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Cancel Yourscoreandmore: The Right Way
How to cancel yourscoreandmore and reclaim control of your credit profile
What yourscoreandmore is and who should cancel
Yourscoreandmore is a subscription-based credit-monitoring and identity-protection service that delivers credit reports, real-time score updates, daily monitoring alerts, identity-theft insurance, and educational resources to help you manage your financial profile. The service operates on a recurring membership model and bills primarily in USD, which means you may face currency fluctuations if you're paying from a Singapore bank account.
You might have signed up for Yourscoreandmore hoping to keep a close eye on your credit health, but if you've discovered you don't need ongoing monitoring, prefer a free alternative, or want to reduce your subscriptions, cancelling is straightforward once you know the right steps. At Stopee, we've guided thousands of Singapore consumers through similar cancellations, and we understand the frustration of hidden fees and unclear processes.
Who typically cancels yourscoreandmore
You might cancel if you've resolved your credit concerns, found a cheaper competitor, discovered duplicate monitoring services, or simply want to reduce monthly expenses. The 7-dollar trial converts to a $39.94 monthly membership, and many people forget to cancel before the trial ends, triggering unexpected charges. If you're in this situation, you're not alone, and Stopee is here to help you stop those charges immediately.
Why you should act now
Every day you delay costs you approximately $1.33 in daily charges. If your card is being charged and you're uncertain whether you actually need the service, cancelling immediately protects your cash flow while you decide whether to re-subscribe later. Stopee recommends acting within 24 hours of deciding to cancel.
Your consumer rights under singapore law
Singapore's Consumer Protection (Fair Trading) Act gives you clear rights when dealing with subscription services, and understanding these protections empowers you to demand fair treatment.
What the consumer protection (Fair trading) act covers
Under Singapore law, you have the right to accurate information about charges, transparent cancellation processes, and protection against unfair contract terms. If Yourscoreandmore charges you after you've submitted a valid cancellation request, or if they refuse to cancel without legitimate reason, you can escalate the matter to the Consumers Association of Singapore (CASE) or your payment card issuer. Stopee always recommends requesting written confirmation of your cancellation to establish a clear record of your intent.
How to use your rights as leverage
Keep every email, screenshot, and confirmation number from your cancellation attempt. If Yourscoreandmore charges you after you've requested cancellation, contact your credit card issuer and report the unauthorized charge. Mention the Consumer Protection (Fair Trading) Act when you escalate - many companies respond immediately when they know you understand your rights. Stopee has seen companies reverse charges within 48 hours once consumers reference consumer protection law.
Pricing and billing structure
Yourscoreandmore operates on a simple two-tier model, but the currency and exchange-rate implications matter for Singapore customers.
Current pricing in USD
| Plan | Price (USD) | Billing cycle | What you get |
|---|---|---|---|
| 7-day trial | $1.00 | One-time charge | Full access for 7 days, then converts to monthly unless cancelled |
| Monthly Membership | $39.94 | Every 30 days | Credit score, reports, identity monitoring, insurance, daily alerts |
Currency, exchange rates, and hidden costs
Yourscoreandmore bills exclusively in USD, meaning your Singapore credit card will convert SGD to USD at your card issuer's rate. A $39.94 USD charge typically costs between SGD 53-56 depending on the day's exchange rate. Additionally, your bank may apply a foreign-transaction fee of 1-3%, adding another SGD 0.50-1.50 per charge. Stopee recommends checking your card issuer's exchange rate before you cancel, so you can dispute any overcharge. If you've been paying for several months, calculate your total spend and determine whether a refund claim is worth pursuing.
Methods to cancel yourscoreandmore
Yourscoreandmore offers three primary cancellation channels, and each has distinct advantages and risks - choose the method that creates the strongest proof of cancellation.
Email cancellation (recommended for records)
Email is your best option because it creates an auditable, timestamped record. Send your cancellation request to support@YourScoreAndMore.com and include your full account details, order number, and the email address linked to your account. Explicitly state: "I wish to cancel my recurring membership immediately and request written confirmation that no further charges will be applied." Follow this method step-by-step in the next section.
Online contact form (secondary option)
Visit the official Yourscoreandmore website and use their contact or support form to submit a cancellation request. This method works, but response times vary, and you may not receive immediate confirmation. If you choose this route, photograph or screenshot the submission confirmation, then follow up with email confirmation as well. Stopee recommends treating the online form as a first step, not your only step.
