Manage YourScoreAndMore

How to cancel YourScoreAndMore and reclaim your money

What is YourScoreAndMore and why customers cancel

YourScoreAndMore is a credit monitoring service based in Thousand Oaks, California that attracts customers with a $1 trial offer before converting to recurring monthly charges. The service bundles credit score access, credit report monitoring, and identity protection features into a subscription model designed to keep you paying month after month. Many customers sign up for the low-cost trial expecting to cancel before charges kick in, only to discover that the cancellation process is frustratingly difficult or that unexpected charges continue even after they attempt to stop the service.

The service model and pricing structure

You begin with a heavily discounted trial period at $1, which creates a false sense of affordability. After your trial expires, YourScoreAndMore charges you $39.94 every month unless you actively cancel. The company markets this as a seamless upgrade, but the conversion from trial to paid membership often catches customers off guard. Many people assume the trial simply expires; instead, your payment method is charged automatically, and the burden falls entirely on you to stop the recurring billing.

Competitive alternatives to consider

Before you sign up for YourScoreAndMore, you should know that multiple free and low-cost credit monitoring services exist. Comparing your options helps you make an informed choice and potentially avoid a service that doesn't align with your needs. Many established providers offer comparable features at lower price points or no cost.

Consumer complaints and what customers report

Real customers share a consistent frustration: unexpected charges, difficulty cancelling, and refunds that arrive slowly or not at all. You will find numerous complaints across independent review platforms, the Better Business Bureau, and consumer complaint databases describing billing disputes and poor cancellation experiences.

Common billing and cancellation issues

The most frequent complaint patterns reveal a troubling theme. Customers report that recurring charges appeared on their statements even after they believed they had cancelled. Some describe calling customer service and receiving unclear or contradictory instructions about how to stop the service. Others initiated cancellation requests but watched charges continue for weeks or months afterward, forcing them to dispute the transactions with their bank or credit card issuer.

You will also read accounts of customers who attempted to cancel via the website, email, or phone only to find that their requests were lost or ignored. Several reviewers note that the company responded slowly to refund requests, sometimes taking 30 to 60 days or longer. These patterns suggest that the cancellation process is either intentionally opaque or inadequately supported by the company's customer service team.

What customers say works

Despite the frustrations, some customers report success by following specific steps. Those who monitored their bank statements closely and acted immediately when unexpected charges appeared had faster resolution. Others saved screenshots of enrollment confirmations, trial terms, and any cancellation requests they made. Most importantly, customers discovered that disputing charges directly with their credit card issuer or bank often proved more effective than waiting for YourScoreAndMore to process a refund.

Many reviewers recommend taking action the moment you decide the service is not for you, rather than waiting until charges appear. They also advise keeping detailed records of every interaction, including dates, names, confirmation numbers, and email addresses. This documentation becomes invaluable if you need to escalate your case to your payment provider or file a consumer complaint.

Your consumer rights under federal law

You have legal protections when you subscribe to services like YourScoreAndMore, even though the company counts on customers not knowing these rights. Understanding what the law requires empowers you to take action if the company fails to honour your cancellation request.

The telemarketing sales rule and negative option rule

Under the Federal Trade Commission's Negative Option Rule, companies that use automatic recurring billing must obtain your clear, affirmative consent before the first charge. Critically, they must provide a simple cancellation mechanism that is at least as easy as the enrollment process. If YourScoreAndMore makes cancellation difficult, unclear, or impossible through the same channel where you enrolled, the company may be violating federal law. You have the right to cancel at any time during your membership without penalty.

The rule also requires that the company send you a clear reminder before your trial period converts to paid membership. If you did not receive an obvious warning with your cancellation options presented plainly, YourScoreAndMore may have failed to comply with the law.

Disputing unauthorized charges

If you cancel YourScoreAndMore but charges continue to appear on your statement, you have the right to dispute those charges with your credit card issuer or bank. Contact your financial institution and report the transaction as unauthorized or as a billing error resulting from a cancelled subscription. Your bank can reverse the charge, investigate the merchant, and issue you a credit. This process typically takes 10 to 30 days but protects you from fraudulent billing.

How to cancel YourScoreAndMore step by step

Cancelling YourScoreAndMore requires you to use one of three distinct methods, each with different timelines and reliability levels. Following these steps carefully protects you and creates a record of your cancellation request that you can reference if disputes arise later.

