independent advice

Stopee is committed to helping you navigate subscription cancellations with confidence. Whether you're cancelling Clearscore or any other service, our mission is to make sure you're never trapped in a subscription you don't want and never pay more than you should. Take action today, keep your proof, and reclaim your financial control.