Manage Yourscoreandmore

How to cancel yourscoreandmore and avoid unwanted charges in the philippines

Understanding yourscoreandmore and why you might want to cancel

Yourscoreandmore is a credit monitoring subscription service operated by Nations Info Corp that promises credit score tracking, detailed financial reports, and tools to help improve your credit standing. If you signed up during a trial period and now face recurring monthly charges, you are not alone in wanting to exit.

What yourscoreandmore actually charges you

The service hooks users with a low-cost trial, then switches to automatic billing without requiring active renewal. Your initial 7-day trial costs $1.00 (₱57), but once that ends, your account rolls into a paid monthly membership at $39.94 (₱2,257) per month unless you cancel first. Longer-term plans exist at $99.00 (₱5,594) for six months and $179.00 (₱10,114) per year, making this one of the pricier credit monitoring options on the market.

The critical detail: Yourscoreandmore bills in US dollars, not Philippine pesos. Your bank or payment provider may apply foreign transaction fees on top of the membership cost. For many Filipinos, that means you end up paying more than the advertised price.

Why filipino users face extra friction when cancelling

Yourscoreandmore operates on Pacific Time, not Philippine Time. Customer support runs Monday to Friday, 5 AM to 6 PM PT, and Saturday to Sunday, 7 AM to 3:30 PM PT. If you try to cancel within hours of your next billing date and support is offline, you risk another charge hitting your account. There is also no self-service cancellation button in your account dashboard, which means you must contact support directly every single time.

Stopee understands how frustrating this feels when you are trying to cancel before a deadline. That time zone gap is real, and the lack of a direct "cancel now" button is by design.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) protects you when dealing with subscription services, including Yourscoreandmore. You have the right to cancel without penalty, and the company must honor that cancellation within a reasonable timeframe.

What the consumer act says about subscriptions

Under the Consumer Act, any merchant offering a subscription or continuous service contract must disclose all material terms clearly, including the automatic renewal clause, the amount you will be charged, and the exact cancellation procedure. If Yourscoreandmore fails to make its auto-renewal terms obvious before you enter the trial, you have grounds to dispute the charge with your bank or request a refund.

Additionally, Section 115 of the Consumer Act states that a merchant cannot charge your account without your explicit prior consent for each transaction. If Yourscoreandmore rolled you into a paid plan without clear confirmation, you may qualify for a chargeback or a refund under this provision.

How to escalate if the company refuses to help

If Yourscoreandmore ignores your cancellation request or refuses to refund charges you believe are unlawful, you can file a complaint with the Department of Trade and Industry (DTI) Consumer Protection Group. The DTI handles subscription disputes and can compel the company to refund you. Keep all email correspondence, screenshots of your account, and payment records for evidence.

Stopee recommends documenting every step of your cancellation attempt so you have proof if you need to escalate to the DTI.

Methods to cancel yourscoreandmore

You have three official pathways to cancel Yourscoreandmore, though none are instant or automatic.

Contact form submission (most documented route)

The primary cancellation method is to submit a request through the Yourscoreandmore contact form. This leaves a digital trail that you can reference if a charge appears after your cancellation date.

1. Open your web browser and navigate to the Yourscoreandmore contact page at secure.yourscoreandmore.com/contact-us.html
2. Fill in your full name exactly as it appears on your account
3. Enter your registered email address
4. In the message field, write: "I request immediate cancellation of my Yourscoreandmore membership effective today. Please confirm cancellation and the date it takes effect."
5. Include the last four digits of the card on file (for account verification)
6. Click Submit and note the date and time you sent the request
7. Save a screenshot of the confirmation page if one appears

Pro tip: Send this request at least five business days before your next scheduled billing date. Pacific Time billing cycles run faster than you might expect, and the contact form does not guarantee next-day processing.

Email cancellation request

You can email your cancellation request directly to the support email address listed on the Yourscoreandmore website. Email creates a timestamped record and is more formal than a contact form.

1. Locate the official Yourscoreandmore support email address from the contact page
2. Open your email client and compose a new message
3. Subject line: "Cancellation Request - [Your Full Name]"
4. In the body, include your account email, full name, and the exact request: "I am requesting cancellation of my Yourscoreandmore account effective immediately. Please confirm the cancellation date in your reply."
5. Add the last four digits of your payment method for verification
6. Send from the email address registered with Yourscoreandmore
7. Keep the email in a dedicated folder for your records

Warning: Do not assume silence means approval. If support does not reply within three business days, send a follow-up email and reference your original request date.

Phone cancellation (fastest option during business hours)

If you can coordinate your schedule with Pacific Time business hours, calling support may yield the fastest cancellation confirmation.

