Cancellation Yourscoreandmore: Easy Method

What is Yourscoreandmore

What the service does and who runs it

Yourscoreandmore is a subscription credit monitoring service that sells access to credit score tracking, credit-related reports, and financial health tools. The service is tied to Nations Info Corp and the cancellation address listed for the business is in Thousand Oaks, California, United States. The terms and contact pages point users to the same support system and the same company contact trail (secure.yourscoreandmore.com).

Here is the thing: many people do not sign up for Yourscoreandmore as a long-term financial tool. They enter through a low-cost trial, then the account rolls into a recurring plan. The official terms say membership auto-renews at the current published rate until you cancel, and there is no minimum commitment period (secure.yourscoreandmore.com).

What users are actually paying for

The paid offer is not a one-time report. It is an ongoing membership. Based on the published plan details, users pay for full access to the company’s services, including credit score information, monitoring-style features, and guidance intended to help improve credit standing. The monthly plan starts with a 7-day trial at $1.00 (₱57), then renews at $39.94 (₱2,257) per month (secure.yourscoreandmore.com).

There are also longer plans. A 6-month membership is listed at $99.00 (₱5,594), and an annual membership is listed at $179.00 (₱10,114). For many users in the Philippines, that puts Yourscoreandmore in the expensive category for a credit information subscription, especially since free alternatives like Credit Karma and Credit Sesame exist in the same broad market segment.

How it behaves for users in the Philippines

Yourscoreandmore does not publish Philippine peso billing as its native store price. The official pricing is in US dollars, so Filipino users may see foreign transaction handling depending on the bank, card, GCash card, Maya card, or other payment method used. There is also no verified live chat, and support is handled through email, phone, and a web contact form (secure.yourscoreandmore.com).

Heads up: the process can feel frustrating when you are in the Philippines because support hours follow Pacific Time. The published schedule is Monday to Friday, 5 AM to 6 PM Pacific Time, and Saturday to Sunday, 7 AM to 3:30 PM Pacific Time. That time gap matters if you are trying to cancel right before your next billing date. The business model is simple but easy to miss: low trial fee, then automatic recurring charges until you stop the membership yourself.

How to cancel Yourscoreandmore without extra charges

Checks to do before you send any request

Many users get upset because they think one message is enough, then another charge appears. Before you cancel, log in and capture your current membership page, your billing date, and any recent payment confirmation. If your plan came from the $1.00 (₱57) trial, check the exact day that the 7-day period ends because the monthly $39.94 (₱2,257) charge can start right after that if you do nothing (secure.yourscoreandmore.com).

Save anything you may need later. Take screenshots of your account name, email address on file, last four digits of the card used, and the page that shows the plan level. If you want proof for a future bank dispute, also save the support page and the terms page you relied on when cancelling. This takes five minutes and can save you a lot of hassle.

Cancel through the website contact route

There is no verified self-service account path published like Account > Subscription > Cancel. The official website instead directs users to contact support. The clearest web route is to open the contact page and submit a cancellation request through the online form available at Yourscoreandmore contact page.

When you use the form, write a direct message with the word “Cancel” in the subject or opening line. Include your full name, account email, phone number if used on the account, and the last billing date. Ask for written confirmation that auto-renewal has been stopped. The truth is, Yourscoreandmore’s cancellation setup is more complicated than it should be because the official material points users to support channels rather than a visible in-account cancellation button.

If you use the contact form, give it a realistic handling window of 5 to 10 business days for a response trail. That does not mean you should wait until the day before billing. Send the request several days early and keep a screenshot of the submitted form. In disputes, a timestamped screenshot helps show that you acted before the renewal date.

Cancel by email or phone

The fastest documented written route is email. Send your cancellation request to [email protected] and ask for a clear reply saying your membership will not renew. A short message works best: state that you want to cancel effective immediately, include your identifying details, and request confirmation by email. This method is officially listed in the terms and contact page (secure.yourscoreandmore.com).

Phone support is available at (800) 950-8040 during business hours listed on the contact page. The schedule is Monday to Friday, 5 AM to 6 PM Pacific Time, and Saturday to Sunday, 7 AM to 3:30 PM Pacific Time (secure.yourscoreandmore.com). If you call from the Philippines, be ready for the time difference and possible international calling costs depending on your carrier.

