Ending your ScoresMatter membership made easy

About ScoresMatter

ScoresMatter is a UK-based credit monitoring service that helps consumers track their credit scores and reports from major credit reference agencies. Operating from their London headquarters, the company provides tools to monitor credit health, detect potential fraud, and understand factors affecting creditworthiness. The service aggregates data from multiple credit bureaus, giving users a comprehensive view of their financial standing in one convenient platform.

As someone who's processed thousands of subscription cancellations, I can tell you that credit monitoring services like ScoresMatter are among the most commonly cancelled subscriptions. Most importantly, people often cancel once they've achieved their goal—whether that's improving their credit score, securing a mortgage, or simply checking their credit status. Others find they prefer free alternatives or discover they're paying for features they rarely use.

Keep in mind that ScoresMatter operates under UK consumer protection laws, which means you have specific rights when it comes to cancelling your subscription. Understanding these rights before you start the cancellation process will save you considerable hassle down the line.

Plans, features and pricing

ScoresMatter typically offers tiered subscription plans designed to suit different monitoring needs. Based on current market positioning for UK credit monitoring services, here's what you'll generally find:

First, check your account settings or recent bank statements to confirm exactly which plan you're subscribed to. This information will be crucial when you send your cancellation notice, as you'll want to reference your specific subscription details.

Additionally, many subscribers don't realize they've been automatically upgraded from a free trial to a paid plan. This is perfectly legal in the UK, provided the terms were clearly stated during sign-up, but it catches many people off guard when they see unexpected charges on their bank statement.

Common features across plans

Most ScoresMatter plans include access to your credit score from one or more of the UK's three main credit reference agencies: Experian, Equifax, and TransUnion. You'll typically receive alerts about significant changes to your credit file, such as new accounts opened in your name, credit searches, or changes to your address details.

Pro tip from my experience: Before cancelling, download or save any reports or data you might need later. Once your subscription ends, you'll lose access to historical information that could be valuable for future reference, especially if you're in the middle of a mortgage application or dispute resolution process.

Terms of service and cancellation policy

Understanding ScoresMatter's terms of service is absolutely critical before you attempt to cancel. UK law provides strong consumer protections, but you'll still need to follow the company's specific procedures to ensure a clean cancellation.

Notice periods and billing cycles

Most UK subscription services, including credit monitoring platforms, require advance notice for cancellation. Typically, you'll need to provide notice before your next billing date to avoid being charged for another month. This is where many people make their first mistake—they assume cancelling on the day before renewal is sufficient, but if the terms require 48 hours or more notice, you could still be charged.

Keep in mind that ScoresMatter operates on monthly billing cycles. If you cancel mid-cycle, you'll almost certainly not receive a pro-rata refund for the unused portion of the month. This is standard practice and entirely legal under UK consumer law, provided it's stated in the terms of service.

Your rights under UK consumer law

The Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013 give you specific protections when dealing with subscription services in the UK. Most importantly, if you signed up online or over the phone, you have a 14-day cooling-off period during which you can cancel for any reason and receive a full refund.

Additionally, if ScoresMatter has made it unreasonably difficult to cancel compared to how easy it was to sign up, this could breach consumer protection regulations. However, requiring written notice by post is generally considered acceptable, particularly for financial services where proper documentation is important.

Automatic renewals and continuous payment authority

ScoresMatter, like most subscription services, will automatically renew your membership unless you actively cancel. They're legally required to remind you before taking payment if your subscription costs more than £12 per month, but relying on these reminders is risky. Take control of the cancellation process yourself.

Pro tip: Even after cancelling through the company, consider contacting your bank to cancel any continuous payment authority. This provides a safety net if your cancellation doesn't process correctly, though you should always cancel through proper channels first to avoid any potential breach of contract issues.

Cancelling by post - the complete guide

After processing thousands of subscription cancellations, I can tell you that postal cancellation is hands-down the most reliable method for services like ScoresMatter. Here's why: you get physical proof of sending, a paper trail that's admissible as evidence, and protection under UK postal regulations. Unlike emails that can be filtered, ignored, or claimed as \