Method 1: cancel online through the refund portal

The most direct cancellation route is through YourScoreAndMore's online refund application, available on their secure website. This method leaves a digital record and typically results in faster processing than mail.

1. Visit the YourScoreAndMore refund portal at secure.yourscoreandmore.com/refund.html
2. Log in using your account credentials
   • If you do not remember your password, use the "Forgot password" link to reset it
   • If you cannot access your account, contact customer service before proceeding
3. Complete the refund or cancellation application form with accurate information
   • Provide your full name, email address, and account number
   • Select the reason for cancellation (not satisfied, too expensive, no longer needed, etc.)
   • Include any relevant details in the comments field if you experienced billing problems or charges after attempting to cancel
4. Review all information before submitting to ensure accuracy
5. Submit the form and wait for a confirmation message on screen
6. Screenshot or print the confirmation page immediately - this is your proof of submission
7. Check your email within 24 hours for a confirmation from YourScoreAndMore
8. Monitor your bank statement for the next 7 to 10 days to verify that the recurring charge does not appear

Method 2: cancel by phone with customer service

Speaking directly with a customer service representative allows you to ask questions and confirm cancellation in real time. However, you must document the conversation thoroughly.

1. Locate the customer service phone number on your billing statement or the YourScoreAndMore website
2. Call during business hours and be prepared to verify your identity with your account number or the email address associated with your account
3. Clearly state: "I want to cancel my membership and stop all recurring charges effective immediately"
   • Do not say "suspend" or "pause" - use the word "cancel" to avoid any ambiguity
   • Repeat your request if the representative offers alternative solutions like pausing the service
4. Ask for a cancellation confirmation number and write it down
5. Request that the representative email you a written cancellation confirmation to your email address
6. Ask when the cancellation takes effect and whether your final statement will be sent to you
7. End the call only after you have received the confirmation number
8. Save any confirmation emails and note the date and representative's name in your records

Method 3: cancel by certified mail to the legal department

If online or phone cancellation fails or if you want an official paper trail, send a formal cancellation request directly to YourScoreAndMore's legal department. This method is slower but creates a timestamped, legally defensible record of your cancellation request.

1. Prepare a typed letter on your personal letterhead or plain paper with your contact information at the top
   • Include your full name, email address, phone number, and account number (if available)
   • Write the current date clearly
2. Address the letter to:
   • YourScoreAndMore.com
     Attention: Legal and Accounting Department
     310 North Westlake Boulevard, Suite 200
     Thousand Oaks, CA 91362, United States
3. Write a clear cancellation statement in the body of the letter:
   • "I request immediate cancellation of my YourScoreAndMore membership effective today. Please stop all recurring charges to my account and confirm this cancellation in writing within 10 days."
   • Mention any specific billing problems if applicable, such as unauthorized charges or a failed previous cancellation attempt
4. Sign and date the letter by hand
5. Make two photocopies of the completed letter (one for your records, one for the mailing envelope)
6. Send the letter via USPS Certified Mail with Return Receipt to confirm delivery
7. Keep the green receipt card returned by the postal service as proof of delivery
8. Wait for a written response from YourScoreAndMore within 10 to 14 business days

What happens after you cancel

Cancellation does not end your responsibility to monitor whether the company honours your request. You must actively verify that charges stop and that any refunds promised actually appear in your account. Stopee recommends treating the cancellation period as an active verification phase, not a passive waiting period.

Monitoring your account post-cancellation

After you submit your cancellation request, check your bank statement or credit card activity every few days for the next 14 to 30 days. You are looking for the absence of any YourScoreAndMore charges. If a charge appears after your cancellation date, contact your bank immediately to report it as an unauthorized transaction resulting from a cancelled subscription. Most financial institutions can reverse the charge within 24 hours if reported quickly.

You should also log into your YourScoreAndMore account if possible to verify that your membership status shows as "cancelled" or "inactive." If the account still shows as active, contact customer service again and reference your previous cancellation request and any confirmation number you received.

Timeline for refunds

YourScoreAndMore typically processes cancellations and refunds within 7 to 10 business days if you cancel during the trial period. However, refunds for charges that occurred during a paid membership may take 15 to 30 days or longer. If you received charges after you requested cancellation, you have the right to request a refund for those unauthorized transactions. Keep all correspondence and confirmation numbers to support your refund claim.