Phone cancellation may feel faster, but it gives weaker proof unless you document it well. After the call, send an email recap to [email protected] with the date, time, and name of the representative if provided. Ask them to confirm cancellation in writing. This one extra step is often what separates a clean cancellation from a messy continued-charge complaint.

Postal mail as an extra option

If you want a paper trail, you can also send a cancellation letter to the company’s physical address. This is not the quickest route, but some users prefer it when they want stronger evidence of delivery. A modern option some consumers use instead of traditional registered mail is Postclic, which creates digital proof of sending, receipt, and opening with timestamp records.

Use mail only as a backup or parallel step, not as your only last-minute action before billing. For speed, email and the contact form are usually more practical. If you are close to renewal, send the email immediately, submit the form the same day, and keep all screenshots in one folder.

After you cancel, what changes on your account

Access and renewal status

The terms say the membership continues until cancelled and renews automatically at the then-current published rate for the term of your subscription (secure.yourscoreandmore.com). What the terms do not clearly explain is the exact cutoff for access after cancellation. Since no detailed access timeline is published, assume your paid access may continue until the end of the current paid period unless support tells you otherwise in writing.

If you do not cancel, the subscription keeps renewing. That matters most for trial users because the 7-day $1.00 (₱57) trial can convert into the monthly $39.94 (₱2,257) plan automatically. If your goal is only to test the service, cancel before the trial end date and keep proof that the request was sent on time.

Your data after cancellation

Yourscoreandmore does not clearly explain data retention after cancellation in the published terms reviewed here. In plain language, the company does not tell you how long account data stays stored after the subscription ends. Because of that gap, export or save any reports, screenshots, or account information you may want before sending the cancellation request.

If you used the service for score tracking or credit-related insights, keep copies of anything useful on your own device. Once access stops, getting old records back may be difficult. This is one of those small steps that people skip, then regret later when support response times are slow.

Refund policy and the fine print that matters

The published refund rule is strict

The official terms are blunt: all service fees are non-refundable (secure.yourscoreandmore.com). That applies to the general policy, and there is no published promise of prorated refunds for unused time. There is also no specific refund carve-out listed for billing errors in the material provided, which is why users often feel stuck once a charge posts.

In practical terms, you should not expect a refund just because you forgot to cancel. Most complaints about this type of service start with the trial converting into a full charge, then the customer learns that the company treats fees as non-refundable. If you are still within the trial period, cancellation before the conversion date matters far more than trying to negotiate a refund later.

Your rights in the Philippines and how they fit this service

For Filipino consumers, subscription complaints are generally handled under the Consumer Act of the Philippines, Republic Act No. 7394, through the Department of Trade and Industry or DTI. There is no universal cooling-off period for all online subscriptions in the Philippines, which means Yourscoreandmore’s own terms can end up shaping the real outcome unless the charge was unauthorized, misleading, or improperly disclosed.

There is a 7-working-day cooling-off concept for some door-to-door or direct sales situations, but that does not automatically apply to every online subscription. For an online service like Yourscoreandmore, your strongest argument usually comes from proof that the renewal terms were unclear, the charge was unauthorized, or you cancelled before renewal and were still billed.

How to request a refund anyway

Even with a non-refundable policy, you can still ask. Use email first because it creates the best written record. Send the request to [email protected], include the transaction date, amount charged, last four digits of the card, and attach screenshots of your cancellation request if you sent one earlier.

Use the contact form on the official support page on the same day, and if the amount is significant to you, call (800) 950-8040 during support hours to ask for escalation. Be direct and factual. If the issue is a duplicate charge, a charge after cancellation, or an unauthorized charge, say that clearly in the first sentence. Those cases are stronger than a simple change-of-mind request.

Chargeback and payment disputes in the Philippines

If support refuses and you believe the charge was unauthorized or continued after cancellation, contact your bank, card issuer, GCash, or Maya and ask about a charge dispute or chargeback. Under BSP complaint practices, cardholders often have up to 60 days from the statement date to dispute a transaction. Save screenshots of the cancellation confirmation, your emails, and the billing entry on your statement.