1. Check the current time in Pacific Time before dialing (use a timezone converter online)
2. Call the Yourscoreandmore customer service number listed on your account or billing statement
3. Have your account email, full name, and the last four digits of your card ready
4. State your request clearly: "I want to cancel my membership immediately."
5. Ask the representative to provide a cancellation confirmation number and the exact effective date
6. Request that they email you a written confirmation immediately after the call
7. Do not hang up until you have the confirmation number in writing or forwarded to your email

Stopee strongly recommends following a phone call with a confirmation email to support summarizing what was discussed and agreed to during the call.

Step-by-step cancellation process for the fastest outcome

Here is exactly how to cancel Yourscoreandmore to avoid missed deadlines and surprise charges.

Preparation phase (do this first)

1. Log into your Yourscoreandmore account at secure.yourscoreandmore.com
2. Navigate to your account settings or subscription page
3. Take a full-page screenshot showing your current plan, membership level, and next billing date
4. Note the exact date your next payment is scheduled (this is your deadline)
5. Open a new document and record today's date and time
6. Write down the billing date, your account email, and the last four digits of your payment method
7. Screenshot your billing history showing all charges to date

Pro tip: Calculate when your cancellation request must arrive. If your billing date is 15 days away and support is slow, send your cancellation request today, not tomorrow.

Submission phase (pick one method)

1. Choose your preferred cancellation method from the three options above (contact form, email, or phone)
2. If using the contact form or email, include this exact phrase: "Effective cancellation date: [today's date]. Please do not process any further charges to my account after this date."
3. Submit your request and immediately save proof of submission
   • Contact form: screenshot the confirmation message
   • Email: note the timestamp in your sent folder
   • Phone: save the confirmation email that should follow
4. Set a reminder on your phone for three business days later to follow up if you have not heard back

Monitoring phase (protect your account)

1. Check your email inbox and spam folder daily for a cancellation confirmation from Yourscoreandmore
2. If you receive a confirmation, take a screenshot and save it permanently
3. Watch your bank or payment app for any charges after your stated cancellation date
4. If a charge appears after you cancelled, document the date and amount immediately
5. Check your account online to confirm that cancellation shows as active (some accounts may still display a status like "cancellation pending")

Stopee emphasizes that you should treat the monitoring period as crucial because billing errors do happen, and you need proof that you cancelled in time.

Refund rights if you are charged after cancelling

You may qualify for a refund if Yourscoreandmore processes a payment after your cancellation date or if the company failed to disclose its auto-renewal terms clearly.

How to request a refund from yourscoreandmore directly

1. Send a follow-up email to Yourscoreandmore support with the subject: "Refund Request for Unauthorized Charge"
2. Reference your original cancellation request with its date
3. State the charge date, amount, and explain that this charge occurred after your cancellation
4. Request a full refund to your original payment method
5. Attach screenshots of your cancellation confirmation and the unauthorized charge
6. Send the email from the address on your account and keep a copy for yourself
7. Allow five business days for a response

Warning: Yourscoreandmore may deny the refund if it claims the cancellation did not process in time. This is where your documentation becomes critical.

Chargeback through your bank or payment provider

If Yourscoreandmore refuses a refund or ignores your request, you can dispute the charge with your bank, GCash, Maya, or other payment provider using their chargeback or dispute process.

1. Contact your bank or payment service and ask for their chargeback procedure
2. Explain that you cancelled the subscription but were charged anyway
3. Submit your cancellation confirmation, the unauthorized charge, and your timeline as evidence
4. Your bank will initiate an investigation and typically freezes the disputed amount
5. Yourscoreandmore will have 10 to 30 days to respond to the chargeback
6. If your bank sides with you, the charge will be reversed and returned to your account

Under the Consumer Act of the Philippines, you have the right to demand refunds for charges you did not authorize or that violated the company's own cancellation terms.

Pricing and membership options at a glance

Understanding Yourscoreandmore pricing helps you decide whether the service is worth keeping or cancelling.

All pricing is in US dollars, so peso amounts may fluctuate with exchange rates. Foreign transaction fees from your bank may add an extra 2% to 3% to each charge.

Common cancellation mistakes that cost you money

It is easy to cancel the wrong way and still face charges months later. Here are the traps that catch most users.

Mistake 1: assuming a single message is enough

Many people send one email and assume they are done. Yourscoreandmore does not always send automatic confirmations, so silence does not mean success. Always expect to follow up if you do not hear back within three business days.

