Manage Standard Scores

How to cancel standard scores and stop recurring charges

What standard scores is and why you might want to cancel

Standard Scores is a U.S.-based credit monitoring and dispute-assistance service that operates on a subscription model. The company, registered in Henrico, Virginia, offers access to your credit scores, ongoing monitoring of your credit file, and tools designed to help you dispute inaccuracies on your credit report. Like many credit services, Standard Scores typically starts with a low introductory offer (often reported as $1) before charging recurring monthly fees for continued access to their monitoring tools and support services.

You may have signed up for Standard Scores expecting a simple one-time charge, only to discover that your bank account or credit card is being billed repeatedly each month. If those recurring charges no longer serve your needs, or if you've found better alternatives, canceling is your right. Stopee has helped thousands of consumers navigate subscription cancellations exactly like this one, and we're here to walk you through every step so you regain control of your billing.

The subscription model and how billing typically works

Standard Scores operates on what the Federal Trade Commission calls a "negative-option" or automatic renewal subscription. You enroll (often during a promotional trial period), and the company bills you repeatedly until you take action to stop it. The company does not automatically cancel your subscription when your trial ends; you must actively request cancellation.

Most customers report an initial charge of around $1 for the trial period, followed by recurring monthly charges of approximately $24.95 for the core monitoring subscription. Some customers have also reported additional upsell offers ranging from $99 to $378 for supplemental services like credit-file cleanup or priority dispute assistance. These figures come from consumer reports and review platforms rather than from a published Standard Scores price sheet, so actual charges on your account may vary.

Why canceling matters: protecting your wallet and your credit file

If you no longer use Standard Scores' tools, or if you've switched to a different credit monitoring service, continuing to pay is money wasted. Monthly charges of $24.95 add up to nearly $300 per year. More importantly, keeping unused subscriptions active can clutter your billing records and make it harder to spot fraudulent charges on your bank or credit card statement. Canceling promptly ensures you stop the bleeding and free up funds for priorities that matter to you.

Your consumer rights when canceling automatic renewal subscriptions

Federal and state law protect you when canceling services like Standard Scores.

Federal protections under the telemarketing sales rule and restore online shoppers confidence act

The Federal Trade Commission enforces rules that apply directly to automatic renewal subscriptions. These rules require companies to make cancellation "easy" and to honor your cancellation request promptly. The FTC specifically prohibits companies from making cancellation harder than signup, and companies must provide at least one simple, cost-free method for you to cancel. If Standard Scores makes you jump through hoops or charges you a fee to cancel, they are likely violating federal law.

Additionally, under the Restore Online Shoppers Confidence Act, companies must clearly disclose all material terms of the subscription (including the cancellation mechanism and any renewal terms) before you enroll. If you were not clearly told how to cancel before you signed up, or if those terms were hidden in fine print, you have grounds to dispute charges.

Virginia state law and your automatic renewal rights

Because Standard Scores operates from Virginia, Virginia's automatic renewal statute applies. Virginia law requires companies to obtain your affirmative, informed consent before charging you for any automatic renewal. The company must provide you with a clear and conspicuous statement of the terms, including how and when you can cancel. Virginia also mandates that cancellation mechanisms must be simple and accessible; companies cannot force you to call a phone line if you signed up online.

These protections give you leverage. If Standard Scores resists your cancellation or denies that they received your request, you can escalate your complaint to Virginia's consumer protection authority or file a complaint with the Federal Trade Commission.

How to cancel standard scores step by step

Stopee recommends canceling Standard Scores by registered postal mail because it creates verifiable proof of your cancellation request, which protects you if disputes arise later.

The registered mail cancellation method: step by step

Registered mail provides a legally defensible paper trail. When you send your cancellation via registered mail with return receipt requested, the U.S. Postal Service creates an official record of when your letter was delivered. This proof is invaluable if Standard Scores later claims they never received your cancellation or disputes the date you requested it.