For Philippine users, DTI can take consumer complaints involving online subscriptions under RA 7394, while BSP is relevant for payment disputes with regulated financial institutions. Use chargeback as a last resort when you have evidence and the merchant support route has failed. It is especially useful when a charge appears after you already cancelled in time.

Subscription terms that can catch you off guard

Auto-renewal and no minimum lock-in

The core clause says membership automatically renews at the then-current published rate for the term of your subscription until cancelled (secure.yourscoreandmore.com). That means the plan does not simply expire on its own. It keeps running unless you actively stop it through support.

The same terms say there is no minimum commitment. On paper, that sounds flexible. In reality, it means freedom to leave, but only if you remember to cancel before the next billing cycle starts. Miss the date, and the next charge can still go through under the auto-renewal setup.

The trial conversion is the main trap point

The trial terms are very specific. Yourscoreandmore offers a 7-day trial for $1.00 (₱57), and after that the membership automatically continues at $39.94 (₱2,257) per month until cancelled (secure.yourscoreandmore.com). If you signed up quickly while applying for a loan or checking credit information, this is the part to review right away.

Many negative user comments line up with this pattern: a low trial price, then a much larger recurring fee. If you are reading this while still in the trial period, cancel now, not on the final day at night. The time zone difference between the Philippines and Pacific Time can work against you.

Law and missing details in the terms

The terms say the applicable law is the United States of America (secure.yourscoreandmore.com). For a Filipino customer, that does not cancel your local rights when you are dealing with payment disputes, consumer complaints, or misleading billing issues in the Philippines. It simply means the company’s contract language is written from a US business perspective.

Two important points are not clearly explained in the terms reviewed here: data retention after cancellation and dispute resolution procedure. Because those details are missing, your safest move is to keep your own records, export what you need before cancelling, and store support confirmations for at least 60 days after the last charge.

Yourscoreandmore plans and pricing in Philippine peso

Current subscription plans

Prices are approximate, converted from USD at 1 USD ≈ 56.5 PHP. Check the official Yourscoreandmore pages for exact current pricing and any local bank conversion charges.

Which plan costs most and which saves more

The annual membership is the biggest upfront payment at $179.00 (₱10,114), while the monthly plan has the highest recurring monthly cost at $39.94 (₱2,257). If you compare twelve months of the monthly plan, the total would be about $479.28 (₱27,080), so the annual plan is much cheaper over a full year.

The 6-month plan also undercuts the monthly option. Six monthly payments would total about $239.64 (₱13,540), while the 6-month membership is listed at $99.00 (₱5,594). That is a substantial saving, but only if you truly want long-term access. If you signed up only for a trial, even the cheapest long-term plan is still more expensive than cancelling on time.

Billing notes that matter before renewal

No separate cancellation fee or early termination fee was found in the terms reviewed here. That is the good news. The less friendly part is auto-renewal and the non-refundable fee policy. In real life, that means the main money risk is not a cancellation penalty but forgetting the renewal date.

Because the official pricing is in US dollars, Philippine users should also watch for foreign exchange movement and possible card conversion charges. The listed peso figures here are estimates only. Your bank may post a slightly different peso amount on the day the charge is settled.

Your rights in the Philippines if cancellation goes wrong

Rules that matter for a subscription like this

For a Philippine customer using Yourscoreandmore, the key consumer law is the Consumer Act of the Philippines or Republic Act No. 7394. If the service was marketed in a confusing way, if charges continued after cancellation, or if billing disclosures were unclear, you can raise the issue with DTI. This matters because the company’s own terms say fees are non-refundable, but local consumer protection still applies to unfair or deceptive practices.

There is no blanket online cooling-off rule that automatically gives every Filipino subscriber 7 or 14 days to reverse any digital subscription. That is why your documentation is so important. If you cancelled before renewal and were still billed, your evidence can be stronger than a general “I changed my mind” claim.

Cooling-off and withdrawal in plain language

The 7-working-day cooling-off period often mentioned in Philippine consumer discussions is mainly tied to door-to-door or direct sales situations. For online subscriptions like Yourscoreandmore, there is no universal statutory right that works the same way in every case. So if you joined through the website and the trial converted, the practical focus becomes timing, disclosure, and proof.

