Cancel Clearscore: The Right Way

How to cancel ClearScore in new zealand and stop unwanted charges

Why you might want to cancel ClearScore

ClearScore offers free access to your credit score and report in New Zealand, alongside an optional paid service called Protect Plus that adds identity monitoring and fraud protection. If you subscribed to Protect Plus and now want to step back, you have the right to cancel without unnecessary friction. At Tocancel, we help New Zealand consumers understand their cancellation rights and execute them confidently, and ClearScore is no exception.

What ClearScore does

ClearScore pulls your credit data from third-party sources and displays it transparently, along with tools and tips to help you improve your credit score. The core credit score check is completely free. Protect Plus is the paid upgrade that monitors the dark web for identity theft, tracks credit changes in real time, and offers additional protection features. You can choose monthly or annual billing, depending on what fits your budget.

Why cancelling matters to your wallet

Monthly subscriptions add up fast. If you're no longer using Protect Plus, or you've found a better alternative, cancelling stops the charges immediately and gives you back control of your spending. Understanding your options now means you won't face unwanted charges in your next billing cycle. Tocancel exists to ensure you cancel on your terms, not the company's terms.

Your consumer rights when cancelling with ClearScore

New Zealand consumer protection law gives you specific rights when dealing with subscription services like Protect Plus.

Consumer guarantees act protections

Under the Consumer Guarantees Act 1993, services supplied to you must be of acceptable quality and fit for purpose. If Protect Plus fails to deliver what ClearScore promised, or stops working properly, you have a right to seek remedies including repair, replacement, or refund. This is your legal position: the service must do what it says it will do. However, the Act does not automatically grant a refund simply because you change your mind or no longer want the service. Tocancel recommends documenting any service failures in writing before you cancel, as this strengthens your position if you need to escalate a complaint to the Commerce Commission later.

What the law does not guarantee

New Zealand law differs from the UK (which allows 14 days of cooling-off) and South Africa (which allows 7 days). This means once you've paid for your monthly or annual Protect Plus plan, ClearScore is not legally required to refund unused time unless there's a genuine service failure or breach of contract. That said, it's always worth asking if they'll make a goodwill gesture, especially if you cancel within a few days of your first charge. Many companies will refund if you ask politely and promptly.

How to cancel ClearScore depending on where you subscribed

Your cancellation method depends entirely on which platform processed your payment: ClearScore's website, Apple, or Google Play.

Cancelling via the ClearScore website

This is the most common path and the one ClearScore prefers because it keeps the transaction within their ecosystem. Follow these steps carefully to ensure your cancellation goes through without delay.

1. Open the ClearScore website or mobile app and log in with your email and password.
   • Make sure you're using the correct account if you have more than one.
   • If you've forgotten your password, use the "Forgot password" link on the login page before you start.
2. Tap or click on the "Protect" tab or menu option.
   • This navigates you to your Protect Plus subscription details.
   • On the mobile app, this is usually at the bottom of the screen or in the main menu.
3. Select "My Account" from the Protect menu.
   • You'll see your current subscription status and billing date.
   • Check the renewal date so you know when your final charge will occur.
4. Look for a "Cancel subscription" or "Manage subscription" button.
   • This button is typically displayed prominently on the My Account page.
   • Click or tap it immediately.
5. Follow the on-screen prompts to confirm your cancellation.
   • ClearScore may ask why you're cancelling; you do not have to answer, but feedback helps them improve.
   • Read the final confirmation message carefully to confirm the exact end date of your access.
6. You should receive a confirmation email within minutes.
   • Save this email as proof of cancellation.
   • If you don't receive one within 24 hours, log back in to verify the cancellation took effect.

Cancelling via the ClearScore website is the fastest and most transparent method, and Tocancel strongly recommends this route because you have instant confirmation and a clear audit trail.

Cancelling an apple subscription

If you subscribed to Protect Plus through the Apple App Store, you must cancel through your Apple account, not through ClearScore's website. ClearScore cannot cancel Apple subscriptions on your behalf.