Phone cancellation (use only if email fails)
You can call customer support at one of the listed numbers (contact details vary by region), but phone cancellation carries higher risk because there's no automatic written record. If you do call, request that they email you a cancellation confirmation immediately after the call. Many consumers report that phone agents accept cancellations but fail to process them, so never rely on phone alone.
Step-by-step guide to cancel yourscoreandmore
Follow this exact process to ensure your cancellation is processed and documented.
- Gather your account information before contacting support.
- Locate your order number (check your confirmation email or account dashboard)
- Write down the email address registered to the account
- Note the last four digits of the card on file
- Have your billing name ready
- Compose a cancellation email and send it to support@YourScoreAndMore.com.
- Use the subject line: "Cancellation request for account [your email address]"
- State clearly: "I am writing to request immediate cancellation of my recurring membership effective immediately. Please confirm that no further charges will be applied."
- Include your order number and the last four digits of your payment card
- Save a draft copy in your records before sending
- Wait for a response confirming cancellation.
- Typical timeframe: 3-7 business days, though some users report delays
- If you don't receive confirmation within 7 days, send a follow-up email
- Do not assume silence means cancellation - always demand written confirmation
- If email support does not respond within 10 business days, escalate.
- Try the online contact form on the Yourscoreandmore website
- If that fails, contact your credit card issuer and report the subscription as disputed if you intend to stop charges
- Reference the Consumer Protection (Fair Trading) Act when escalating - Stopee has found this language accelerates responses
- Verify cancellation by checking your next billing cycle.
- Mark your calendar for 2-3 days before your next billing date
- Log into your account (if still accessible) or check your credit card statement
- If a charge appears after your cancellation request, contact your card issuer immediately
- Keep all documentation for at least 6 months.
- Screenshot your cancellation email, the timestamp, and the support response
- Save any confirmation emails in a folder titled "Yourscoreandmore cancellation"
- These records are essential if you need to dispute charges with your card issuer
What happens after you cancel yourscoreandmore
Cancellation ends recurring charges, but access to your account and data handling depend on Yourscoreandmore's terms, and understanding these details prevents confusion or surprises.
Immediate changes after cancellation
Once Yourscoreandmore processes your cancellation, recurring billing stops immediately - no further monthly charges will appear on your statement. However, your access to member features may continue until the end of your current paid billing period. For example, if you cancel on the 15th of the month but your billing cycle runs through the 30th, you'll retain access until the 30th, then lose access. Stopee recommends checking your account settings after receiving cancellation confirmation to confirm your access window.
Account closure and data retention
Yourscoreandmore's terms explain how they handle your data after cancellation, but the company does not automatically delete your account. Request clarification about data retention when you cancel - specifically ask whether they will delete your personal and financial information or retain it for archival purposes. If data privacy is a concern, follow up with a second email explicitly requesting account deletion. Keep copies of all requests and responses.
Will you receive a refund?
Refunds from Yourscoreandmore are discretionary, not automatic, and they require formal application - but you have leverage under Singapore consumer law.
Yourscoreandmore's stated refund policy
According to the service's terms, subscription fees are generally non-refundable. This means the company does not guarantee refunds for membership charges you've already paid. However, "non-refundable" is not absolute in Singapore law - legitimate exceptions exist, and you can challenge this policy if your circumstances qualify.
Exceptions that entitle you to a refund
You may have grounds for a refund if you fall into one of these categories:
- Duplicate charges: If you were charged twice for a single billing cycle, Yourscoreandmore must refund the duplicate
- Unauthorized billing: If someone other than you authorized the subscription, your card issuer can reverse the charge
- Service failure: If Yourscoreandmore failed to provide promised features (credit monitoring did not work, alerts never arrived), you may claim a partial refund
- Billing after cancellation: If you cancelled but were charged again, that charge must be reversed
- Trial period mismanagement: If the trial converted without clear warning or consent, Singapore consumer law may require a refund
How to apply for a refund
Yourscoreandmore requires you to complete a formal refund request form and submit supporting documentation. Follow this process:
- Request the refund form from support@YourScoreAndMore.com, stating your reason explicitly ("Duplicate charge," "Service never worked," "Charged after cancellation," etc.)