If the sign-up flow was misleading, or if a charge was processed without proper consent, you still have a path to complain. This is where screenshots of the trial offer, cancellation request, and billing entry become useful. DTI tends to look at the actual facts of the transaction, not just the company’s preferred wording.

How to file a complaint in the Philippines

Start by trying the merchant route once in writing through [email protected] and the official contact form. If that fails, prepare a short complaint summary with dates, amounts, screenshots, and the exact result you want, such as stopping future charges or reversing a post-cancellation charge. Mention RA 7394 when writing to DTI because it frames the complaint as a consumer protection issue.

You can file through DTI’s consumer channels online, and for payment-side issues you can also contact your card issuer, GCash, Maya, or bank. If the bank refuses to handle a clear unauthorized or continued charge dispute, BSP complaint channels may help for regulated financial institutions. Use the merchant support page as your official service link and DTI as your local authority reference.

Useful authority contacts

For Yourscoreandmore complaints in the Philippines, the main consumer authority is the Department of Trade and Industry. Use DTI for online subscription disputes and billing complaints under RA 7394. For bank or e-wallet dispute handling problems, BSP may also be relevant.

• Department of Trade and Industry
• Bangko Sentral ng Pilipinas

If your case involves a charge after cancellation, include the cancellation timestamp and your statement date. Those two facts usually decide whether your complaint looks strong or weak.

What customers say about the cancellation experience

Overall verdict from available reviews

Based on the review set provided here, cancellation looks difficult rather than easy. The sentiment trend is 0 positive and 5 negative out of 5 unique reviews. The recurring complaints are familiar to many Philippine users too: unclear cancellation steps, continued charges after cancellation attempts, and refunds that do not materialize.

To stay balanced, the service does at least publish a support email, phone number, and contact page, which is better than having no visible support path at all. Still, the review pattern suggests the real-world experience can be stressful, especially for trial users who do not realize how quickly the recurring fee kicks in.

Recurring themes in user feedback

Individual user quotes

• "I was applying for a small loan, and was tricked into signing up for $1 [about ₱57]. Cancelling it required me to sit on a phone call for 10 mins to accomplish this." (TrustPilot)
• "I would rate it a zero if I could. This sneaky place tries every night to charge my PayPal card $2.65 [about ₱150]." (TrustPilot)
• "SCAM ALERT... DO NOT SIGN UP FOR A FREE TRIAL EITHER. EVEN IF YOU'RE GOING TO CANCEL THEY WILL CHARGE YOU ALMOST $50 [about ₱2,825] and you CANNOT get a refund." (TrustPilot)
• "It’s absolutely BS that they make you talk with a representative to cancel your membership instead of providing that option online..." (TrustPilot)
• "These folks are a bunch of scammers. I now have to cancel my debit card because of their unauthorized charges." (TrustPilot)

Documents to prepare before and after your request

What to save before cancelling

Prepare a small evidence folder before you contact support. Save a screenshot of your plan page, the trial or membership offer, and the date of your next billing cycle. If the account shows your email address or member ID, capture that too.

• Plan or membership screenshot
• Billing date screenshot
• Trial offer screenshot
• Account email or member ID

What you need for a refund or dispute

If you are asking for a refund or challenging a charge, be specific. Include the transaction date, the exact amount such as $39.94 (₱2,257), and the payment channel used. Banks and e-wallets move faster when your evidence is organized.

• Bank or card statement entry
• Transaction ID if available
• Cancellation email copy
• Contact form screenshot

What to keep after support replies

Do not delete the confirmation once support answers. Save the message that states cancellation has been processed and make a screenshot in case the email later disappears. Monitor the next 60 days of statements if you used a card, GCash, or Maya-linked payment source.

• Cancellation confirmation email
• Call log with date and time
• Screenshot of no-renewal status
• Next statement showing no charge

Common cancellation mistakes that lead to more charges

Waiting until the trial is almost over

The classic mistake is treating the $1.00 (₱57) trial like a harmless one-off purchase. It is not. The terms say it converts to $39.94 (₱2,257) monthly after 7 days unless cancelled (secure.yourscoreandmore.com). If you wait until the last evening in Philippine time, support may still be operating on Pacific Time and your message may land too late.

The fix is simple: cancel at least several days before the renewal date. If you signed up today, put two reminders in your calendar immediately.