1. Gather your account information.
   • Locate your Standard Scores account number (check your invoice, email confirmation, or bank statement).
   • Note the email address or phone number you used to sign up for Standard Scores.
   • Have your full name and billing address ready to include in your letter.
2. Compose a formal cancellation letter.
   • Write a clear, short letter (one paragraph is fine) stating that you want to cancel your Standard Scores subscription effective immediately.
   • Include your full name, account number, email address, phone number, and the date of your request.
   • Example text: "I am writing to request immediate cancellation of my Standard Scores subscription (Account #[your account number]). Please process this cancellation request as of today and confirm that no further charges will be made to my account."
   • Keep the tone professional and direct; avoid anger or accusations.
3. Make a copy for your records.
   • Photocopy or scan your letter before you mail it.
   • Print or save the copy and store it with your Stopee cancellation checklist (see the checklist section below).
4. Send via registered mail with return receipt.
   • Do not use regular first-class mail; the registered mail option costs a few extra dollars and is worth every penny for proof.
   • Visit your local post office and ask for "Certified Mail with Return Receipt Requested."
   • Provide the address: Standard Scores LLC, 3900 Westerre Parkway, Suite 300, Henrico, VA 23233.
   • Pay the additional fee for return receipt (typically $1.50 to $3.00).
   • Keep your receipt and tracking number.
5. Track delivery and save all documentation.
   • Use the USPS tracking number to confirm delivery within 5 to 10 business days.
   • When the return receipt arrives in your mailbox, file it with your copy of the letter.
   • Take a photo of both the receipt and the tracking confirmation as a digital backup.
6. Monitor your bank or credit card account.
   • Check your account for the next 30 days to confirm that no further Standard Scores charges appear.
   • If a charge does appear after you've sent your cancellation letter, you have proof that you canceled and can dispute the charge with your bank.

Why registered mail is your best option

Pro tip: Phone calls and online chat are convenient, but they leave no verifiable record. If Standard Scores claims later that they never spoke to you or that your verbal cancellation "did not go through," you have no proof. Registered mail creates an objective, legally admissible record that protects you in disputes, arbitration, or regulatory complaints. Stopee recommends this method as the gold standard for canceling subscriptions precisely because it puts the burden on the company to prove they didn't receive your request-and the postal service's records make that burden impossible for them to meet.

Alternative: phone cancellation (if you choose to pursue it)

Standard Scores does accept cancellation requests by phone. Warning: this method lacks the paper trail of registered mail, but if phone lines are your only practical option right now, here's how to approach it:

1. Call Standard Scores customer service at (888) 698-7936.
2. Call during their listed support hours: Monday through Friday, 9 AM to 8 PM ET.
3. Have your account number and identifying information ready.
4. Speak clearly and ask the representative to confirm your name and account before processing your cancellation.
5. Request that they email you a cancellation confirmation immediately after the call.
6. Before hanging up, ask them to read back your account number and the effective date of your cancellation to ensure accuracy.
7. If they confirm cancellation verbally, follow up with a registered mail letter anyway (see above) to create a permanent record.

Warning: do not rely on phone cancellation alone. Representatives may tell you "the system will send you a confirmation email," but if that email never arrives, you have no proof you called. Always follow a phone cancellation with registered mail confirmation.

What to expect after you cancel standard scores

Cancellation takes time, and understanding the timeline prevents panic.

Timeline and billing cycle considerations

When you cancel Standard Scores, the company is obligated to stop billing you, but the exact timing depends on your billing cycle. If you cancel mid-month, they may still charge you for that month (because the charge typically covers the full month in advance). The cancellation usually becomes effective at the end of your current billing cycle, meaning you might see one final charge before the subscription truly stops. This is standard; the final charge covers the service period you've already entered.

Within 3 to 5 business days of receiving your cancellation request, Standard Scores should send you a written confirmation (usually by email) acknowledging that your subscription has been canceled. Check your email inbox and spam folder for this confirmation. If you don't receive one within a week, contact them again-this time by phone, and this time with a documented record of your attempt to reach them.

Monitoring your account after cancellation

After you cancel, stay vigilant. For the next two billing cycles, check your bank or credit card statement closely to confirm that no new charges appear from Standard Scores. If you see a charge after the effective date of your cancellation, you have evidence of a billing error and can dispute it with your bank or credit card company. Stopee recommends setting a calendar reminder 30 days after you send your cancellation letter to review your statement; this simple step catches problems early.

Also, log into your Standard Scores account (if you still have access) and confirm that your subscription status shows as "canceled" or "inactive." If the account still shows "active," that's a red flag that your cancellation request may not have been processed. Contact customer service immediately.

