Manage Creditscore Report Card

How to cancel creditscore report card and stop recurring charges

What is creditscore report card and why you should understand your cancellation rights

Creditscore Report Card is a credit monitoring and identity protection service operated by Real Property Data Corp, based in Oak Park, California. The service offers credit score tracking, monitoring alerts, and identity theft protection features-all marketed with an aggressive trial offer designed to convert you into a paying subscriber.

Most people encounter Creditscore Report Card through a $1 introductory offer that automatically converts to a recurring monthly charge after the trial ends. According to consumer reports and public listings, the recurring monthly fee runs approximately $39.94 per month. The problem? Many customers report that they were not given clear notice about when the trial would end, what the full price would be, or how difficult it would be to cancel.

At Stopee, we help thousands of consumers navigate exactly this situation every month. Understanding how Creditscore Report Card works-and knowing your legal rights before you cancel-puts you in control of your own account and your wallet.

How the trial-to-paid conversion works

Creditscore Report Card operates on a classic dark pattern: attract you with a $1 trial, then charge your payment method automatically when the trial expires. The company does disclose this in their terms and conditions, but consumer complaints suggest the disclosure is buried, unclear, or presented in a way that downplays the recurring charge.

Your card gets charged on a specific date tied to your enrollment, and the charges recur monthly unless you actively cancel before that date. Many customers only discover the charge after it appears on their bank or credit card statement-sometimes weeks or months later.

Real property data corp corporate address

Creditscore Report Card is owned and operated by Real Property Data Corp, located at:

Real Property Data Corp
Attention: Legal and Accounting Department
638 Lindero Canyon Road, Suite 382
Oak Park, CA 91377

You will need this address when you submit a cancellation request by mail or file a complaint with regulators.

Why you might want to cancel creditscore report card

Your reasons for cancelling are valid, and you deserve a straightforward exit. Stopee has documented the most common reasons customers end their subscription.

Billing surprises and unauthorized charges

The single largest complaint from Creditscore Report Card customers is surprise charges. You enroll for the $1 trial, forget about it, and then your card is charged $39.94 without warning. Some customers report being charged multiple times in a single month or finding it nearly impossible to stop the charges even after requesting cancellation.

Lack of promised results or value

Credit monitoring services promise to catch fraud, help you correct errors, and protect your identity. In reality, some customers find that the service delivers minimal value-credit alerts arrive too late, the interface is confusing, or credit repair advice is generic. When you realize you are paying $40 monthly for something you do not use, cancellation makes sense.

Difficulty contacting customer service or confirming cancellation

Multiple consumer reviews describe calling Creditscore Report Card, requesting cancellation, and then continuing to receive charges. Whether the cancellation request was lost, ignored, or never properly logged, the result is the same: frustration and wasted money.

Pricing and subscription plans at creditscore report card

Before you cancel, know exactly what you are paying and what the company claims to offer. Stopee has compiled the pricing details from public sources and customer reports.

Pro tip: Check your credit card or bank statement to see the exact amount you are being charged and the date of each charge. This information will be critical if you need to dispute charges with your bank or file a complaint with your state attorney general.

Your consumer rights and federal protections

You have robust legal protections when you cancel a subscription service in the United States. Stopee wants you to understand these rights so you can enforce them if Creditscore Report Card refuses to honour your cancellation.

The restore online shoppers confidence act (ROSCA)

ROSCA, enforced by the Federal Trade Commission (FTC), requires that companies obtain your express informed consent before charging your payment method for any negative option (recurring) service. This means Creditscore Report Card must clearly and conspicuously disclose:

• The material terms of the offer (price, frequency, cancellation method).
• Your express informed consent (you must affirmatively opt in).
• Simple and easy-to-use cancellation mechanism.
• Confirmation of your cancellation request.

If Creditscore Report Card failed to provide clear disclosure of the trial conversion or made it difficult for you to cancel, you may have violated ROSCA. This is your leverage.

The telemarketing sales rule (TSR)

If you enrolled in Creditscore Report Card by phone or after a telemarketing pitch, the TSR adds additional protections. The company must have obtained your express written or verbal consent and provided clear cancellation instructions.

Your state's consumer protection laws

Most states have their own consumer protection statutes that cover deceptive billing and negative option services. Your state attorney general's office enforces these laws and can take action against companies that repeatedly violate them.

Disputing unauthorized charges through your bank

If you have already been charged and you believe the charge is unauthorized or that you properly cancelled, you have the right to dispute the charge with your bank or credit card company. Most institutions allow you to file a dispute within 60 to 120 days of the charge.

How to cancel creditscore report card: three proven methods

Creditscore Report Card offers three cancellation methods: online, by phone, and by mail. Stopee recommends starting with the method that leaves the clearest paper trail-which is either phone (with notes) or mail (with tracking).

