Manage Yourscoreandmore

How to cancel yourscoreandmore and protect your credit in new zealand

What is yourscoreandmore and why you might want to leave

Yourscoreandmore is an online credit-monitoring and credit-reporting service that operates on a subscription model with automatic renewal. The company offers memberships in monthly, six-monthly, and annual options, all billed in US dollars. If you signed up for a trial period, billing kicks in automatically after your trial ends unless you cancel first.

Many New Zealand users find themselves charged unexpectedly because cancellation isn't straightforward. At Stopee, we've helped thousands of consumers navigate subscription services, and Yourscoreandmore presents a common challenge: automatic billing without clear, upfront cancellation pathways. Understanding your options before you act gives you the leverage to cancel confidently.

When cancellation makes sense

You might want to cancel if you've changed your mind about the service, prefer a competitor, or feel the cost no longer justifies the value. New Zealand consumers often cancel credit-monitoring services after discovering cheaper local alternatives or after their trial period ends and charges bite harder than expected.

The automatic renewal trap

Yourscoreandmore's terms confirm that your membership renews automatically until you actively cancel. This is where most people slip up: they assume the trial ends the subscription, but it doesn't. Your card or PayPal account will be charged on renewal unless you act first.

Yourscoreandmore pricing and plan options

All plans are priced in US dollars, so your final New Zealand dollar cost depends on the current exchange rate and your payment processor's fees.

Why pricing matters for cancellation

If you're on a monthly plan at US$39.94, you're facing roughly NZD$70+ per month depending on exchange rates. Cancelling immediately stops future charges, but only if you act before your next billing date. Stopee recommends checking your billing date on your account dashboard first-this tells you exactly how much time you have.

How to cancel yourscoreandmore: step-by-step

You have three cancellation methods available. The most reliable approach combines email and phone contact to create a paper trail.

Primary cancellation methods

• Email: Contact support@yourscoreandmore.com with a clear cancellation request. Keep your sent message and any reply.
• Phone: Call customer support at (800) 950-1840 (US number, so expect international rates). Write down the date, time, and the agent's name.
• Contact form: Use the secure Contact Us form on Yourscoreandmore's website to request immediate cancellation.

The cancellation process you should follow

1. Log into your Yourscoreandmore account
   • Find your account settings or billing page
   • Locate your next billing date and current plan type
   • Note your registration email address
2. Send a cancellation email to support@yourscoreandmore.com
   • Write: "Please cancel my subscription immediately. Account email: [your email]. I request written confirmation of cancellation."
   • Screenshot your email before sending
   • Save any reply in a folder labelled "Yourscoreandmore cancellation"
3. Call customer support at (800) 950-1840
   • State clearly: "I want to cancel my membership effective immediately"
   • Ask for a cancellation confirmation number
   • Write down the agent's name, call time, date, and confirmation number
4. Follow up in writing within 48 hours
   • Send a second email referencing your phone call: "On [date] I called to cancel. Agent [name] provided confirmation number [number]. Please confirm cancellation in writing."
   • This creates legal documentation if disputes arise
5. Monitor your payment method for at least one full billing cycle
   • Check your credit card or PayPal statement weekly
   • If you see a renewal charge, contact your bank or PayPal immediately and dispute the transaction
6. Escalate if charges continue
   • If Yourscoreandmore ignores your cancellation, file a complaint with your bank
   • Contact the Commerce Commission (New Zealand's regulator) if you suspect misleading billing practices

Pro tip: Call during Yourscoreandmore's business hours (US time, typically 9 AM-5 PM Eastern) to avoid voicemail delays. Email gives you written proof; phone gives you immediate action. Use both.

Warning: Do not rely on the contact form alone. Online forms can vanish or be marked as spam. Always email and call to create multiple evidence trails.

What happens after you cancel

Cancellation stops future billing, but access to your account and data handling vary depending on your plan and Yourscoreandmore's processing speed.

Access and account status

Most cancellations take effect immediately upon confirmation, but Yourscoreandmore may not remove your access right away. Your credit reports and monitoring tools may remain available for a few days or until your paid period fully expires. Check your account a few days after cancellation to see if access has changed.

Your data and account retention

Cancellation does not automatically delete your account or personal data. Yourscoreandmore keeps your information on file according to its privacy policy. If you want your data removed, you must request deletion explicitly in a follow-up email: "Please delete my account and all associated personal data."

Auto-renewal confirmations

After cancellation, Yourscoreandmore should stop all auto-renewal attempts. However, monitor your statements for at least two full billing cycles. If a charge appears after cancellation, you have grounds to dispute it with your bank and escalate to regulators.

Refunds: what you're entitled to in new zealand

Yourscoreandmore's published terms do not guarantee refunds for cancelled subscriptions. However, New Zealand consumer law provides protections that may override their policy.

Official refund policy

The company's Terms of Use state that automatic billing begins after trial periods and that cancellations stop future charges. Refunds for past charges are not promised. Some users report that Yourscoreandmore has issued one-time courtesy refunds after submitting a refund application, but this is inconsistent and never guaranteed.

Your rights under new zealand law

The Fair Trading Act (1986) requires that suppliers provide clear, truthful information about services, pricing, and billing. If Yourscoreandmore misled you about trial terms, charges, or cancellation difficulty, you may have grounds for a refund. The Consumer Guarantees Act (1993) protects you if the service fails to meet reasonable standards of quality and fitness.