Refund eligibility and recovery options

Whether you receive a refund depends on when you cancel and what charges you have incurred. Understanding the company's stated refund policy helps you set realistic expectations, though Stopee encourages you to push back if the company denies a refund you believe you are owed.

Trial period refunds

If you cancel during your $1 trial period before your payment method is charged the full $39.94, YourScoreAndMore should refund your $1 trial fee. This refund is usually automatic if you cancel through the online portal, though you should verify the credit appears within 3 to 5 business days. If the refund does not appear, contact customer service with your cancellation confirmation number and request a status update.

Refunds for unauthorized or disputed charges

If you are charged after cancelling, or if charges continued despite your cancellation request, you can request a refund from YourScoreAndMore directly or dispute the charge through your bank. Stopee advises documenting every step: take screenshots of your cancellation request, your billing statement showing the disputed charge, and any customer service correspondence. Submit a formal refund request to the company first, referencing your cancellation request and confirmation number. If the company refuses or ignores your request within 30 days, file a dispute with your credit card issuer or bank.

Common mistakes when cancelling YourScoreAndMore

Many customers inadvertently make cancellation harder by overlooking a few critical steps. These mistakes often delay your refund or leave you without proof that you cancelled. Avoiding them saves you time, frustration, and money.

Not creating a cancellation record

The biggest mistake is cancelling without saving proof. If you call customer service, you must write down the representative's name, the date, the time, and the confirmation number. If you use the online portal, screenshot the confirmation page immediately. If you mail a letter, use Certified Mail so you receive proof of delivery. Without documentation, YourScoreAndMore can claim they never received your cancellation request, and you will have no way to prove otherwise.

Cancelling through the wrong channel

Sending an email to a general support address or a social media message might feel efficient, but these methods leave your cancellation vulnerable to being overlooked or deleted. Use the official cancellation methods: the online refund portal, the phone line listed on your statement, or Certified Mail to the legal department. These channels have accountability built in and are less likely to disappear into a general inbox.

Failing to follow up when charges continue

If a charge appears after your cancellation date, many customers accept it as unavoidable. Instead, you should dispute it immediately. Contact your bank, provide your cancellation confirmation number, and explain that the charge occurred after you cancelled the service. Your bank can reverse the transaction and investigate whether YourScoreAndMore has a pattern of ignoring cancellation requests.

Not checking account status weeks later

YourScoreAndMore's cancellation systems are not always reliable. A cancelled account might still show as active in their system, or a billing flag might not be applied correctly. Check your account 14 days after cancellation to confirm your status has changed. If it has not, call customer service again and escalate the issue.

Escalating your complaint if YourScoreAndMore refuses to cancel

If you have followed all cancellation steps and the company continues to refuse, delay, or charge you despite your clear request to cancel, you have consumer protection options. Stopee encourages you to pursue these avenues aggressively, because the company is counting on your patience.

File a dispute with your financial institution

Your bank or credit card issuer is often your fastest path to resolution. Contact them by phone or through your online account, report the transaction as unauthorized or as a billing error resulting from a cancelled subscription, and provide your cancellation confirmation number. The financial institution will open a dispute investigation, and the burden shifts to YourScoreAndMore to prove that the charge was authorized. Most disputes resolve in favour of the customer within 30 days.

Report the company to the federal trade commission

The FTC investigates complaints about deceptive or unfair practices, including violations of the Negative Option Rule. File a complaint at reportfraud.ftc.gov or call 1-877-438-4338. Include your cancellation confirmation information, the dates of unauthorized charges, and a copy of your refund request. The FTC uses these complaints to identify patterns of abuse and may take enforcement action against the company.

Contact your state's attorney general

Your state attorney general's office handles consumer protection and can investigate whether YourScoreAndMore is violating state laws regarding automatic recurring billing or unfair cancellation practices. File a complaint through your state AG's website (you can find it by searching "[your state] attorney general consumer complaints"). Include the same documentation: your account information, cancellation confirmation, and billing history.

Common questions answered by stopee

You likely have specific questions about the cancellation process, timelines, or refund outcomes. Stopee addresses the most frequent concerns here based on real customer experiences and consumer law.

How long does YourScoreAndMore take to process a cancellation?