Refunds: when you may be entitled to a refund

Stopee knows that many customers ask whether they can recover charges from the past few months or even years.

When standard scores must issue a refund

You are entitled to a refund if any of the following is true:

• You canceled within a trial period (often the first 30 days). Depending on the company's terms, you may be eligible for a full refund of any charges during that trial.
• You canceled but were still charged after the effective date of your cancellation. This is a billing error, and you can demand a refund.
• You were charged for services you did not authorize. If you never consented to the subscription, you have grounds to dispute all charges.
• The company failed to honor a state or federal legal requirement. If Standard Scores violated Virginia's automatic renewal law or the FTC's cancellation rules, regulators can force them to refund affected customers.

How to request a refund

If you believe you are owed a refund, send a second registered mail letter to Standard Scores detailing which charges you want refunded and why. Be specific: include the dates of the charges, the amounts, and the reason (e.g., "charged after cancellation," "unauthorized charges," "charged during trial period"). Include a copy of your cancellation confirmation and any evidence that supports your refund claim (e.g., a screenshot of your bank statement showing the date of cancellation and the date of a charge that came after).

Allow 30 days for Standard Scores to respond. If they refuse or ignore your refund request, you can escalate by filing a complaint with your state's attorney general office or with the Federal Trade Commission. You can also dispute the charges directly with your bank or credit card company, which often results in refunds even if Standard Scores refuses to cooperate.

Pricing breakdown and what you should have been charged

Understanding Standard Scores' pricing structure helps you verify that charges on your statement are legitimate.

These figures reflect customer reports rather than a published pricing sheet from Standard Scores, so your charges may differ slightly. Always compare your statement to your signup confirmation email to confirm you were charged correctly and that no unauthorized charges appear.

Common mistakes people make when canceling standard scores

Canceling a subscription sounds simple, but many people stumble because they overlook key steps or trust the wrong communication method.

Mistake 1: canceling online or by email without confirmation

You may see a "Cancel Subscription" button on the Standard Scores website or attempt to cancel via email. While this is convenient, do not rely on this alone. Online systems crash, emails get lost in spam folders, and the company has no incentive to confirm your cancellation if they can claim it never arrived. Always follow an online cancellation with a registered mail letter to create a backup record. This is the single most common mistake Stopee sees, and it often leads to surprise charges weeks later.

Mistake 2: trusting a verbal phone cancellation without written follow-up

A customer service representative may tell you, "Your subscription is canceled," but if that confirmation never arrives by email and you cancel only by phone, you have no proof. The company can later claim that your cancellation request was not recorded. Always request written confirmation, and always follow up with registered mail.

Mistake 3: canceling but not monitoring your next billing cycle

You cancel today, but your next billing date is three weeks away. Many people forget to check whether that final charge appeared as expected, and surprise charges slip through unnoticed. Set a phone reminder to check your account statement 30 days after cancellation. This takes two minutes and catches errors immediately.

Mistake 4: not keeping documentation

Once you cancel, do not discard your confirmation email, registered mail receipt, or tracking number. These documents are your proof if a dispute arises. Store them in a folder (digital or physical) and reference them if the company ever claims they don't have a record of your cancellation.

Mistake 5: accepting "your cancellation will be processed at the end of the month"

Warning: if a representative tells you your cancellation will be processed at the end of the month, push back. Federal law and Virginia state law require cancellation to happen promptly. "End of the month" is delaying tactic. Your cancellation should be effective immediately or within 3 to 5 business days, not 30 days away. Document what the representative told you and escalate if they insist on a delay.

Cancellation checklist for standard scores

Use this checklist to stay organized and ensure you don't miss a critical step.

• Gather your Standard Scores account number, email, and phone number.
• Compose a formal cancellation letter with your name, account info, and cancellation request.
• Photocopy or scan the letter for your records.
• Visit the post office and send via Certified Mail with Return Receipt Requested to 3900 Westerre Parkway, Suite 300, Henrico, VA 23233.
• Save the USPS tracking number and receipt.
• Track delivery online using the USPS tracking number.
• File the return receipt when it arrives.
• Wait for a written cancellation confirmation from Standard Scores (usually within 5 business days).
• Check your email inbox and spam folder for the confirmation.
• Monitor your bank or credit card statement for 30 days to confirm no new charges appear.
• Log into your Standard Scores account (if accessible) and verify subscription status shows "canceled."
• If unauthorized charges appear after cancellation, dispute them with your bank immediately.
• If you don't receive a written confirmation within 7 days, call (888) 698-7936 to request it.

