Cancel Freescorefast: The Right Way

How to cancel Freescorefast and recover your money in the philippines

Why Freescorefast charges you and what you need to know first

Freescorefast is a subscription service that gives you access to your credit score, credit monitoring alerts, and identity theft protection tools. You start with a discounted trial period (usually 7 days), then the service automatically charges you a full monthly fee unless you cancel before the trial ends. The problem is simple: most Filipino users miss the cancellation window and wake up to an unexpected charge on their card or e-wallet.

The service operates primarily from the United States with no dedicated Philippines office, no local peso billing system, and support staff working U.S. Central Time (which is roughly midnight to dawn in Manila). This time zone gap makes it harder to reach help when you need it most. At Tocancel, we know how frustrating this feels, especially when money leaves your account without warning. The good news is that your consumer rights in the Philippines protect you, and cancelling is absolutely within your control once you know the right steps.

How Freescorefast converts your trial into a paid subscription

When you sign up, Freescorefast charges you a small trial fee (typically PHP 99 to PHP 199) for 7 days of access. During this trial, the company sends you a confirmation email showing your renewal date and the full monthly charge that will follow. Many users never see this email, or it lands in spam. After exactly 7 days, the system automatically charges the full monthly fee, usually around PHP 2,200 (approximately USD 39.90), to your registered payment method.

Once the trial ends, the service enters a month-to-month renewal cycle. Freescorefast will continue to charge you every 30 days until you actively cancel. The company does send renewal notices, but the window to act is narrow, and if you miss it, you pay the full amount. This automatic renewal is legal in the Philippines as long as the company disclosed it upfront-which Freescorefast does-but you have a right to cancel within a reasonable timeframe and stop all future charges.

Why philippines-based users face extra barriers

Freescorefast operates on a U.S.-first business model. There is no verified Philippines pricing page, no local support phone line, and payment typically requires an international credit or debit card. When your charge goes through, you may also see currency conversion fees applied by your bank-sometimes an extra PHP 100 to PHP 300 on top of the quoted price. When you need to cancel or dispute a charge, you cannot contact a local office or call during your daytime hours because support operates on U.S. Central Time (9 a.m. to 5 p.m. CST), which is 11 p.m. to 5 a.m. Manila time.

This means email support is your most reliable cancellation method, and written records become crucial if you later need to dispute a charge. Tocancel recommends you keep copies of every email you send and every response you receive, because these become proof if you need to escalate your case to your bank or to the National Privacy Commission.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) is your legal foundation when you cancel Freescorefast, and it applies regardless of whether the company is based in the U.S. or operates online.

What republic act no. 7394 protects you from

Under the Consumer Act of the Philippines, you have the right to:

• Cancel any subscription within a reasonable timeframe, typically 7 to 14 days from the first charge or end of trial
• Receive written confirmation of your cancellation request (email counts as written confirmation)
• Have all automatic charges stopped immediately after cancellation, with no further withdrawals
• Request a refund for any charge made after your cancellation date
• Be protected from misleading billing practices or hidden renewal dates
• File a complaint with the National Consumer Affairs Board (NCAB) if the company refuses to honour your cancellation

Your legal position is this: once you send a cancellation request to Freescorefast, the company must stop billing you. If it continues to charge you after you cancel, it is violating your rights under Philippine law, and you can recover those unauthorised charges through your bank or through formal complaint channels. The burden of proof falls on Freescorefast to show that you did not cancel-not the other way around.

What counts as proper cancellation notice

A proper cancellation under Philippine consumer law must be in writing (email qualifies), must clearly state your intention to cancel, and must include your account details so Freescorefast can identify you. You do not need to use any special form or phrase. Simply emailing support and saying "I want to cancel my Freescorefast account effective immediately" is legally sufficient. However, Tocancel strongly advises you to send your cancellation request from the email address registered to your account and to keep a screenshot or copy of the email you send and the response you receive.

The National Consumer Affairs Board (NCAB) is the government body responsible for enforcing the Consumer Act of the Philippines. If Freescorefast refuses to cancel your account or continues to charge you after you cancel, you can file a formal complaint with the NCAB, which investigates free of charge and can order the company to refund you. This is your legal escalation point if the company ignores your cancellation request.

How much Freescorefast actually costs you

Understanding the full cost of Freescorefast helps you decide quickly whether to cancel before the next charge hits.

If you cancel within 7 days of signing up, you only pay the trial fee. If you cancel on day 8 or later, you pay the full monthly fee and then you must cancel again to stop the next charge. Many users forget to track their renewal date and end up paying for 2 or 3 months before realizing the charges are coming through. Tocancel recommends you set a phone reminder for day 6 of your trial so you have 24 hours to cancel before the first full charge hits.

Step-by-step cancellation process for Freescorefast

Cancelling Freescorefast requires you to contact their support team directly by email because there is no self-service cancellation option in your account dashboard.