Mistake 2: cancelling during a time zone mismatch

If you send your cancellation request on Friday at 8 PM Philippine Time, that is only 3 AM Pacific Time on Friday morning. Support may not process it until the following Monday, by which time your billing date has passed. Time your request for early morning Philippine Time to catch the Pacific timezone business day.

Mistake 3: not recording your billing date

If you do not know when your next charge is scheduled, you cannot calculate how urgent your cancellation request is. Always screenshot your account before cancelling so you have proof of the billing date.

Mistake 4: cancelling only through the contact form and no other method

Contact forms disappear from servers, and there is no guarantee they are processed in order. Email or phone provide a documented trail. Use the contact form only if you also follow up by email.

Mistake 5: not keeping proof of your cancellation request

If you delete your email or forget to screenshot the confirmation, you have no way to prove you cancelled on time if a charge appears. Always save everything.

Pro tip: Create a folder on your computer or phone labeled "Yourscoreandmore Cancellation" and drop every screenshot, email, and confirmation into it immediately.

What happens after your cancellation takes effect

Cancellation is not instant, and several things may still occur after you request it.

Access and account status during the cancellation window

Your account may remain active for a few days or weeks even after you cancel, depending on how Yourscoreandmore processes the request. You might still be able to log in and view your credit information during this time. This is normal and does not mean your cancellation failed.

Confirming your cancellation was successful

A successful cancellation means your account shows "cancelled" or "inactive" status in the Yourscoreandmore system, and no new charges appear on your billing statement after your cancellation date. Log back into your account one week after requesting cancellation to verify the status has changed. If it still shows "active," contact support immediately.

Stopping recurring charges permanently

Once Yourscoreandmore confirms your cancellation in writing, no further charges should appear. If a charge does appear 30 days or more after your cancellation date, contact your bank to file a dispute. At that point, the burden shifts to Yourscoreandmore to prove they had authorization to charge you.

Stopee recommends checking your bank statement for the next 60 days after cancellation, even if everything appears correct. Delayed charges sometimes surface weeks later.

Comparison: yourscoreandmore vs. free alternatives

Before you cancel, ask yourself whether Yourscoreandmore is worth ₱2,257 per month when free options exist.

If you only joined Yourscoreandmore for the 7-day trial, cancelling makes financial sense. The paid tier does not offer features that free alternatives lack significantly enough to justify the cost.

Your cancellation checklist

Use this list to ensure you do not miss any step.

1. Screenshot your current account page showing membership level and billing date
2. Note your account email and last four card digits
3. Choose your cancellation method: contact form, email, or phone
4. Submit your cancellation request with a clear effective date
5. Save proof of your submission (screenshot, email timestamp, or confirmation number)
6. Set a three-day follow-up reminder in your calendar
7. Check your email (including spam) for a cancellation confirmation
8. Watch your bank or payment app for any charges after your stated cancellation date
9. Log back into Yourscoreandmore one week later to verify "cancelled" status
10. If a charge appears after the cancellation date, contact your bank within 60 days to dispute it
11. If Yourscoreandmore refuses a refund, file a complaint with the DTI
12. Keep all documentation for one year

Contact information and escalation address

If Yourscoreandmore does not respond to your cancellation request or refuses to refund unauthorized charges, you can escalate the matter to the company directly or to consumer authorities.

Yourscoreandmore support channels

Contact form: secure.yourscoreandmore.com/contact-us.html

Support hours: Monday to Friday, 5 AM to 6 PM Pacific Time; Saturday to Sunday, 7 AM to 3:30 PM Pacific Time

Company address on file: Nations Info Corp, Thousand Oaks, California, United States

Filing a complaint with the department of trade and industry

If the company ignores your cancellation request or refuses a refund, file a complaint with the DTI Consumer Protection Group.

DTI Contact Center: 1-386 (available during business hours)

Visit the DTI website at dti.gov.ph to file an online complaint with full documentation of your cancellation request and any unauthorized charges.

Pro tip: Bring screenshots of all your communications, bank statements showing the charges, and your cancellation request when you file a DTI complaint. The DTI takes subscription disputes seriously and can compel Yourscoreandmore to refund you.

Final thoughts: cancel with confidence

Cancelling Yourscoreandmore does not have to be stressful or confusing. You have legal rights under the Consumer Act of the Philippines, clear cancellation pathways, and backup options if the company refuses to cooperate. The key is documenting every step and following up immediately if you do not receive confirmation.

Stopee has helped thousands of consumers cancel subscription services safely and recover unauthorized charges. By following this guide, you join them in taking control of your finances and refusing to pay for services you no longer want. Send your cancellation request today, keep your proof, monitor your account, and escalate to your bank or the DTI if needed. You have the power here, and Stopee is on your side.