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Cancellation service #1 in Canada
ScoreSense is a subscription service that provides access to credit scores and reports, tools for tracking credit across the three major U.S. credit bureaus, daily alerts and identity‑theft protection features. The service is operated from the U.S.; Canadian users commonly subscribe using U.S. dollar pricing and U.S. terms of service.
When cancellation is processed, auto‑renewal should stop so no further recurring charges are initiated. Access to ScoreSense features normally continues until the end of the current billing period you already paid for. Your account data (profile and historical reports) may remain on ScoreSense systems according to their data‑retention and privacy policies; if you need copies of reports or account records, export or save them before cancelling.
ScoreSense generally does not provide refunds for mid‑billing‑cycle cancellations; canceling usually stops future renewals but does not prorate or refund the current period. If you cancel after the 7‑day trial ends you will typically be charged the full monthly fee; refunds are not guaranteed. In some cases calling customer care and explaining your situation has resulted in a discretionary refund, but documented reports show many refund requests are denied - especially if submitted after the billed date. If you believe a charge is unauthorized, you may also dispute it with your card issuer or payment provider.
| Plan | Price | Period | Features |
|---|---|---|---|
| 7-Day Trial | US$1.00 | One‑Time (7‑day) | Trial access to credit scores and reports |
| Monthly Membership | US$29.95 | Monthly | Three‑bureau scores & reports, daily alerts, ScoreTracker™, ScoreCast™, identity theft insurance (up to $1M) |
Note: Prices shown are in USD. No CAD‑denominated pricing was found on public pages.
Canadian consumer protection requires clear disclosure of trial terms, auto‑renewal and cancellation procedures for digital subscriptions; some jurisdictions allow a "cooling‑off" period (commonly about 14 days) for distance purchases where the consumer can cancel. ScoreSense is U.S.‑based and its published terms may not offer Canadian‑specific refunds or a statutory cooling‑off remedy. If you are charged without proper disclosure or believe a charge is unauthorized, you can contact ScoreSense customer care, keep documentation of your cancellation attempts, and raise a dispute with your bank or credit card issuer. You may also consult your provincial consumer protection office for further guidance on cross‑border digital subscription issues.
Reviews are mixed. Many users appreciate access to three‑bureau scores and the monitoring tools, and some report professional, helpful interactions with customer service. However, a substantial number of customers report difficulty canceling (finding no web cancel button, or being charged after they thought they had cancelled), complaints about low‑cost trials that auto‑renew at higher monthly fees, and frequent refusals of refund requests. Some users also say the scores provided differ from official FICO scores and from what the credit bureaus show.
Typical errors include assuming deleting the mobile app cancels the subscription, waiting until after the trial ends to cancel, failing to obtain and save a cancellation confirmation, and contacting the wrong support channel (for example cancelling in your ScoreSense account when you were billed through Apple or Google Play). Another common issue is not documenting the cancellation attempt - without proof, refund requests and disputes are harder to succeed.
| Method | Refund | Difficulty |
|---|---|---|
| Web (account) | Unlikely; access normally continues to period end | Medium - cancel button may be absent; may require contacting support |
| Phone (Customer Care) | Unlikely but discretionary refunds possible; explain circumstances | Medium - High - must provide ID, may experience hold times |
| Apple App Store (iOS) | Subject to Apple refund policy | Low - Medium - managed through Apple account settings |
| Google Play (Android) | Subject to Google Play refund policy | Low - Medium - managed through Google Play settings |
| Registered mail (written) | Unlikely; having proof may help disputes | High - slower, requires return receipt and follow‑up |
Keep all confirmation records and billing statements and monitor your card for further charges. If you are charged after cancellation, use your documentation to request a refund from ScoreSense customer care and, if necessary, file a dispute with your card issuer. Helpful links: ScoreSense FAQs at scoresense.com/faqs, a step guide at 19pine.ai, and a user‑reported refund discussion at explaincharges.com. Export any reports you want to keep, change your account password, and continue to monitor your credit and bank statements.
For written cancellation (recommended by registered mail with return receipt), send to:
ScoreSense Attn: Customer Care P.O. Box 1180 Allen, TX 75013
After mailing, follow up by phone at 1‑800‑972‑7204 to confirm receipt and request a cancellation confirmation number.
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Written by Lucas Lee
Former postal advisor · 3 years experience
Former postal-services advisor and e-signature specialist, I have been writing for Postclic for 3 years to demystify legally binding mail for everyday users.