Cancel Yourscoreandmore: The Right Way

How to cancel your Yourscoreandmore subscription from new zealand

What is Yourscoreandmore and why you might want to leave

Yourscoreandmore is a US-based credit monitoring and credit reporting service that operates on automatic renewal. The company offers monthly, six-monthly, and annual membership plans, all charged in US dollars. When you sign up, your trial period is free, but automatic billing begins the moment your trial ends unless you cancel beforehand.

Many New Zealand users experience unexpected charges because cancellation pathways are deliberately obscured on the website. Tocancel has assisted thousands of New Zealand consumers through subscription entanglement, and Yourscoreandmore presents a classic challenge: automatic renewal with no simple account settings toggle to stop it. Understanding your cancellation options and your legal rights before you act means you can cancel with confidence and avoid further charges.

When cancellation makes sense for you

You might cancel if the trial period convinced you the service does not deliver value, if you have found a cheaper local credit monitoring alternative, or if you simply no longer need credit surveillance. New Zealand consumers frequently cancel Yourscoreandmore after discovering that local banks and providers offer free credit reports, or after their trial ends and the recurring charge hits harder than expected.

The automatic renewal trap

Yourscoreandmore's membership terms state clearly that your plan renews automatically until you submit a cancellation request. This is where most cancellation attempts fail: subscribers assume the free trial period ends the subscription automatically, but it does not. Your payment method will be charged on the renewal date unless you take deliberate action to stop it. Tocancel recommends you log into your account and note your renewal date immediately so you know exactly how much time you have to cancel before the next charge.

Yourscoreandmore pricing and plan breakdown

All Yourscoreandmore plans are priced in US dollars, which means your actual New Zealand dollar cost depends on the current USD/NZD exchange rate and any international payment fees your bank or payment processor charges.

Why your plan type matters for cancellation timing

If you are on the monthly plan, you are looking at roughly NZD$70-75 per month depending on exchange rates and bank fees. This means every day you delay cancellation costs you real money. The six-month plan requires you to watch for a renewal date six months ahead, which many subscribers miss because they forget the exact date. The annual plan does not auto-renew, so cancelling it is less urgent, but you should still confirm cancellation in writing to prevent future charges if the company's systems fail or change. Tocancel strongly recommends you check your account dashboard right now to identify your exact renewal date and current plan so you can cancel before that date arrives.

Your consumer rights under new zealand law

Your legal position is straightforward: the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 protect you against unfair contract terms and automatic billing practices. When you cancel, you are exercising your right to withdraw from a distance contract, and Yourscoreandmore must stop charging you immediately upon receiving your cancellation request.

What the consumer guarantees act means for you

The Consumer Guarantees Act protects your right to cancel subscription services, and any contract term that makes cancellation deliberately difficult or hidden is potentially unfair. The Commerce Commission, New Zealand's consumer enforcement body, has stated explicitly that businesses cannot hide cancellation methods or require you to jump through unreasonable hoops to stop charges. This means Yourscoreandmore must honour your cancellation request within a reasonable timeframe, even if you originally agreed to automatic renewal.

What to do if Yourscoreandmore refuses to cancel

If the company fails to cancel your subscription after you have submitted a clear cancellation request, you can escalate your complaint to the Commerce Commission. Document every communication attempt: keep screenshots of emails, record phone call dates and agent names, and save copies of any contact form submissions. If Yourscoreandmore continues charging you after you have cancelled, you have grounds to request a full refund of all post-cancellation charges and may pursue compensation for the inconvenience. Tocancel recommends you keep detailed records of all cancellation attempts so you have evidence if you need to file a formal complaint with the Commerce Commission.

How to cancel your Yourscoreandmore subscription

You have three cancellation methods available, and the most reliable approach is to use email so you create a written record that proves you cancelled on a specific date.

Method 1: email cancellation (most reliable)

1. Send an email to [email protected]
   • Use the subject line: "Subscription Cancellation Request"
   • Write: "I request immediate cancellation of my Yourscoreandmore subscription. My account email is [your registration email]. Please send me written confirmation of the cancellation date."
   • Take a screenshot of the email before you send it
2. Wait for a confirmation reply
   • Yourscoreandmore should reply within 2-3 business days
   • Save this email in a folder labelled "Cancellation"
   • If you do not receive a reply within one week, escalate to phone or contact form

Method 2: phone cancellation (faster, higher cost)

1. Call Yourscoreandmore's US customer support line
   • Phone: +1 (800) 950-1840 (international calling rates apply)
   • Have your account email and registration details ready
2. Request immediate cancellation
   • Say clearly: "I want to cancel my subscription immediately and receive written confirmation."
   • Write down the agent's name, the call date, and the time
   • Ask the agent to email you a cancellation confirmation
3. Confirm the cancellation in writing
   • Send a follow-up email to [email protected] stating: "I cancelled my subscription by phone on [date] with agent [name]. Please confirm receipt and provide written proof of cancellation."