Online cancellations through the refund portal typically process within 24 hours, though you should verify that charges stop within 7 to 10 days. Phone cancellations take effect immediately if you receive a confirmation number, but monitor your statement to confirm. Certified Mail cancellations can take 10 to 20 business days because the letter must arrive, be processed by the legal department, and be confirmed back to you.

Can YourScoreAndMore charge me after i cancel?

No. Once you successfully cancel, the company must stop all recurring charges. If a charge appears after your cancellation date, it is unauthorized, and you should dispute it with your bank immediately. The company may claim the charge processed before your cancellation took effect, but if you have a confirmation number showing the cancellation date, you have evidence of when the request was submitted.

Will i lose my credit score history if i cancel?

Cancelling your YourScoreAndMore membership does not affect your actual credit score or credit file. Your score is maintained by the credit bureaus (Equifax, Experian, and TransUnion), not by YourScoreAndMore. Cancelling simply stops you from receiving monitoring alerts through their service. You can access your credit score for free through other providers whenever you wish.

Should you cancel YourScoreAndMore?

The decision to cancel depends on your personal situation, but certain signs suggest it is the right choice. Stopee recommends cancelling if any of these apply to you: the monthly charge is not affordable, you do not use the monitoring alerts or features, you found the same information through free providers, or you experienced billing issues or poor customer service.

Reasons to keep the service

You might justify staying if you actively use the credit monitoring features to catch fraud early, if you value the identity protection component, or if the monthly fee is genuinely worth the peace of mind it provides. However, compare the $39.94 monthly rate against free or lower-cost alternatives before renewing each month.

Reasons to cancel immediately

Cancel if you are frustrated with unexpected charges, if customer service has been unhelpful, if you found cheaper alternatives, or if the company made cancellation deliberately difficult. You should also cancel if you do not fully understand why the service is charging you or if you enrolled expecting a one-time $1 fee and forgot about the trial-to-paid conversion.

Stopee's checklist for cancelling YourScoreAndMore

Use this checklist to ensure you complete every step of the cancellation process and protect yourself from further charges.

• [ ] Decide which cancellation method you will use (online, phone, or certified mail)
• [ ] Gather your account number and the email address associated with your YourScoreAndMore account
• [ ] If cancelling by phone, prepare a pen and paper to write down the representative's name and confirmation number
• [ ] If cancelling online, screenshot the confirmation page before closing the browser
• [ ] If cancelling by mail, prepare a typed letter and send via Certified Mail; save the receipt
• [ ] Wait 24 hours after submission, then check your email for a cancellation confirmation
• [ ] Monitor your bank statement daily for the next 14 days; verify no YourScoreAndMore charges appear
• [ ] If a charge appears after cancellation, contact your bank immediately to dispute it
• [ ] Log into your YourScoreAndMore account after 14 days to confirm your membership status shows as cancelled
• [ ] Keep all cancellation confirmations, emails, and bank statements in a folder for at least 6 months
• [ ] If the company continues to charge you, file a dispute with your financial institution and report the company to the FTC

Your path forward with stopee

Cancelling YourScoreAndMore is entirely within your rights, and you should not feel pressured to keep paying for a service that no longer serves you. The cancellation methods outlined here are reliable and documented, putting the power in your hands. Stopee has helped thousands of consumers cancel unwanted subscriptions by providing clear, step-by-step guidance and reminding them that their satisfaction and financial security come first.

Take action today using the method that feels most secure for your situation. Document every step, monitor your account closely, and do not hesitate to escalate to your bank or the Federal Trade Commission if the company fails to honour your cancellation request. You deserve a hassle-free cancellation experience, and Stopee stands with you in making that happen.

Contact information for YourScoreAndMore cancellation

Use these addresses and methods to submit your cancellation request directly to the company.

Mailing address for cancellation by certified mail

YourScoreAndMore.com
Attention: Legal and Accounting Department
310 North Westlake Boulevard, Suite 200
Thousand Oaks, CA 91362
United States

Online cancellation portal

Visit secure.yourscoreandmore.com/refund.html to submit your cancellation and refund request through the official online form.

Stopee recommends using the online portal as your first choice because it offers the fastest processing and leaves a digital record. If you encounter any problems with the portal, fall back to the phone method or certified mail. Stopee is committed to helping you take control of your subscriptions and protecting your financial wellbeing every step of the way.