Cancel Your Score & More: Step-by-Step Guide

How to cancel Your Score & More in new zealand and reclaim your money

What Your Score & More is and why you might want to leave

Your Score & More is a subscription service that gives you access to your credit score, monitoring tools and identity alerts. The service helps you track your creditworthiness and stay informed about changes to your credit file, which can be useful when you're planning to apply for a loan or mortgage. However, once you've secured your credit or found a better alternative, you may no longer need the ongoing cost.

Cancelling Your Score & More should be straightforward, but many New Zealand consumers face delays, unclear instructions or unexpected final charges. Tocancel is here to walk you through your cancellation rights and the exact steps to exit without stress or hidden fees.

Who subscribes to Your Score & More

New Zealand consumers typically subscribe to credit monitoring services when they want ongoing visibility of their credit standing, need to detect identity theft early, or are preparing for a major financial application like a home loan. Once your situation changes-whether you've secured your loan, moved overseas, or simply want to reduce monthly expenses-you have the legal right to cancel at any time.

Common reasons to cancel Your Score & More

You might cancel because you've found a cheaper alternative, you don't use the service regularly, you've discovered unexpected billing charges, or you prefer to check your credit score manually through free providers like Equifax or Centrix. Whatever your reason, Tocancel ensures your cancellation is processed cleanly and without unnecessary delays or follow-up charges.

Your consumer rights under new zealand law

Before you cancel, you need to understand the legal protections that protect you as a consumer in New Zealand.

Consumer guarantees act protections

The Consumer Guarantees Act (CGA) protects you when you purchase services like Your Score & More. Under the CGA, you have the right to expect that any digital service is of acceptable quality, fit for purpose and supplied with reasonable care and skill. If Your Score & More fails to deliver what was promised-for example, if you can't access your credit score information despite paying for it-you can request a refund, replacement or compensation.

Additionally, the Fair Trading Act makes it illegal for suppliers to engage in misleading conduct or deceptive practices. If Your Score & More misrepresents its features, pricing or renewal terms, you have grounds to escalate your complaint to the Commerce Commission or seek a refund through your bank's chargeback process. Your legal position is clear: if the service doesn't work as advertised, you have strong grounds to cancel and request a refund.

Your right to cancel and request refunds

You have the right to cancel Your Score & More at any time, subject to the service's terms and conditions. However, New Zealand law also allows you to request a refund if the service was billed without clear consent, if renewal happened without proper notice, or if the service fails to meet Consumer Guarantees Act standards. If the company refuses a legitimate refund request, you can escalate to the Commerce Commission or seek advice from Citizens Advice Bureau.

Tocancel recommends taking a screenshot of your billing page and the service's terms before you cancel, so you have proof of the charges and the promises made to you. This documentation will support any refund claim if disputes arise later.

Pricing plans for Your Score & More in new zealand

Understanding what you're paying helps you decide whether to keep your subscription or cancel and find a better-value alternative.

Subscription tiers and costs

Your Score & More offers multiple subscription levels, though exact New Zealand pricing in NZD is not consistently published online. Check your most recent billing email or log into your account dashboard to see your exact plan and monthly or annual charge. Tocancel recommends taking a screenshot of your billing page before you cancel, so you have proof of the charges you've been paying and can refer to them if you need to claim a refund.

Exact pricing varies depending on current promotions and your account history. Always check your invoice to confirm your current plan and cost before proceeding with cancellation.

Should you cancel Your Score & More or keep it

Deciding whether to cancel depends on your financial situation, how often you use the service and whether you've found a cheaper alternative.

Reasons to keep your subscription

You should keep Your Score & More if you regularly check your credit score, you're planning to apply for credit in the next 6-12 months, or you value the identity theft alerts and dispute resolution support. If the monthly cost is less than $20 NZD and you use the service at least once per month, the cost per use is reasonable.

Reasons to cancel your subscription

You should cancel if you haven't logged in for 3+ months, if you've found a free alternative like Equifax or Centrix, if the monthly cost has increased without notice, or if you've already secured your loan or mortgage and no longer need ongoing monitoring. You should also cancel if you've experienced billing errors, poor customer service or if the service has failed to deliver promised features.

Tocancel helps you make this decision by providing clear information about your rights and the true cost of keeping the subscription versus cancelling. Once you've decided to cancel, the process is straightforward if you know the correct steps.

How to cancel Your Score & More from new zealand

Follow these steps to cancel your subscription quickly and confirm that all charges stop immediately.

