Cancellation service #1 in Canada
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Smartcredit service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel SmartCredit: Easy Method
What is SmartCredit
Service overview
SmartCredit is a subscription-based credit monitoring and credit-management service that provides tools like ScoreTracker and ScoreBuilder, alerts, and educational resources.
The service is provided by a U.S.-based company and is accessible via web, iOS (App Store) and Android (Google Play).
Primary features
Key features include credit score tracking, alerts for changes, simulated score-building actions, and online account management.
Billing and refund rules are governed by SmartCredit's service terms and, for app-store purchases, by the respective platform policies.
How to cancel SmartCredit
Web / Customer service phone
- Log in to your SmartCredit account and go to Account Settings.
- Choose the subscription or membership and select Cancel Subscription.
- Alternatively, call Customer Service at (877) 372-3895 to request cancellation by phone.
- Cancellation via web or phone will take effect at the end of the current paid term; there is no prorated refund.
iOS App Store and Google Play (Android)
- iOS: Open the App Store, tap your Apple ID, choose Subscriptions, find SmartCredit and Cancel. Apple manages billing for App Store purchases.
- Android: Open Google Play > Payments & subscriptions > Subscriptions, select SmartCredit and Cancel. Google governs billing and refund handling for Play purchases.
- Follow the platform prompts and keep confirmation screenshots or emails from Apple/Google if available.
What happens when you cancel
Access and features
Cancelling stops future renewals but does not immediately remove access unless stated otherwise by the platform.
Your subscription typically remains active until the end of the current paid period even after cancellation.
Billing and renewal
Cancellation prevents the next billing cycle; it does not provide a pro-rata refund for the remaining period.
For App Store or Google Play purchases, billing and renewals are handled by Apple or Google respectively.
Data and account retention
Your account data and settings may remain on file after cancellation; check SmartCredit's privacy policy or account pages for retention details.
If you wish to remove data, contact Customer Service and request information about data deletion procedures.
Will I get a refund?
General refund policy
SmartCredit's Service Agreement states that all payments for subscriptions and other features are non-refundable and there are no pro‑rata refunds.
In short: cancelling stops future charges but does not entitle you to a refund for the current paid period.
Platform-specific exceptions
- iOS/App Store: Apple may handle refund requests for App Store purchases in certain circumstances per Apple's policies; contact Apple Support for those requests.
- Google Play: Google Play refund requests and subscription management follow Google's policies; Google is the primary contact for Play purchases.
- If a purchase fails to conform to a warranty or involves an unauthorized charge, platform providers or consumer protection laws may offer remedies; keep documentation.
SmartCredit plans and pricing
Overview
No specific 2024/2025 pricing for SmartCredit in Nigeria was found in available public sources.
Prices can vary by channel (direct web, App Store, Google Play) and by promotional offers or regional pricing.
Pricing table
| Plan | Price | Billing | Notes |
|---|---|---|---|
| SmartCredit Subscription | Varies | Varies | See provider for current pricing and platform-specific billing. |
Your consumer rights in Nigeria
Relevant laws and protections
Consumers in Nigeria are protected by laws such as the Federal Competition and Consumer Protection Act which addresses unfair practices and misleading claims.
Cooling-off periods (often 7 - 14 days in some jurisdictions) are not guaranteed by SmartCredit's terms and are fact-specific under Nigerian law.
How to act in Nigeria
- Check the Federal Competition and Consumer Protection Act and any guidelines from Nigeria’s Federal Competition and Consumer Protection Commission (FCCPC).
- If you have an unauthorized charge, contact your card issuer or payment provider to dispute the transaction promptly.
- Gather documentation (receipts, screenshots, emails) and consider filing a complaint with the FCCPC if you believe terms were misleading or unlawful.
Customer experiences
Positive feedback
Many users praise SmartCredit for a user-friendly interface, useful tools like ScoreTracker and ScoreBuilder, and timely alerts.
Some reviewers report the platform helped them understand credit factors and track score improvements over time.
Common complaints
Negative reviews often cite repeated or unexpected charges, difficulty obtaining refunds, and a feeling that score improvements resulted from the user's own actions rather than the service.
Some customers describe drawn-out cancellation experiences and challenges getting support to issue credits or refunds.
Documentation checklist
What to have ready before cancelling
- Account email address and username associated with SmartCredit.
- Payment receipts or bank/card statements showing charges.
- Screenshots of your subscription page and any cancellation confirmations.
When contacting support or disputing charges
- Customer service call records (date, time, agent name) if you called (877) 372-3895.
- Apple or Google receipts if the subscription was purchased through the App Store or Google Play.
- A clear timeline of actions you took and the relief you seek (refund, confirmation of cancellation, data deletion).
Common mistakes
Assuming cancellation equals immediate refund
A common error is expecting an immediate or pro‑rata refund after cancelling. SmartCredit's terms explicitly deny pro‑rata refunds.
If you cancel, the subscription usually remains active until the end of the paid term; do not rely on cancellation alone to recover fees already paid.
Cancelling in the wrong place
Users sometimes cancel on the SmartCredit website but forget to cancel the App Store or Google Play subscription, or vice versa.
Always cancel through the same channel that billed you: web/credit-card via SmartCredit, Apple via Apple ID subscriptions, Google via Play subscriptions.
Comparative recap
Channel comparison
| Channel | How to cancel | Refunds | Effective date | Who handles billing/refunds |
|---|---|---|---|---|
| Web / Customer Service phone | Log in → Account Settings → Cancel, or call (877) 372-3895 | No refunds or pro‑rata credits per SmartCredit terms | End of current paid term | SmartCredit (provider) |
| iOS App Store | Cancel via Apple ID Subscriptions in the App Store | Apple may handle refund requests under App Store policies | Depends on Apple/receipt; cancellation stops future renewals | Apple handles billing; SmartCredit referred for app issues |
| Google Play (Android) | Cancel via Google Play > Payments & subscriptions > Subscriptions | Refunds governed by Google Play policies | Depends on Google Play; cancellation stops future renewals | Google handles billing; SmartCredit refers users to Google for Play purchases |
Key takeaways
Cancel through the channel that billed you and keep confirmation evidence.
Expect no pro‑rata refunds from SmartCredit; check Apple/Google policies for platform purchases.
After cancelling
Confirming cancellation
- Save or screenshot any on-screen cancellation confirmation and any confirmation emails.
- Monitor your bank or card statements for the next billing date to confirm charges stopped.
Helpful links and next steps
- SmartCredit Service Agreement
- SmartCredit Terms (site use)
- User reviews on Trustpilot
- Postclic summary of cancellation methods
- For App Store issues, contact Apple Support via your device or support.apple.com.
- For Google Play issues, visit Google Play Help.
Address
Registered address
SmartCredit
16795 Von Karman Ave Suite 230, Irvine, California 92606, United States
Notes about sending mail
No Nigeria-specific postal address was located in public records; the above is the U.S. address listed for SmartCredit.
If you plan to send physical mail, also contact Customer Service first to confirm receipt and appropriate contact channels.
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.