Method 1: cancel online (fastest)

If your account remains active and you can access your login, you may be able to request cancellation through your account dashboard or settings.

1. Log into your Creditscore Report Card account using your email and password.
2. Navigate to Account Settings, Subscription, or Billing (exact wording varies).
3. Look for a Manage Subscription, Cancel Subscription, or similar option.
4. Follow the prompts to confirm your cancellation request.
   • Read the entire cancellation page-do not skip or skim.
   • Note the exact date your account will be closed (usually immediately or at the end of the current billing cycle).
   • Screenshot or print the confirmation page for your records.
5. Check your email within 24 hours for a confirmation message from Creditscore Report Card.
6. Pro tip: If you do not see a confirmation email, do not assume your cancellation went through. Follow up with Method 2 or 3 below.

Method 2: cancel by phone (most direct)

Calling Creditscore Report Card directly allows you to speak with a representative, ask questions, and document the cancellation in real time.

1. Search for the official Creditscore Report Card customer service phone number on their website or your account statement (do not use a number from a third-party site).
2. Call during business hours and be prepared with:
   • Your account email address and the last four digits of the payment method on file.
   • The date you enrolled and any recent charge amounts.
   • A clear statement: "I want to cancel my subscription immediately."
3. Ask the representative to confirm the cancellation date and whether you will receive a refund for any unused portion of the current billing cycle.
4. Request a confirmation number or reference number for this conversation.
5. Take notes during the call, including:
   • The representative's name or ID number.
   • The date and time of the call.
   • The confirmation number provided.
   • Exact words used when confirming your cancellation.
6. Ask the representative to email you a written confirmation within 24 hours and verify the email address.
7. Warning: Some customers report being transferred, placed on hold indefinitely, or told that cancellation is "not available" over the phone. If this happens, remain calm, ask to speak with a supervisor, and escalate to Method 3 (mail).

Method 3: cancel by certified mail (most legally defensible)

Sending a cancellation request by certified mail with return receipt creates an undeniable record that you submitted your cancellation on a specific date. This is the method Stopee recommends if you have experienced billing problems or difficulty reaching customer service.

1. Compose a letter containing:
   • Your full name and email address associated with the account.
   • The last four digits of the payment method on file (or full account number if provided).
   • A clear statement: "I hereby request immediate cancellation of my subscription to Creditscore Report Card, effective [today's date]."
   • A request for a written cancellation confirmation to be sent to you within 7 business days.
   • Your signature at the bottom.
   • The date you signed the letter.
2. Print two copies of the letter-one to send and one to keep in your records.
3. Prepare the envelope addressed to:
   • Creditscore Report Card / Real Property Data Corp
   • Attention: Legal and Accounting Department
   • 638 Lindero Canyon Road, Suite 382
   • Oak Park, CA 91377
4. Take the letter to your local post office and request certified mail with return receipt requested.
5. Pay the additional fee (typically $3 to $7) and retain your receipt and tracking number.
6. File the receipt, tracking number, and a copy of your letter in a secure folder.
7. Check your mailbox for the return receipt within 5 to 10 business days (this confirms the company received your letter).
8. Wait 10 to 14 days for a written cancellation confirmation from the company. If you do not receive one, proceed to the refund and dispute section below.
9. Pro tip: If you need to file a complaint with the FTC or your state attorney general, this certified mail receipt and your dated copy of the cancellation letter will be critical evidence.

What happens after you cancel: timeline and next steps

Cancellation does not happen instantly, and understanding the timeline helps you avoid panic or missed refunds.

Immediate aftermath: the next 24 to 48 hours

After you cancel (by any method), monitor your email closely for a confirmation message. If you cancelled online or by phone, the company should send written confirmation within 24 hours. If 48 hours pass with no email, do not wait-follow up by phone or certified mail.

End of billing cycle: the next 30 days

Your subscription will typically remain active through the end of your current billing cycle. For example, if you were charged on the 15th of each month and you cancel on the 20th, your access may continue through the 14th of the following month. You should lose access immediately after the cancellation date; if you do not, contact customer service to verify.

Checking for unauthorized charges

Watch your credit card or bank account closely for the next 60 days. A legitimate company will stop charging you. If you see additional charges after cancellation, document them and be ready to dispute them with your bank (see refund section below).

Obtaining a refund for charges you did not authorize

Cancellation does not automatically mean you get your money back, but you may be entitled to a refund if you have grounds to dispute the charges.

Requesting a refund from creditscore report card

When you cancel, ask explicitly about a refund for the current or most recent billing cycle. Include this in your cancellation request letter or ask it directly on the phone. The company may offer a prorated refund or deny one outright, depending on their refund policy and the terms you agreed to.

If they refuse, move to the next step.