Method 3: website contact form cancellation

1. Visit Yourscoreandmore's contact page
   • Look for a "Contact Us" or "Support" link
   • Select "Cancellation" or "Billing" as the issue type
2. Complete the form with your cancellation request
   • Your account email address
   • Clear statement: "I request immediate cancellation of my subscription"
   • Request written confirmation
3. Submit and save your reference number
   • The form should return a confirmation number
   • Screenshot this confirmation for your records

Tocancel's recommended cancellation approach

Send the email cancellation request first (Method 1) because it creates the strongest written record of your intent to cancel. Follow up with a phone call one week later if you do not receive a confirmation email. This two-step approach gives you proof that you cancelled on a specific date, which protects you if the company claims they never received your request or if they charge you again after you thought you had cancelled.

What happens after you submit your cancellation

Once you cancel, Yourscoreandmore should stop all future charges immediately. However, you should verify this on your own initiative rather than assume the company has acted.

Steps to take immediately after cancellation

• Check your account 2-3 days after submitting cancellation: log in and verify that your membership shows as "cancelled" or "inactive"
• Monitor your payment method: watch your credit card or PayPal account for at least 30 days after cancellation to ensure no unexpected charges appear
• If you see a post-cancellation charge, contact your bank or payment provider immediately and request a chargeback or refund, citing the cancellation request you submitted
• Save all cancellation confirmations in a safe folder for at least 12 months

If your subscription does not cancel

If you receive a charge after your cancellation request, or if your account still shows "active" after one week, contact Yourscoreandmore again and reference your original cancellation request by date. State that you are filing a complaint if they do not process the cancellation within 48 hours. If the company continues to ignore your request, escalate to the Commerce Commission with copies of all your cancellation attempts and any unwanted charges.

Refunds and recovering charges after cancellation

If Yourscoreandmore charges you after you have cancelled, you have the right to request a full refund of those charges under the Fair Trading Act.

How to request a refund

• Contact the company in writing: "I request a full refund of [amount] charged on [date] after I cancelled my subscription on [date]. I have a record of my cancellation request dated [date]."
• Allow 10 business days for a response
• If the company refuses, contact your bank or payment provider and request a chargeback, citing the unwanted post-cancellation charge
• File a formal complaint with the Commerce Commission if the company does not refund you within 30 days

If the company disputes your refund claim

Provide the company with your cancellation email, phone call notes, or contact form confirmation number. Your proof of cancellation date is stronger than the company's billing records because you initiated the cancellation. Tocancel advises you keep this documentation permanently so you have evidence if a dispute escalates to the Commerce Commission.

Common cancellation mistakes to avoid

Cancellation can feel frustrating, especially when the company makes it deliberately hard, but these mistakes are preventable and will protect you from unexpected charges.

Mistake 1: assuming your trial cancellation is automatic

Many subscribers believe the free trial period automatically converts to a non-renewing state after it ends, but Yourscoreandmore's terms state the opposite: your membership renews unless you cancel. Do not assume anything. Take action before your trial ends or immediately after if you do not want to be charged.

Mistake 2: relying on verbal cancellation without written proof

If you cancel by phone but do not request a confirmation email or follow up in writing, you have no evidence that you cancelled. The company's system may show no cancellation request, and you will be charged again. Always send an email confirmation after any phone cancellation.

Mistake 3: cancelling from outside your account

Do not assume you can cancel by unsubscribing from marketing emails or by deleting your payment method. You must submit a formal cancellation request through email, phone, or contact form. Deleting your card only prevents the next charge; it does not cancel your subscription, and the company will contact you for updated payment details.

Mistake 4: not checking your renewal date before cancelling

If you cancel on the wrong date or forget when your next charge is due, you may miss the cancellation window. Log into your account today, identify your exact renewal date, and cancel at least 3-5 days before that date to allow processing time.

Mistake 5: ignoring a post-cancellation charge

If you see an unexpected charge after cancellation, contact your bank immediately rather than waiting to see if it reverses. Your bank can dispute the charge and refund you faster than arguing with Yourscoreandmore's support team.

Checklist: steps to cancel your Yourscoreandmore subscription

Where to find yourscoreandmore's cancellation address

Yourscoreandmore does not publish a New Zealand postal address for cancellations. The company requires you to cancel by email, phone, or website contact form. If you wish to send a cancellation letter by post, you may address it to the US headquarters, but email cancellation is far faster and more reliable. Tocancel recommends you avoid postal cancellation and use email instead because the US mail takes 2-3 weeks and Yourscoreandmore may charge you before your letter arrives.

US mailing address (if postal cancellation is necessary)

Contact Yourscoreandmore's support team by email first to request their postal address for cancellations. The company's website does not list a specific mailing address for subscription cancellations, so you must obtain this information directly from customer support. Tocancel emphasises that email cancellation is your fastest and safest option because you receive immediate confirmation and can prove the exact date you cancelled.

Final action: cancel your subscription today with tocancel's support

Yourscoreandmore's automatic renewal system is designed to keep subscribers locked in, but you have the legal right to cancel whenever you choose. Your consumer protection under the Consumer Guarantees Act and Fair Trading Act 1986 means the company must honour your cancellation request and stop all charges immediately. Do not delay: log into your account, note your renewal date, and send your cancellation email today so you have written proof of when you cancelled.

Tocancel has helped thousands of New Zealand consumers cancel unwanted subscriptions, recover unexpected charges, and understand their consumer rights. If you encounter resistance from Yourscoreandmore, escalate your complaint to the Commerce Commission with copies of your cancellation attempts. Your rights are clear, your legal position is strong, and you can cancel this subscription with confidence right now.