Manage Myscoreiq

How to cancel myscoreiq and avoid surprise charges on your card

What is myscoreiq and why you might want to cancel

Myscoreiq is a paid credit monitoring service that tracks your FICO score, reviews your credit reports, and alerts you to identity threats. If you subscribed from the Philippines, you are likely paying a monthly fee in Philippine peso equivalent, charged to your bank card, GCash, or Maya account.

The service offers plans ranging from basic credit monitoring to comprehensive identity protection with dark web surveillance. However, many Filipinos cancel because the cost adds up without visible value, the alerts feel excessive, or they found a free alternative. Stopee understands that cancelling should be straightforward, not a maze of confusing steps.

Understanding what you are paying for

Myscoreiq charges you monthly for continuous monitoring, not a one-time credit check. This matters for cancellation timing because if you do not act before your next billing date, you will be charged again. Your subscription renews automatically unless you explicitly cancel it.

The service includes features like 1-bureau or 3-bureau credit reports, FICO score updates, daily monitoring alerts, and identity-related notifications. The more expensive plans unlock broader credit bureau coverage and more frequent score refreshes. Understanding exactly what tier you are on helps you decide whether the cost justifies staying subscribed.

How myscoreiq operates for customers in the philippines

Myscoreiq does not publish a dedicated Philippine support portal or local customer service number. The company lists a US-based phone line (800) 637-5590 and email support at customerservice@identityiq.com, with hours Monday to Friday, 9:00 AM to 8:00 PM PST. This means you may face delays or timezone challenges when reaching support.

Billing appears in US dollars on their public pricing page, though your bank will convert and charge you in Philippine pesos. This creates an extra layer of confusion when reviewing your statement. At Stopee, we have seen countless customers frustrated because cancellation instructions are vague or the cancel button disappears after signup. This guide cuts through that frustration.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) protects you from unfair subscription practices. You have the right to clear cancellation terms, timely refunds for unauthorized charges, and truthful billing disclosures.

What the law says about cancellations and refunds

Under the Consumer Act, companies must disclose cancellation terms before you pay. Myscoreiq must honour a cancellation request without penalty and stop charging you after the current billing cycle ends. If the company refuses to refund you for duplicate charges or bills you after you cancelled, you can escalate to the Department of Trade and Industry (DTI).

The DTI Consumer Arbitration Service in your region (regional offices across the Philippines) handles complaints about unfair subscription practices, hidden charges, and refund denials. You do not need a lawyer to file a complaint, and the service is free. Stopee recommends gathering screenshots and email confirmations before escalating, because the DTI will ask for proof of your cancellation request and the company's response.

Your right to clear information

Myscoreiq must display the automatic renewal terms, the price, the cancellation method, and your billing date clearly. If any of this information is unclear or missing from their website, the company is already in violation. You can leverage this when disputing unwanted charges with your bank or when filing a DTI complaint.

How to cancel myscoreiq step by step

Follow this sequence to cancel without getting billed again and to leave a clear paper trail for refunds.

Prepare before you cancel

Take screenshots now so you have proof of your plan, price, and next billing date. This protects you if the company claims you never signed up or if a dispute arises later.

• Screenshot your current plan name and monthly price from your Myscoreiq account dashboard
• Save your latest billing receipt or credit card statement showing the Myscoreiq charge
• Write down today's date and your next renewal date (visible in Account or Billing settings)
• Check your bank statement to confirm the merchant name (Myscoreiq, Apple, or Google)
• Copy the support email (customerservice@identityiq.com) and phone number (800) 637-5590 for your records

Attempt cancellation through your myscoreiq account

Your first step is to sign in to Myscoreiq and look for a self-service cancel option. The official website does not publish a step-by-step path, but the cancel button typically lives in Account, Membership, Billing, Subscription, or Settings.

1. Go to myscoreiq.com and log in with your email and password
2. Look for a menu item such as "Account," "Subscription," "Billing," or "Settings"
   • Click into each section and look for "Cancel," "Close Account," or "Manage Plan"
3. If you find a cancel button, click it and read the confirmation screen carefully
   • Take a screenshot of any confirmation message or cancellation number
   • Write down the date and time of the request
4. If the cancel button does not work, does not appear, or shows an error, do not try again
   • Move directly to the email method below instead
5. If you see a confirmation page that says "Your subscription has been cancelled," save it and wait 2 to 3 business days for the system to process
Warning: User reports indicate some customers cannot find a working cancel button on the website. If you try once and get stuck, do not waste time clicking around. Move to the email method immediately.

Cancel by email if the website option fails

Email leaves a permanent record that Stopee recommends you use as your primary cancellation method, even if the website option works. This email serves as legal proof of your cancellation request.

