Manage Your Score & More

How to cancel your score & more in new zealand

What your score & more is and why new zealanders use it

Your Score & More is a subscription service designed to give you access to your credit score information, monitoring tools and identity alerts. The service helps you keep track of your creditworthiness and stay informed about changes to your credit file, which can be useful when you're planning to apply for a loan or mortgage.

If you've signed up but no longer need the service, or if you've found a better alternative, cancelling is straightforward. Stopee understands that subscription fatigue is real, and we're here to walk you through every step of the cancellation process so you can exit without stress or hidden charges.

Who uses your score & more

New Zealand consumers typically subscribe to credit monitoring services when they want ongoing visibility of their credit standing, need to detect identity theft early, or are preparing for a major financial application. Once your situation changes-whether you've secured your loan, moved overseas, or simply want to reduce monthly expenses-you have the right to cancel at any time.

Why you might want to cancel

Common reasons for cancellation include finding cheaper alternatives, not using the service regularly, unexpected billing charges, or simply preferring to check your credit score manually through free providers. Whatever your reason, Stopee is here to ensure your cancellation is processed cleanly and without unnecessary delays.

Your consumer rights under new zealand law

Before you cancel, it's important to understand the protections New Zealand law gives you as a consumer.

Consumer guarantees act protections

The Consumer Guarantees Act (CGA) protects you when you purchase services like Your Score & More. Under the CGA, you have the right to expect that any digital service is of acceptable quality, fit for purpose and supplied with reasonable care and skill. If Your Score & More fails to deliver what was promised-for example, if you can't access your credit score information despite paying for it-you can request a refund, replacement or compensation under the CGA.

Additionally, the Fair Trading Act makes it illegal for suppliers to engage in misleading conduct or deceptive practices. If Your Score & More misrepresents its features, pricing or renewal terms, you have grounds to escalate your complaint to the Commerce Commission or seek a refund through your bank's chargeback process.

Your right to cancel and request refunds

You have the right to cancel Your Score & More at any time, subject to the service's terms and conditions. However, New Zealand law also allows you to request a refund if the service was billed without clear consent, if renewal happened without proper notice, or if the service fails to meet the Consumer Guarantees Act standards. If the company refuses a legitimate refund request, you can escalate to the Commerce Commission or seek advice from Citizens Advice Bureau.

Pricing plans for your score & more

Understanding what you're paying for helps you decide whether to keep your subscription or cancel.

Pricing overview for new zealand customers

Your Score & More offers multiple subscription tiers, though exact New Zealand pricing in NZD is not consistently published online. Check your most recent billing email or log into your account dashboard to see your exact plan and monthly or annual charge. Stopee recommends taking a screenshot of your billing page before you cancel, so you have proof of the charges you've been paying.

Always verify your current plan and charges on your account billing page, as pricing and features change. If you spot unexpected charges or price increases, note them before you cancel-you may have grounds for a refund.

When you should cancel your score & more

Cancellation makes sense in several common situations.

Signs you're ready to cancel

You should consider cancelling if you're not checking your credit score regularly, if you've found a cheaper alternative, if you've completed the financial task you were monitoring for, or if the monthly cost is no longer worth the value. Stopee also recommends cancelling if you notice hidden fees, if your renewal date keeps changing, or if customer support is unresponsive-these are red flags that the service doesn't respect your business.

Before you cancel-what to do

Take screenshots of your current account dashboard, your most recent billing statement and any outstanding alerts or reports. Export or download any credit reports or historical data you want to keep, as access often stops immediately after cancellation. Request a final statement from customer support if you're unsure about refund eligibility. This groundwork protects you if a dispute arises later.

How to cancel your score & more

Your Score & More offers multiple cancellation methods; use the one that suits your situation best.