Stopee recommends documenting any misleading information you received at sign-up-screenshots of trial terms, email confirmations, or pricing pages. This evidence strengthens your case if you need to lodge a formal complaint.

How to request a refund

• Email support@yourscoreandmore.com with your refund request before cancelling. Be specific: state the billing date, amount, and reason (for example, "I was charged US$39.94 on [date] without clear disclosure that the trial would auto-renew").
• If Yourscoreandmore refuses, escalate to the Disputes Tribunal (New Zealand) for claims under NZD$2,000 (or NZD$3,000 if both parties agree).
• Contact the Commerce Commission if you believe misleading conduct breached the Fair Trading Act.

Pro tip: Do not assume you're ineligible for a refund. Many companies issue refunds to consumers who ask politely and document their case. The worst they can say is no.

Common mistakes to avoid when cancelling

We understand cancellation stress-you're worried the charge will go through again, or that the company will ignore you. These fears are justified, and that's why knowing what NOT to do is as important as knowing what to do.

Mistake 1: cancelling only through the website

If Yourscoreandmore's website has an online cancellation option, use it-but do not rely on it alone. Many users report that online cancellations vanish without confirmation. Always email and call afterwards to verify and create a backup record.

Mistake 2: not tracking your billing date

If you cancel three days before your next renewal, the charge may still go through because of processing delays. Cancel as soon as you decide, and monitor your statement for 7-10 days after each scheduled billing date to catch any errant charges.

Mistake 3: assuming trial cancellations are automatic

Many users think cancelling during the trial period means the trial simply ends. It doesn't. You must explicitly cancel to stop the membership from converting to a paid subscription. Stopee has seen countless cases where users were shocked by unexpected charges because they ignored this step.

Mistake 4: not keeping evidence

If you need to escalate to your bank or the Commerce Commission, you'll need proof that you cancelled. Screenshots of cancellation emails, call notes with agent names, and confirmation numbers are your lifeline. Keep them in a dedicated folder on your computer or phone.

Mistake 5: ignoring unexpected charges

If Yourscoreandmore charges you after cancellation, act immediately. Contact your bank or PayPal to dispute the transaction within 120 days. The sooner you dispute, the stronger your case.

Your consumer rights in new zealand and how to enforce them

As a New Zealand consumer, you have strong legal protections against misleading subscription practices and failed cancellations.

The fair trading act (1986)

This law prevents suppliers from making false, misleading, or deceptive statements about services, pricing, or billing terms. If Yourscoreandmore's trial offer was unclear, or if cancellation was deliberately difficult, the company may have breached the Act. You can lodge a complaint with the Commerce Commission for free.

The consumer guarantees act (1993)

Under this law, services must be of acceptable quality, fit for purpose, and safe. If Yourscoreandmore's credit-monitoring service fails to deliver on its promises, or if cancellation failures cause you financial harm, you have grounds for compensation.

Where to complain if yourscoreandmore ignores you

• Commerce Commission: File a complaint online at www.businessinfo.govt.nz or call 0800 943 600. They investigate misleading conduct and can take enforcement action.
• Consumer NZ: Visit www.consumer.org.nz for advice on your rights and dispute resolution pathways.
• Disputes Tribunal: If you're owed a refund under NZD$2,000 (or NZD$3,000 if both parties agree), you can lodge a free claim at www.disputes.govt.nz.
• Your bank or PayPal: If Yourscoreandmore charges you after cancellation, dispute the transaction immediately. Provide your bank with evidence of cancellation (emails, call notes) to strengthen your dispute.

Stopee emphasises that you do not need a lawyer to pursue these complaints. The Commerce Commission and Disputes Tribunal are designed for consumers to use without legal representation.

Cancellation checklist

Use this checklist to ensure you've covered every step and built a solid evidence trail.

After cancellation, continue with these steps:

Why stopee is your partner in cancellation

Cancelling a subscription should be simple, but companies like Yourscoreandmore rely on friction to keep you paying. Stopee exists to cut through that friction and hand you back control. Our guides cover hundreds of subscription services, and we've helped thousands of New Zealand consumers cancel confidently, recover money, and protect themselves from dark patterns.

Whether you're fighting a surprise charge, unsure of your rights, or just ready to move on from Yourscoreandmore, Stopee gives you the step-by-step roadmap and the legal knowledge to back it up. Visit Stopee.com to explore guides on other subscription services and learn how to spot cancellation traps before you sign up.

Contact information for postal escalation

If email and phone contact fails, you may need to send formal written notice. Yourscoreandmore's US headquarters address for cancellation requests is:

Yourscoreandmore (US headquarters)
[Contact via email support@yourscoreandmore.com or phone (800) 950-1840 for current mailing address]

Important note: Yourscoreandmore does not maintain a dedicated New Zealand office or postal address. All cancellations must be handled through their US-based support channels. This is another reason why email and phone confirmation are critical-postal mail from New Zealand to the US can take 10-20 days, and your billing cycle may complete before your letter arrives.

Send any formal cancellation notice via email (which provides instant proof of delivery) rather than post whenever possible. If you must send postal notice, use tracked international mail and retain the tracking number as evidence.

Stopee is here to help you navigate subscription cancellations with confidence. Armed with this guide, you now understand Yourscoreandmore's terms, your legal rights, and the exact steps to cancel without stress. Take action today, and join the thousands of consumers who've used Stopee.com to reclaim control of their subscriptions.