1. Open your email and compose a message to customerservice@identityiq.com
2. Include the following details in the subject line: "Cancellation Request - [Your Full Name] - Myscoreiq Account"
3. In the email body, write clearly:
   • Your full name as it appears on the account
   • Your email address associated with the account
   • Your account number (if you have it; if not, include the last four digits of your billing card)
   • Your next scheduled billing date
   • A clear statement: "I request immediate cancellation of my Myscoreiq subscription. Please confirm cancellation in writing and confirm that no further charges will occur."
   • Your phone number for follow-up
4. Send the email and keep a copy in a folder labeled "Cancellations" on your computer
5. Wait for a response email within 2 to 3 business days
6. When Myscoreiq replies, screenshot the confirmation and save it with your original email
Pro tip: Send your cancellation email at least 5 days before your next billing date. If support is slow, this buffer gives you time to follow up by phone or escalate before you are charged again.

Call to cancel if email does not work within 5 days

If you do not receive an email confirmation after 5 days, call the support line. This adds a voice record and signals seriousness.

1. Call (800) 637-5590 during support hours: Monday to Friday, 9:00 AM to 8:00 PM PST
2. Identify yourself and state your account details (full name, email, last four digits of card)
3. Say clearly: "I want to cancel my Myscoreiq subscription effective immediately. I have already sent an email to customerservice@identityiq.com on [date]. Can you confirm my cancellation in writing today?"
4. Ask for the name of the representative, the date and time of the call, and any cancellation reference number
5. Follow up with a second email referencing the phone call:
   • "I called on [date] at [time] and spoke with [rep name]. We discussed my cancellation. Please send written confirmation to this email address."
6. Send this follow-up email from your original account email address so they can match it to your file

Myscoreiq pricing and billing timeline

Understanding your billing cycle helps you time your cancellation to avoid unwanted charges.

Plan tier	Monthly price (USD)	Philippine peso equivalent (approx.)	What is included
Basic credit monitoring	₱9.99	₱560	1-bureau credit report, monthly FICO score
Standard monitoring	₱19.99	₱1,120	3-bureau reports, weekly FICO updates, daily alerts
Premium + identity protection	₱34.99	₱1,960	Dark web monitoring, application tracking, full identity protection

Your billing date is fixed when you sign up. If you subscribed on the 15th, you will be charged every 15th unless you cancel. The company does not offer prorated refunds for partial months, so cancelling on day 25 of a 30-day cycle means you lose the unused days.

What happens after you cancel myscoreiq

The first week after cancellation is critical because the system needs time to process your request and remove your active subscription status.

Immediate steps after requesting cancellation

Once you have submitted a cancellation request by website, email, or phone, your next move is to monitor your billing. Do not assume silence means success.

• Check your email daily for a cancellation confirmation from Myscoreiq
• Log into your Myscoreiq account daily and verify that your plan still shows as "active" or now shows as "cancelled"
• Watch your next scheduled billing date closely on your bank statement or credit card app
• If the next charge appears, take a screenshot and email Stopee's cancellation tracking team with the image

If you are charged again after cancelling

Sometimes the system delays or your cancellation gets lost. If a charge appears after your cancellation request, act immediately.

1. Do not wait. Email customerservice@identityiq.com again within 24 hours of the unwanted charge
2. Include:
   • Your cancellation request date (from your original email or phone call)
   • A screenshot of the new charge on your bank or credit card statement
   • A clear request: "I cancelled my subscription on [date]. You have charged me again on [date]. I request an immediate refund."
3. Contact your bank or card issuer and dispute the charge as "subscription cancelled" or "unauthorized"
4. File a chargeback if Myscoreiq does not refund you within 10 business days

Refunds and billing disputes after cancellation

Myscoreiq does not publicly state a refund policy, which already puts you at a disadvantage. However, the Consumer Act of the Philippines requires that unauthorized charges be reversed.

When you qualify for a refund

You can request a refund in these situations:

• You were charged after submitting a valid cancellation request
• You were charged for a plan you did not authorize or approve
• You were charged in a currency or amount different from what was disclosed
• The service was not provided or was unavailable during your billing period

Myscoreiq must refund you within 30 days of your request. The Consumer Act does not allow companies to delay or deny refunds for unauthorized charges.

How to request a refund

1. Email customerservice@identityiq.com with the subject: "Refund Request - [Your Name] - Unauthorized Charge on [Date]"
2. Attach a screenshot of the charge from your bank statement or credit card app
3. Include the date you cancelled and the date you were charged
4. State the refund amount and your preferred refund method (back to original card)
5. Set a deadline: "I expect a response and confirmation of refund processing within 10 business days"
6. Send the email from your account email address and save a copy for your records
Pro tip: If Myscoreiq does not refund you within 30 days, file a complaint with the Department of Trade and Industry (DTI). Stopee has guided countless customers through this process, and the DTI takes refund denials seriously.