1. On your iPhone, iPad, or Mac, open the Settings app.
   • On Mac, click System Settings.
   • On iPhone or iPad, tap Settings at the bottom or top of the screen.
2. Tap or click on your Apple ID at the top of the Settings menu.
   • This opens your Apple Account page.
   • If you don't see your name, you may not be signed in.
3. Select "Subscriptions" from the menu.
   • You'll see a list of all your active App Store subscriptions.
   • Scroll down to find ClearScore Protect Plus.
4. Tap on ClearScore Protect Plus.
   • A details screen will open showing your renewal date and price.
   • Do not confuse this with other ClearScore subscriptions if you have multiple.
5. Tap "Cancel subscription" or "Delete" at the bottom of the screen.
   • Apple will ask you to confirm; select "Confirm" or "Yes".
   • Your subscription will end on the next billing date, not immediately.
6. You'll receive an email confirmation from Apple within minutes.
   • Save this as your proof of cancellation.
   • Your access to Protect Plus will continue until the end of your paid period.

Apple subscriptions continue until the end of your current billing cycle, so you won't lose access on the day you cancel.

Cancelling a google play subscription

If you subscribed through Google Play, you must cancel through your Google account, not through ClearScore. Google Play handles the billing, so ClearScore cannot process the cancellation for you.

1. On your Android phone or tablet, open the Google Play Store app.
   • Tap the profile icon in the top right corner.
   • If you don't see a profile icon, you may not be signed into Google Play.
2. Tap "Manage subscriptions" from the menu.
   • This opens a list of all your active Play Store subscriptions.
   • Scroll down to find ClearScore Protect Plus.
3. Tap on ClearScore Protect Plus.
   • The subscription details page will open.
   • You'll see your renewal date and the amount you pay.
4. Tap "Cancel subscription" at the bottom of the page.
   • Google will ask you for a reason; you do not have to answer, but feedback is optional.
   • Confirm the cancellation when prompted.
5. Google will send you a confirmation email.
   • Save this email as proof of cancellation.
   • Your access continues until the end of your billing period.

Google Play subscriptions remain active until your paid period ends, so you'll retain access to Protect Plus until that date.

What happens after you cancel ClearScore

Cancelling Protect Plus does not immediately delete your account or credit history with ClearScore. You retain access to the free credit score check for as long as your account remains active.

Your access after cancellation

Once you cancel Protect Plus, you lose access to the premium features (dark web monitoring, real-time credit alerts, and identity theft insurance) from the next billing date onwards. Your free credit score check remains available. Your credit data stays in ClearScore's system and is not deleted automatically. If you want to delete your entire ClearScore account, you must request this separately.

Requesting account deletion

If you want to delete your entire ClearScore account and have your personal data removed, contact ClearScore directly via the contact details listed at the end of this guide. Under the Privacy Act 2020, you have the right to request deletion of your personal information in certain circumstances. ClearScore must respond to your request within 20 working days. Tocancel recommends making this request in writing so you have a paper trail.

Refunds and unused credit

Whether you receive a refund depends on when you cancel and the specific terms of your subscription.

Monthly billing

If you cancel mid-month, ClearScore is not legally required to refund the unused portion of your monthly fee under New Zealand consumer law. However, ask them directly within 7 days of your charge. Many companies will refund as a goodwill gesture if you ask promptly and politely. Your best chance of a refund is if you cancel within 7 days of your first charge or if you can show a service failure.

Annual billing

Annual subscriptions are trickier. If you cancel partway through an annual plan, ClearScore is unlikely to refund unused months. However, if you can demonstrate that the service failed to meet the quality or fitness standards promised under the Consumer Guarantees Act, you have stronger grounds to request a refund. In this case, contact the Commerce Commission (the New Zealand regulator) if ClearScore refuses.

Automatic refund eligibility

If ClearScore refuses a refund you believe you're entitled to, you can escalate to the Commerce Commission (comcom.govt.nz) or seek independent dispute resolution through your bank.