Calling only once and keeping no written proof

Some users rely on a phone call, then have nothing to show if another charge appears. Reviews mention hold times and difficult call experiences, which makes this especially risky. A phone call can help, but it should never be your only record.

After every call, send a follow-up email to [email protected] summarizing the conversation. That written recap can support a bank dispute later.

Expecting an automatic refund after cancellation

Another common mistake is assuming cancellation reverses the last charge. The terms say all service fees are non-refundable (secure.yourscoreandmore.com). So cancellation stops future billing, but it does not promise to return money already taken.

If your case is about unauthorized billing or a charge after cancellation, frame it that way. That gives you a stronger complaint than a basic refund request.

Using only one support channel when the deadline is close

If your renewal is near, one email may not be enough for peace of mind. Since the official support paths include email, phone, and contact form, use more than one channel on the same day. This is not overkill when the next charge is around $39.94 (₱2,257).

A practical combo is email plus contact form, then phone if you need same-day reassurance. Save proof for every step.

Ignoring small repeated charges

One review mentioned repeated attempts of $2.65 (about ₱150), which shows why small charges should not be ignored. A tiny amount can be a warning sign of a merchant testing whether the payment source still works. The longer you wait, the harder your timeline may be to prove.

If you spot any new billing after cancellation, report it right away to the merchant and your payment provider. Fast action gives you the best shot at a successful reversal.

A side-by-side recap of the cancellation methods

Comparison table

Key takeaway for choosing a route

Email is the fastest documented written option. The contact form gives another web-based paper trail, while phone can be useful if billing is very close and you need same-day contact. No cancellation fee was found in the terms, so your main goal is speed and proof, not avoiding a penalty.

If you are choosing under pressure, go with the route that leaves the clearest record for your situation. In practice, many users will feel safest using email and the contact form together, then adding a phone call if support does not respond fast enough.

What to do after cancellation so the issue stays closed

Immediate checks right after support confirms

Once you get confirmation, screenshot it immediately and store it in cloud storage or email it to yourself. Set a reminder for your next expected billing date and another one 30 days later. These two reminders catch both immediate errors and delayed rebills.

If support does not send a clear confirmation, reply and ask a direct question: “Please confirm that auto-renewal is turned off and that no further charges will be made.” You want a yes-or-no answer, not a vague support note.

Watch your bank, card, GCash, or Maya statement

Monitor statements for at least 60 days after the last expected charge. In the Philippines, users can dispute unauthorized or continued charges through their bank, card issuer, GCash, or Maya, and BSP-related complaint channels may help if a regulated provider mishandles the dispute. Keep all screenshots because evidence matters.

If a new charge appears after cancellation, contact the merchant once more in writing, then file a dispute quickly. Mention the statement date because dispute windows often run from that date, and 60 days is a useful practical benchmark for many card complaints.

Alternatives if you still want credit monitoring

If you are leaving Yourscoreandmore but still want similar tools, free options like Credit Karma and Credit Sesame are worth a look. If you want a larger paid package, Experian offers broader credit and identity products, with pricing in the range of $24.99 to $39.99 per month, or about ₱1,412 to ₱2,260 depending on conversion.

TransUnion and Equifax also sell monitoring services, each typically around $19.95 to $24.95 per month, or roughly ₱1,127 to ₱1,410. Compare features carefully because a higher fee does not always mean better value for a casual user.

Useful links

• Yourscoreandmore contact page
• Yourscoreandmore terms of use
• Department of Trade and Industry
• Bangko Sentral ng Pilipinas

Where to send a mailed cancellation request

Physical cancellation address

If you want to send a mailed request, use the company address associated with the service:

• 310 North Westlake Blvd., Suite 200, Thousand Oaks, CA 91362, United States

Include your full name, account email, phone number used on the account, the last charge amount, and a short statement that you are cancelling the membership and revoking future renewal authorization.

How to use the address without slowing yourself down

Mail is best treated as an extra proof layer, not your only urgent step. If the billing date is near, send the email and contact form request on the same day and use the mailing address as backup. That way you are not depending on international delivery time from the Philippines to the United States.

For most users, the practical route is digital first, paper second. The support email, official form, and your screenshots will usually matter more than waiting for a letter to arrive.