Cancel through your online account

Cancelling directly through your account dashboard is the fastest and most reliable method. Here's how:

1. Log in to your Your Score & More account using your username and password.
   • Visit the Your Score & More website or open the mobile app.
   • Enter your credentials and tap "Log in".
2. Navigate to the Account, Subscription or Billing section.
   • Look for a menu option labelled "My Account", "Subscription", "Settings" or "Billing".
   • The exact label varies depending on your interface version.
3. Select "Cancel subscription", "Turn off auto-renew" or "Manage subscription".
   • You may see a retention offer or survey asking why you're leaving-answer honestly if you wish, but don't feel obligated.
   • Confirm the cancellation date and any final charges.
4. Follow the on-screen confirmation steps and save or screenshot the final confirmation screen.
   • The confirmation should show a cancellation reference number, the date of cancellation and when your access will end.
   • If you don't see a reference number, take a screenshot of the confirmation message.
5. Check your email for a cancellation confirmation within 24 hours.
   • Warning: If you don't receive a confirmation email within one business day, contact customer support immediately with your cancellation reference number.
   • Pro tip: Save the confirmation email in a dedicated folder so you can access it quickly if questions arise later.

Cancel by email

If you prefer written confirmation or if the online cancellation doesn't work, email customer support directly.

1. Compose a clear, professional email to Your Score & More customer support.
   • Use a subject line like "Request to cancel subscription" or "Cancellation request for account [your email address]".
   • Include your full name, account email address, phone number and any subscription or customer ID.
   • State that you want to cancel your subscription and provide the date you want it to end (e.g., "effective immediately" or a specific date).
   • If you want a refund, explain why (e.g., service not used, unexpected charges, billing error).
2. Send the email from the address registered to your account.
   • This confirms your identity and makes it easier for support to locate your record.
   • Request a read receipt or ask them to reply confirming receipt of your cancellation request.
3. Keep a copy of the email you send and any replies from support.
   • Save the correspondence in your email inbox or a document file for your records.
   • Pro tip: Follow up within 48 hours if you haven't received a reply, as emails can get lost.

Cancel by post

If email support is unresponsive or you want an indisputable paper trail, you can send a cancellation letter by post.

1. Write a clear cancellation letter on plain paper.
   • Address it to the customer service department (see the address below).
   • Include your full name, account email, phone number and any account or subscription ID.
   • State the date you want your cancellation to take effect.
   • Keep the letter brief and professional-one page is enough.
2. Send the letter using a recorded delivery service.
   • Visit New Zealand Post, Australia Post (if applicable) or a local postal service.
   • Pay extra for tracking and signature confirmation.
   • Ask for a receipt and proof of postage; save both.
3. Mail your letter to the address below:
   • Your Score And More
     Attn: Customer Service
     6950 Suite 104 Hollister Ave
     Goleta CA 93117-5824
     United States of America
   • Warning: This is a United States address, so postage will be international. Allow 7-14 days for delivery and an additional 5-10 days for processing.
4. Keep a photocopy or photograph of your letter and proof of postage.
   • If a dispute arises, you'll have documentary evidence that you requested cancellation on a specific date.
   • Pro tip: Note the tracking number on your copies so you can follow the letter's progress online.

What happens after you cancel your score & more

Cancellation doesn't end immediately; understanding the timeline helps you know what to expect.

When your access stops

Access to Your Score & More may continue until the end of your current billing period or may stop immediately on cancellation-this depends on the company's policy and the terms you agreed to. Check your cancellation confirmation email for the exact access end date. If the policy isn't clear, email customer support and ask: "When will my access to the service end?" and request a written reply.

Most services allow you to use paid features until the end of the current billing cycle, but some terminate access the moment you click "cancel". Stopee advises confirming this detail so you're not caught off guard.

Auto-renewal and future charges

After successful cancellation, your subscription should not auto-renew and you should not be charged again. Monitor your bank or credit card statement for the next 30 days to confirm no further charges appear. If you see a charge after your cancellation date, contact your bank or credit card issuer immediately and report the transaction as unauthorised.

Pro tip: Set a calendar reminder to check your statement one week after your stated cancellation date. Early action helps you dispute unwanted charges before your issuer's chargeback window closes (usually 60-90 days).

Your data and account retention

Your Score & More may retain your account data for a period after cancellation (typically 30-90 days) for billing and legal compliance reasons. If you want your data deleted sooner, log into your account settings and look for a "Data deletion" or "Privacy" section, or contact support in writing with a formal data deletion request citing the Privacy Act 2020.

Stopee recommends requesting deletion if you have concerns about your personal information remaining on their servers. Keep a copy of your deletion request and any replies from the company.