What to do if standard scores refuses to cancel or keeps charging you

Most cancellations go smoothly, but if Standard Scores ignores your request or continues billing you after cancellation, here are your escalation options.

Dispute the charge with your bank or credit card company

This is your fastest option. Call your bank or credit card issuer and tell them you have requested cancellation of Standard Scores but continue to see unauthorized charges. Provide your cancellation letter (registered mail receipt) and any related documentation as proof of your cancellation request. Your bank can reverse unauthorized charges, place a freeze on future Standard Scores transactions, or issue a chargeback. Most banks process dispute claims within 10 to 30 days.

File a complaint with the federal trade commission

If Standard Scores violates federal cancellation rules, the FTC wants to know. Go to reportfraud.ftc.gov, describe the situation (include dates, amounts, and documentation), and submit. The FTC does not resolve individual complaints, but they track patterns and can take enforcement action against repeat offenders. A complaint on file also strengthens your position if you later pursue arbitration or small-claims court.

Contact virginia's attorney general consumer protection division

Because Standard Scores operates from Virginia, Virginia's consumer protection laws apply. You can file a complaint with the Virginia Attorney General's Office of Consumer Protection. They investigate companies that violate state law and can force refunds or penalties. Visit the Virginia Attorney General website to file a formal complaint.

Pursue arbitration or small-claims court

If you have been overcharged by more than a few hundred dollars, consider small-claims court in Virginia. Small-claims judges often rule in favor of consumers when the company ignored a registered mail cancellation request. Your registered mail receipt and return receipt are strong evidence. Bring copies of your bank statements showing the disputed charges and your cancellation documentation. Most small-claims courts do not charge a filing fee if you win.

Comparison: standard scores vs. free credit monitoring alternatives

Before you cancel, consider whether a free alternative might serve you better.

If your primary need is credit monitoring and occasional dispute help, free services like Credit Karma and AnnualCreditReport.com may be sufficient. You can handle disputes yourself using templates from the Federal Trade Commission website at no cost. Canceling Standard Scores and switching to free alternatives could save you nearly $300 per year.

What happens to your credit and accounts after you cancel

Canceling Standard Scores does not affect your credit score or your accounts with the three credit bureaus.

Your credit file remains intact and unaffected

Standard Scores is a third-party service; they do not report to the credit bureaus and they do not control your credit report. Canceling their service does not erase disputes, does not change your credit score, and does not alter any information on file with Equifax, Experian, or TransUnion. Your credit history and all previous disputes you filed remain exactly as they were. Canceling simply stops Standard Scores from monitoring your file going forward and stops the monthly charges.

Managing disputes after you cancel

If you have pending disputes filed through Standard Scores, canceling does not automatically close those disputes. Log into your account before you cancel to note which disputes are active and their status. After cancellation, you can continue pursuing those disputes on your own by contacting the credit bureaus directly (free of charge). The FTC provides free dispute letter templates at ftc.gov to guide you.

Your cancellation address and final confirmation

Send your registered mail cancellation letter to this address:

Standard Scores LLC
3900 Westerre Parkway, Suite 300
Henrico, VA 23233

Always use Certified Mail with Return Receipt Requested to create proof of delivery. Keep your receipt, tracking number, and a copy of your letter for at least one year after cancellation.

Empower yourself: take action today

Canceling Standard Scores is straightforward once you know the steps. You have the legal right to cancel anytime, and federal and state law are on your side if the company resists. The registered mail method protects you completely because it creates an official record that even Standard Scores cannot dispute. Follow the checklist above, keep your documentation, and monitor your account for the next month to confirm that charges have stopped.

If you have been overcharged or if Standard Scores continues to charge you after cancellation, remember that you have multiple escalation options: your bank can reverse charges, the Federal Trade Commission can investigate, and Virginia's Attorney General can enforce state law. You are not alone in this process. Stopee has helped thousands of consumers cancel unwanted subscriptions and recover overcharges, and our guides are here to give you the knowledge and confidence to act. Take control of your billing today, cancel Standard Scores, and redirect that $24.95 monthly charge toward something that truly matters to you.