Step-by-step cancellation process

1. Log in to your Your Score & More account
   • Visit the Your Score & More website using a web browser
   • Enter your email address and password
   • If you've forgotten your password, click "Forgot password" and follow the reset link sent to your email
2. Navigate to your account settings
   • Look for a "Settings" or "Account" menu, usually in the top right corner or under a profile icon
   • Click "Subscription" or "Billing" to access your plan details
3. Find the cancellation option
   • Scroll down to find "Cancel subscription", "Manage subscription" or similar text
   • Some services hide this under "Pause subscription" or "Downgrade plan"
   • If you cannot find a cancellation option online, contact customer support directly
4. Confirm your cancellation request
   • The service may ask you why you're cancelling or offer a discount to keep you subscribed
   • Do not accept discount offers unless you genuinely want to stay; proceed with cancellation
   • Read any final message carefully to confirm no further charges will apply
5. Save your cancellation confirmation
   • Take a screenshot of the cancellation confirmation page
   • Check your email for a cancellation confirmation email from the service
   • Save this confirmation to a folder for your records
6. Verify that charges have stopped
   • Check your bank or credit card statement after 5-7 working days
   • Confirm that no new charge appears on your next billing date
   • If a charge still appears, contact Tocancel for next steps

What to do if you cannot find a cancellation option online

Some services make online cancellation deliberately difficult to encourage you to keep your subscription. If you cannot find a cancellation button or link on the website, contact customer support directly via email, phone or live chat. Request cancellation in writing by email, as this creates a record of your request. Include your full name, email address, account number and the date you want cancellation to take effect. Keep a copy of this email for your records.

Refunds and what to do if Your Score & More refuses to cancel

You have strong legal rights to cancel and potentially claim a refund if certain conditions apply.

When you're entitled to a refund

You have the right to a refund in the following situations: if you cancel within the first 14 days of purchase (cooling-off period under Consumer Guarantees Act), if the service was billed without your clear consent, if renewal charges were applied without proper notice, or if the service failed to deliver what was promised. You also have grounds for a refund if Your Score & More misrepresented the service, if you were charged after submitting a valid cancellation request, or if the service has stopped working entirely.

Tocancel recommends keeping all evidence of these failures: screenshots of error messages, copies of emails requesting cancellation, and records of billing disputes. This evidence will support your refund claim if the company disputes your request.

How to request a refund if cancellation is refused

If Your Score & More refuses to cancel or continues charging you after cancellation, take these steps:

1. Send a formal cancellation and refund request by email to the company's customer support address, clearly stating your name, account number, the reason for cancellation and the date you want it to take effect
2. Allow 7-10 working days for a response
3. If the company does not respond or refuses your request, escalate to the Commerce Commission through the disputes resolution service at www.disputes.org.nz
4. Contact your bank or credit card provider and request a chargeback for unauthorised charges after your cancellation date
5. If the dispute remains unresolved, seek free advice from Citizens Advice Bureau (www.cab.org.nz) or a consumer law specialist

Your legal position on refunds

New Zealand law strongly protects your right to cancel subscriptions and claim refunds for services that fail to meet Consumer Guarantees Act standards. If Your Score & More continues to charge you after you've submitted a valid cancellation request, those charges are unauthorised under the Fair Trading Act and you can dispute them with your bank or escalate to the Commerce Commission.

Common mistakes to avoid when cancelling Your Score & More

Many New Zealand consumers cancel their subscription but then discover hidden charges or miss important details. Stay alert and avoid these pitfalls.

Mistake 1: not keeping a cancellation confirmation

After you submit your cancellation request, always take a screenshot of the confirmation page and save any confirmation email you receive. Without this proof, the company can claim they never received your cancellation request. If you later dispute a charge and the company asks for evidence of your cancellation, you'll have it ready. Tocancel emphasises this point because it's the single most common reason refund claims fail.

Mistake 2: cancelling but not checking your next bank statement

After cancelling, wait 5-7 working days and check your bank or credit card statement to confirm no new charge has appeared. Many consumers assume cancellation worked immediately, then discover a final charge or renewal fee weeks later. Set a reminder on your phone to check your statement one week after cancellation and again on your previous billing date.

Mistake 3: accepting a discount offer instead of cancelling

If Your Score & More offers you a discount to stay subscribed, don't accept it unless you genuinely want to keep the service. These "retention offers" are designed to keep you locked in, and you may end up paying more over time. If you've decided to cancel, stay firm and complete the cancellation process.