Will you get a refund?

Refund eligibility depends on when you cancel, the service terms and New Zealand consumer law.

When refunds are likely

You have a strong case for a refund in these situations: you cancel within a trial period (e.g., 14 or 30 days); you were charged without authorisation or clear consent; you cancel within 14 days of a price increase and the new price is higher; the service fails to deliver promised features (covered by the Consumer Guarantees Act); or you can prove misleading marketing (covered by the Fair Trading Act).

A prorated refund (for unused time) is also common if you cancel mid-cycle. For example, if you paid NZD 20 for a month and you cancel after 10 days, you may be entitled to a refund for the remaining 20 days of service, depending on the company's policy.

When refunds are unlikely

If you cancel outside a trial period, have used the service fully, and the terms explicitly state non-refundable subscriptions, the company may deny a refund. However, this does not absolve them of obligations under the Consumer Guarantees Act or Fair Trading Act.

How to request a refund

1. Contact customer support with a clear, timestamped refund request.
   • Email them (preferred, for a paper trail) or call and request a follow-up confirmation email.
   • Explain why you believe you deserve a refund (e.g., trial period, service failure, misleading charges, price increase).
   • Provide your account details, the dates you were charged and the amounts.
   • Request a written response within 10 business days.
2. Keep copies of all correspondence, receipts and statements.
   • Save emails, screenshots of your account and billing statements.
   • Note confirmation numbers, dates and names of support staff you speak with.
3. If the company denies your refund request, escalate to your bank or credit card issuer.
   • Contact your card issuer and request a chargeback (reversal) of the disputed transaction.
   • Provide copies of your correspondence with Your Score & More and explain why you believe the charge was unauthorised or the service was not delivered as promised.
   • Most card issuers offer a 60-90 day window to dispute charges, so act quickly.
4. If the chargeback fails or you paid by direct bank transfer, contact the Commerce Commission.
   • File a complaint if you believe Your Score & More engaged in unfair contract terms, misleading marketing or breach of the Consumer Guarantees Act.
   • The Commerce Commission can investigate and take action against the company.
   • Visit www.comcom.govt.nz or call 0800 943 600 for advice.

Common mistakes to avoid when cancelling

Cancellation should be straightforward, but a few pitfalls can trip you up.

Mistakes that can cost you time and money

Don't assume cancellation is complete just because you clicked a button-always wait for a confirmation email. Forgetting to take screenshots of your account dashboard before cancelling means you'll have no proof of what you were paying or what charges you incurred. Cancelling without checking your billing cycle may mean you lose unused time if the company doesn't offer prorated refunds. Not monitoring your statement after cancellation is a costly oversight; unwanted charges slip through because you weren't watching. And sending a cancellation email without requesting a read receipt means you have no proof the company received it.

Pro tip: Stopee recommends using the online account method whenever possible, because it generates an instant on-screen confirmation. If you must use email or post, always request written acknowledgment.

What to do if cancellation fails

If you receive a cancellation error, try again from a different device or browser. If the error persists, contact customer support immediately and ask them to cancel manually. Email them with a screenshot of the error message and a request for written confirmation that they've processed your cancellation. Do not assume the cancellation went through just because the error message disappeared.

Checklist before and after cancelling your score & more

Use this checklist to ensure nothing is overlooked.

Key takeaways and next steps

Cancelling Your Score & More is a straightforward process when you follow the right steps. Use your online account whenever possible for an instant confirmation, monitor your bank statement for the next 30 days to catch any unauthorised charges, and keep all correspondence as proof. If the company refuses a legitimate refund, Stopee reminds you that you have powerful consumer protections under New Zealand law-the Consumer Guarantees Act and Fair Trading Act are on your side.

If you're unsure whether you qualify for a refund or if the company is not responding to your cancellation request, contact the Commerce Commission or Citizens Advice Bureau for free guidance. Stopee has helped thousands of consumers cancel subscriptions cleanly and recover refunds they were entitled to-you're not alone in this process, and taking the time to do it right pays off.

Start with the online cancellation method today, save your confirmation email, and circle back to check your statement one week later. You've got this, and Stopee is here if you need more support.