Common mistakes that delay or prevent cancellation

Cancellation frustration is real, and small mistakes can cost you weeks and unwanted charges. Here is what to avoid.

Mistake 1: assuming you are cancelled without confirmation

A confirmation email is not automatic. Many users click "cancel" on the website, see no error, and assume they are done. Three weeks later, they find a surprise charge. Do not leave this to chance. Always wait for a written confirmation email or call support to verify.

Mistake 2: cancelling too close to your billing date

If your next charge is tomorrow and you cancel today, the system may not process your request in time. You will be charged, and then you will need to pursue a refund. Cancel at least 5 days early to give the company processing time.

Mistake 3: cancelling through the wrong channel

If you signed up through Apple, Google Play, or your mobile carrier, you must cancel there, not on the Myscoreiq website. Check your bank statement to see who the actual merchant is (the name next to the charge). If it says "Apple" or "Google," you need to go to those platforms to cancel.

Mistake 4: not documenting your cancellation request

Screenshots and saved emails are your legal shield. Without them, you have no proof you cancelled, and the company can claim ignorance. Stopee strongly recommends taking screenshots at every step and storing them in a folder on your computer.

Mistake 5: ignoring a charge and hoping it goes away

Do not ignore an unwanted charge. The longer you wait, the harder it becomes to dispute. The Consumer Act gives you time to act, but do not waste it. Dispute immediately with your bank or file a DTI complaint within 30 days of the unauthorized charge.

Your cancellation checklist

Use this checklist to track your cancellation and protect yourself against surprise charges.

• [ ] Take screenshots of your current plan, price, and next billing date
• [ ] Save your most recent billing receipt or bank statement showing the Myscoreiq charge
• [ ] Determine the actual merchant name (Myscoreiq, Apple, Google, or other)
• [ ] Attempt cancellation through the Myscoreiq website account menu
• [ ] If that fails, send a cancellation email to customerservice@identityiq.com
• [ ] If no reply within 5 days, call (800) 637-5590 and document the representative's name and reference number
• [ ] Wait 2 to 3 business days for confirmation email to arrive
• [ ] Screenshot the confirmation email and save it to your computer
• [ ] Monitor your next billing date on your bank statement or app
• [ ] If a charge appears after cancellation, dispute it immediately with your bank
• [ ] Keep all emails, screenshots, and call notes for 90 days after cancellation

Platform-specific cancellation routes

If you subscribed through a platform other than the Myscoreiq website, you must cancel there, not on Myscoreiq itself.

Subscription platform	How to cancel	Timeline for processing
Myscoreiq website (direct)	Log in, find Subscription or Billing menu, click Cancel	2-3 business days
Apple App Store or iTunes	Settings > [Your Name] > Subscriptions > Myscoreiq > Cancel Subscription	Immediate; refund in 3-5 days
Google Play Store	Play Store app > Menu > Subscriptions > Myscoreiq > Cancel	Immediate; refund in 3-5 days
Amazon Prime Video Channels	Prime Video app > Account > Memberships > Manage > Myscoreiq > Cancel	Immediate; refund in 3-5 days

Check your bank statement carefully. If the merchant name is not "Myscoreiq," you are paying through a third-party platform. Cancelling on the Myscoreiq website alone will not stop these charges.

Contact information for myscoreiq cancellation

Save these details for your cancellation request or escalation.

Contact method	Details	Best for
Email	customerservice@identityiq.com	Primary cancellation request (leaves written proof)
Phone	(800) 637-5590, Monday-Friday, 9 AM-8 PM PST	Follow-up if email is not answered within 5 days
Website	myscoreiq.com/contact-us	View support options; try website cancellation first
DTI complaint (Philippines)	Department of Trade and Industry regional office; dti.gov.ph	If Myscoreiq refuses to refund unauthorized charges

For DTI escalation, contact your regional office. The DTI has offices across the Philippines and accepts complaints about unfair billing and refund denials. You do not need a lawyer, and the service is free.

Why stopee recommends these cancellation steps

Stopee has helped thousands of consumers cancel problematic subscriptions without losing money to surprise charges. The steps above are proven to work because they create a documented trail, they cover all contact channels, and they align with your legal rights under the Consumer Act of the Philippines.

The most important principle is simple: get written confirmation. An email or screenshot is your legal proof. A cancelled screen without a confirmation email is not enough. Do not rush the process, do not trust silence, and do not assume the company will act fairly without documentation. Stopee stands with you at every step, because subscription cancellation should never be a battle.