Disputing charges with your bank or credit card company

You have the right to file a chargeback or dispute with your financial institution. This process typically works as follows:

1. Log into your bank or credit card online account or call customer service.
2. Locate the transaction(s) you want to dispute (the charges from Creditscore Report Card).
3. Select "Dispute" or "Report Unauthorized Transaction" (exact wording varies by institution).
4. Choose a reason code that applies:
   • "Unauthorized charge" (if you did not authorize the charge or the company failed to get consent).
   • "Merchant error" or "Duplicate billing" (if you were charged multiple times or after cancellation).
   • "Not as described" (if the service did not match the advertised features).
5. Provide a written explanation of why you are disputing the charge. Attach evidence:
   • Your cancellation confirmation email or letter.
   • Your certified mail receipt proving you submitted a cancellation request.
   • Screenshots of charges on your statement.
   • Notes from phone calls (with dates and representative names).
   • Any marketing materials that promised a "free trial" without disclosing conversion details.
6. Submit the dispute and keep a copy of the submission confirmation.
7. Your bank will investigate (typically within 30 to 60 days) and either credit your account or deny the dispute.
8. Pro tip: If your bank denies the dispute, you can escalate to your state's banking regulator or the Consumer Financial Protection Bureau (CFPB).

Filing a complaint with regulators if creditscore report card refuses to cooperate

If the company ignores your cancellation request, continues to charge you, or refuses to honour your refund request, you have the right to file formal complaints with government agencies.

File a complaint with the federal trade commission (FTC)

The FTC enforces ROSCA and other consumer protection laws. You can file a free complaint at reportfraud.ftc.gov or call 1-877-438-4338.

Include in your complaint:

• Your name, email, and phone number.
• The company name (Creditscore Report Card / Real Property Data Corp).
• The amount you were charged and the date(s).
• A detailed summary of what happened (trial offer, automatic conversion, difficulty cancelling, unauthorized charges).
• Copies of all evidence (confirmation emails, bank statements, cancellation letters, etc.).

Contact your state attorney general

Your state's attorney general office handles consumer protection complaints specific to your state. Search online for "[Your State] Attorney General Consumer Complaints" or visit your state's official website.

Provide the same information you sent to the FTC, plus your state of residence.

File a complaint with the consumer financial protection bureau (CFPB)

If the dispute involves credit or banking practices, you can file a complaint with the CFPB at consumerfinance.gov. This is especially useful if your bank refuses to process your chargeback.

Common mistakes to avoid when cancelling creditscore report card

Cancelling a subscription can feel frustrating, especially if you have already been wrongly charged. Stopee has documented the pitfalls that trap customers and cost them money or delay their cancellation.

Mistake 1: assuming one cancellation attempt is enough

Many customers submit a cancellation request once-online, by phone, or by email-and assume they are done. When they see another charge on their statement a month later, they are shocked.

Reality: Always verify your cancellation through a secondary method. If you cancelled online, follow up with a phone call. If you called, request written confirmation. If you mailed a letter, keep the certified mail receipt and wait for a response.

Mistake 2: cancelling without documenting the interaction

Taking notes, saving confirmation numbers, and keeping screenshots takes two extra minutes but protects you completely. Without documentation, the company can claim you never cancelled or that the request was lost.

Mistake 3: waiting too long to dispute charges

Most banks and credit card companies require you to report unauthorized or disputed charges within 60 to 120 days. If you wait a year to dispute a charge, you will likely lose the ability to fight it.

Mistake 4: not checking your statement after cancellation

Cancel, then immediately set a calendar reminder to check your account in 30, 60, and 90 days. If you see a charge from Creditscore Report Card after your confirmed cancellation date, you have grounds for a dispute.

Mistake 5: ignoring communication from the company after cancellation

If the company sends you an email challenging your cancellation or refund request, respond promptly and in writing. These exchanges are evidence of your good-faith effort to resolve the issue.

Checklist: ensuring your cancellation is complete

Use this checklist to confirm that Creditscore Report Card has genuinely cancelled your subscription and stopped all charges.

Conclusion: you are in control

Creditscore Report Card is designed to convert you into a recurring subscriber and keep collecting money from your card every month until you actively stop it. The process is intentionally opaque, and the company counts on customer inertia to maintain your subscription.

You have legal rights, you have leverage, and you have multiple cancellation methods. At Stopee, we have helped thousands of consumers cancel unwanted subscriptions, recover unauthorized charges, and hold companies accountable for deceptive billing practices. You deserve the same clarity and control over your own money that Stopee has fought to secure for every customer.

Start with your preferred cancellation method today. Document everything. Monitor your statement. If the company resists, file a dispute with your bank and a complaint with the FTC. Stopee is here to remind you that cancellation is your right, not a privilege the company grants you.

Contact information for cancellation by mail:

Creditscore Report Card
Real Property Data Corp
Attention: Legal and Accounting Department
638 Lindero Canyon Road, Suite 382
Oak Park, CA 91377