- Complete the form with your order details, account information, and a detailed explanation of why you deserve a refund
- Attach copies of your billing statements showing the disputed charges
- Attach screenshots of any cancellation request, confirmation emails, or account screenshots that support your claim
- Submit the completed form to the Legal and Accounting Department as instructed by Yourscoreandmore
- Keep a copy of everything you submit
- Wait 10-14 business days for a response
If yourscoreandmore refuses your refund
Warning: The company may deny your refund even if you have legitimate grounds. If this happens, escalate to the Consumers Association of Singapore (CASE) and provide them with your cancellation email, billing statements, and refund application. CASE can mediate disputes and pressure Yourscoreandmore to reconsider. Stopee has seen companies reverse refund decisions under CASE review. Additionally, contact your credit card issuer and dispute the charge as "service not provided" or "billing error" - many issuers will reverse charges on your behalf.
Common mistakes that delay cancellation
Cancellation delays are frustrating, especially when you've made a clear decision to stop the service. Here are the traps that trap most consumers and how to avoid them.
Assuming your cancellation is processed without confirmation
The most common mistake is contacting Yourscoreandmore, receiving no immediate response, and assuming the cancellation went through. Then, weeks later, a charge appears on your statement. Always demand written confirmation via email - silence does not equal cancellation. Stopee recommends treating absence of confirmation as a failed cancellation and immediately escalating to your card issuer.
Cancelling via only one method and hoping for the best
Phone calls, online forms, and single emails create weak evidence. If you cancel by phone and receive no email confirmation, you have no proof of your request. Use multiple methods: email first, follow up with the online form, and escalate to your card issuer if either method fails. Redundancy protects you.
Failing to monitor your next billing cycle
After cancellation, set a phone reminder for 2-3 days before your next scheduled billing date. Check your credit card statement and your Yourscoreandmore account (if still accessible) to confirm no charge appeared. If a charge did appear, dispute it immediately with your card issuer - delays in reporting give the company time to claim the charge is legitimate.
Not keeping screenshots and copies
If a dispute arises, you need visual proof of your cancellation request and any confirmation. Screenshot emails, save PDFs of web forms, and photograph confirmation messages. These records are your evidence in a dispute with your card issuer or CASE. Stopee has seen consumers lose refund disputes because they couldn't prove they'd actually cancelled.
Yourscoreandmore cancellation checklist
Use this checklist to ensure you've covered every step and created an airtight cancellation record.
| Step | Completed? | Notes |
|---|---|---|
| Gathered order number, email, and last 4 card digits | Check your confirmation email or account dashboard | |
| Sent cancellation email to support@YourScoreAndMore.com | Save a copy of your sent email with timestamp | |
| Received written confirmation of cancellation | Screenshot and save the response email | |
| Checked account to confirm access ended or will end | Verify your end-of-access date | |
| Monitored next billing cycle for unexpected charge | Set a reminder 2-3 days before billing date | |
| Created folder with all cancellation documentation | Keep for 6 months minimum |
Contact information and escalation address
Use this contact information for cancellation requests, refund inquiries, and escalation if the company does not respond within 7 business days.
Primary cancellation contact
Email: support@YourScoreAndMore.com
What to include in your message: order number, full account email, last four digits of payment card, and explicit cancellation request with request for written confirmation.
Alternative escalation contact
If email support does not respond within 10 business days, use the online contact form on the official Yourscoreandmore website and reference your earlier email cancellation request. Additionally, if you believe you have refund grounds, contact the Legal and Accounting Department directly and reference your formal refund application.
Singapore consumer escalation
If Yourscoreandmore refuses to cancel or denies a legitimate refund claim, file a complaint with the Consumers Association of Singapore (CASE) at case.org.sg or call them for guidance. Provide CASE with your cancellation email, confirmation responses (or lack thereof), billing statements, and refund application materials. Stopee recommends involving CASE early if the company shows signs of resistance.
Card issuer dispute process
Contact your credit card issuer (DBS, OCBC, UOB, Maybank Singapore, or your chosen bank) and report the Yourscoreandmore subscription as a disputed charge. Provide your cancellation email and any company responses. Most issuers will freeze or reverse the charge while they investigate, giving you immediate relief while the dispute is resolved.
Summary and next steps
Cancelling Yourscoreandmore is straightforward when you follow this guide and use email as your primary cancellation method. You now understand your consumer rights, the refund landscape, and the escalation path if the company resists. Act immediately by sending your cancellation email today, monitor your next billing cycle, and keep all documentation for your records.
Stopee has helped thousands of consumers cancel unwanted subscriptions and recover wrongful charges. If you encounter resistance from Yourscoreandmore or need additional guidance, Stopee's cancellation resources and consumer law guides are here to empower you. Your financial control matters - cancel today, verify tomorrow, and dispute confidently if charges appear.