Pricing and subscription options

Understanding what you're paying for helps you decide whether cancellation is the right choice.

If you only need your free credit score, you don't need to cancel your entire account, just the Protect Plus add-on. If Protect Plus doesn't align with your needs, cancelling makes financial sense.

Common mistakes to avoid when cancelling

Cancellation can feel stressful, especially if you're worried about being charged again. Here are the pitfalls that catch out many New Zealand consumers.

Mistake 1: thinking you cancelled when you didn't

The most common error is abandoning the subscription without confirming the cancellation went through. Simply closing the app or browser does not cancel your subscription. You must receive a confirmation email or see a confirmation message on screen. Log back into your account within 24 hours to verify the subscription status changed to "Cancelled" or "Inactive".

Mistake 2: cancelling the wrong subscription

If you have both a ClearScore website subscription and an Apple or Google Play subscription, you have two separate subscriptions tied to two different payment methods. Cancelling one does not cancel the other. Check all three places (ClearScore website, Apple, Google Play) and cancel only the ones you actually use. Tocancel recommends taking a screenshot of each active subscription before you cancel, so you know exactly what you're dealing with.

Mistake 3: forgetting to save your confirmation

If ClearScore disputes whether you cancelled, your confirmation email is your proof. Save it to a folder or take a screenshot. Many consumers lose their proof within weeks and find themselves arguing with customer support about whether they ever cancelled at all.

Mistake 4: not checking if you're still being charged

After cancellation, check your bank or credit card statement on the next billing date to confirm no charge appeared. If a charge still appears after your cancellation date, contact ClearScore immediately with proof of your cancellation. If they refuse to refund, escalate to your bank or the Commerce Commission.

Mistake 5: cancelling via email without confirmation

Never rely on an email request to cancel your subscription. Use the in-app or website method, which generates an instant, logged confirmation. If you email customer support instead, they may claim they never received your request. Tocancel always recommends using the self-service cancellation option within your account.

How to escalate if ClearScore refuses to cancel

If you've followed the cancellation steps above and ClearScore doesn't process your request, you have clear recourse.

Your escalation path

First, contact ClearScore directly in writing (email or letter) with a clear, factual description of what you did and when you did it. Include screenshots or your confirmation email. Give them 10 working days to respond. If they ignore you or refuse, escalate to the Commerce Commission (comcom.govt.nz), which is the government regulator responsible for enforcing consumer protection in New Zealand. You can also contact your bank and ask them to reverse the charge if you've been billed without consent after your cancellation date. Tocancel recommends documenting every step in writing so you have a clear record if you need to involve a third party.

Cancellation checklist

Use this checklist to ensure you've cancelled correctly and won't be caught off guard by unwanted charges.

Contact details for ClearScore new zealand

If you need to contact ClearScore for support, escalation, or account deletion, use the following details.

ClearScore Limited (New Zealand)
Registered office: ClearScore operates in New Zealand under regulatory oversight. Contact ClearScore via their website support portal or customer service email for the most direct response.

For formal complaints or requests related to data deletion, you can also contact the Privacy Commissioner (privacy.org.nz) if you believe your personal information has not been handled in line with the Privacy Act 2020.

Why choosing tocancel helps you cancel with confidence

Cancelling a subscription should not feel like a battle. You've paid for Protect Plus, and if you no longer want it, you have the right to stop the charges and walk away cleanly. Understanding your consumer rights under New Zealand law-and knowing exactly what to do when a company resists-puts the power back in your hands. Tocancel has helped thousands of New Zealand consumers cancel unwanted subscriptions, dispute unfair charges, and recover refunds they were entitled to. The same rights that protect you in a shop or restaurant protect you when you cancel online. If ClearScore refuses to process your cancellation or refund, the Commerce Commission exists to enforce those rights on your behalf.

Visit Tocancel today to find step-by-step guides for cancelling hundreds of other subscriptions and services across New Zealand. You're not alone in this, and you can cancel with confidence.