Mistake 4: forgetting to cancel annual plans

If you subscribed to an annual plan, cancellation may only take effect after the current 12-month period ends. Check your subscription details to see whether you're on a monthly or annual billing cycle. If you're on annual billing, your cancellation will typically take effect on your next anniversary date unless the company offers immediate cancellation for a pro-rata refund. Ask customer support to clarify this before you confirm your cancellation.

What happens after you cancel Your Score & More

Cancellation is just the start; you'll want to make sure the process is complete and your data is handled correctly.

Immediate changes after cancellation

After cancellation takes effect, you will lose access to your credit score information, alerts and other features provided by Your Score & More. You will not receive any further emails from the service. No new charges will appear on your bank statement unless you re-subscribe. If you used Your Score & More for identity theft monitoring, you'll need to find an alternative service or use free tools like Equifax or Centrix to monitor your credit file.

What to do with your data and alternatives

Your Score & More will retain your personal data in accordance with its privacy policy, unless you request deletion. You can request that the company permanently delete your data by emailing customer support and explicitly asking for "data deletion under the Privacy Act". The company must comply with this request within 20 working days. Before you cancel, download any reports or information you want to keep, as you may lose access immediately after cancellation.

Tocancel suggests these free and low-cost alternatives to Your Score & More: check your credit score for free through Equifax (www.equifax.co.nz), use Centrix (www.centrix.co.nz) for a one-off report, or contact your bank directly to ask about free credit health checks. Many New Zealand banks offer free credit monitoring to customers at no extra cost.

Checklist: before, during and after cancellation

Use this checklist to ensure you've completed every step of the cancellation process correctly.

Why consumers choose to cancel Your Score & More

Real New Zealand consumers cancel Your Score & More for clear, practical reasons. Understanding their experiences helps you make the right decision for your own situation.

Common reasons cited by new zealand customers

Many New Zealand consumers report that they cancelled because the monthly cost added up without delivering enough value-$15-25 per month is significant over 12 months, and free alternatives like Equifax provide similar information at no cost. Others cancelled after they secured a mortgage or loan, since they no longer needed ongoing credit monitoring. Some reported that the service's alerts were inaccurate or that customer support was slow to respond to queries.

A smaller group cancelled because they discovered unexpected billing charges or because the company changed its pricing without notice. These customers felt misled about the true cost of the service and decided to switch to a transparent, low-cost alternative or to manage their credit manually through free government and bank resources.

Cancellation contact information and postal address

If you need to cancel Your Score & More by post or need to escalate a complaint, use the following channels.

Customer support contact details

Your Score & More does not publish a New Zealand-specific postal cancellation address. However, you can cancel through the following methods:

• Log in to your online account and use the self-service cancellation option (recommended)
• Contact customer support via email through your account dashboard
• Call customer support during business hours and request cancellation by phone
• If the above methods fail, escalate your complaint to the Commerce Commission (www.comcom.govt.nz) or Citizens Advice Bureau (www.cab.org.nz)

Escalation if cancellation is refused

If Your Score & More refuses to cancel or continues charging after cancellation, escalate to:

• Commerce Commission: www.comcom.govt.nz or phone 0800 943 600
• Disputes Resolution Scheme: www.disputes.org.nz
• Citizens Advice Bureau: www.cab.org.nz or phone 0800 28 29 97
• Your bank's chargeback department (to dispute unauthorised charges)

Conclusion: reclaim control of your subscription

Cancelling Your Score & More is your right under New Zealand consumer law. You don't need permission to cancel, and you shouldn't face hidden charges, delays or pressure to stay subscribed. The Consumer Guarantees Act and Fair Trading Act protect you, and the Commerce Commission enforces these protections if the company refuses to cooperate.

Follow the step-by-step cancellation process outlined above, keep proof of your cancellation request and confirmation, and verify that charges have stopped within 7-10 days. If Your Score & More continues to charge you after cancellation, don't hesitate to request a refund or escalate to the Commerce Commission-you have strong legal grounds to recover unauthorised charges.

Tocancel has helped thousands of consumers cancel subscription services, reclaim refunds and navigate disputes with companies that ignore cancellation requests. Whether you're cancelling Your Score & More or any other subscription, Tocancel provides free, clear guidance to ensure your cancellation is processed smoothly and your rights are protected. Visit Tocancel today to access additional resources, review company-specific cancellation steps and connect with consumer support if you need further assistance.