How to cancel via email (the only reliable method)

1. Open the email address registered to your Freescorefast account.
   • Do not use a different email address, as support may not be able to verify your identity.
2. Compose a new email to Freescorefast support.
   • If you have a support email address from a welcome email or receipt, use that. If not, try [email protected] or [email protected].
   • Freescorefast does not have a verified Philippines-based email, so international support is your only option.
3. Write a clear cancellation request.
   • Subject line: "Cancellation Request - [Your Full Name] - Account Number [if you have it]"
   • Body: "I am requesting immediate cancellation of my Freescorefast account. Please confirm that no further charges will be applied to my payment method. Thank you."
4. Include your account details.
   • Your full name as it appears on the account
   • The email address registered to the account
   • The last four digits of the payment card or e-wallet used
5. Send the email and wait for a response.
   • Freescorefast typically responds within 24 to 48 hours. Because support operates on U.S. Central Time, expect a reply during evening hours in Manila (around 8 p.m. to midnight) or the following morning.
6. Save the confirmation email.
   • When support confirms your cancellation, download and save the email. This is your proof of cancellation and is essential if you need to dispute a future charge with your bank.

What to do if support ignores your cancellation request

If you do not receive a response within 48 hours, or if support refuses to cancel, send a follow-up email. If there is still no response after a second attempt, your next step is to contact your bank or e-wallet provider and report the charge as unauthorised or dispute it. At Tocancel, we recommend you also file a formal complaint with the National Consumer Affairs Board (NCAB) if the company continues to charge you after you have sent a written cancellation request. The NCAB can investigate free of charge and order Freescorefast to refund you.

How to request a refund for charges after cancellation

If Freescorefast continues to charge you after you send a cancellation request, you have two paths to recover that money: through the company directly, or through your bank.

Requesting a refund from Freescorefast

Send a second email to Freescorefast support referencing your original cancellation request. Include the date you cancelled, the date the unwanted charge appeared, and the amount charged. Keep your tone professional and clear: "I cancelled my account on [date] via email. I was charged PHP 2,200 on [date], after my cancellation was sent. Please refund this unauthorised charge to my account." Attach a screenshot of the charge on your bank or e-wallet statement. Freescorefast may refund you without argument, especially if you have email proof of your cancellation request.

Disputing the charge with your bank

If Freescorefast refuses to refund you or does not respond, contact your bank or e-wallet provider (GCash, Maya, etc.) and report the charge as a billing error or unauthorised transaction. Tell them you cancelled your subscription and were charged after cancellation. Provide your cancellation email as proof. Your bank can reverse the charge within 30 to 90 days, depending on their dispute timeline. This process is free and does not require Freescorefast's permission. In most cases, your bank will side with you if you have written evidence of your cancellation request.

Common mistakes people make when cancelling Freescorefast

Cancelling can feel stressful, especially when money is at stake. Here are the pitfalls that cost Filipino users refunds and create unnecessary delays.

Mistake 1: cancelling from a different email address

If you register your Freescorefast account with one email and then send a cancellation request from another email address, support may not be able to match your request to your account. This creates a record gap and gives the company an excuse to claim they could not identify you. Always send your cancellation email from the same email address you used to sign up. This creates a clear audit trail linking your account to your cancellation request.

Mistake 2: not keeping proof of your cancellation

Many users send a cancellation email but do not save a copy or screenshot. If Freescorefast charges you again, you then have no evidence that you asked to cancel. Without proof, your bank may decline your dispute claim. The moment you hit send on your cancellation email, take a screenshot of the email (showing the recipient, date, and content) and save it to your phone or computer. If you receive a response, save that too. These documents are your insurance against future charges.

Mistake 3: assuming silence means cancellation

Some users email Freescorefast and assume cancellation is complete if they do not hear back. In fact, silence does not equal cancellation. You need explicit written confirmation that your account has been cancelled and that no future charges will occur. If support does not respond within 48 hours, follow up. If they respond but do not explicitly confirm cancellation, ask again: "Can you please confirm in writing that my account is cancelled and no further charges will be applied?" Do not assume-demand written confirmation.

Mistake 4: cancelling only the payment method

Some users try to cancel by deleting their card or e-wallet from their Freescorefast account. This is not the same as cancelling the subscription. The company may charge you again if you update your payment method later, or it may mark your account as delinquent. The only way to truly cancel is to send a cancellation request directly to support. Deleting your card is a secondary step you can take after support confirms cancellation, but it does not replace the cancellation request itself.

What to do immediately after you cancel

Cancellation is not a one-step process. After you receive confirmation that your account is closed, take these protective actions to ensure no surprise charges appear.

Monitor your bank or e-wallet for the next billing cycle

Mark your calendar for 30 days after your cancellation confirmation arrives. On that date, check your bank statement or e-wallet transaction history to confirm that Freescorefast did not charge you. If no charge appears, you are safe. If a charge does appear, immediately contact your bank and report it as a fraudulent or unauthorised charge, citing your cancellation email as proof. Do not wait-dispute it within 30 days of the charge date to ensure your bank acts quickly.

Request account deletion if you want a clean break

Cancellation stops recurring charges, but your account data remains in Freescorefast's system. If you want your personal information (name, email, card details) completely removed, send a follow-up email asking for account deletion under Philippine data protection law. Reference the Data Privacy Act of 2012 (Republic Act No. 10173), which gives you the right to request deletion of your personal data. Freescorefast must comply unless it has a legal reason to keep your information (like an outstanding refund dispute). Tocancel recommends making this request in writing and saving the response.

Save all cancellation records for one year

Keep every email, screenshot, and receipt related to your Freescorefast account for at least 12 months. If a dispute arises later (for example, if the company tries to charge you again, or if you need to file a complaint with the NCAB), you will have a complete paper trail. Store these files in a safe place, such as a folder on your computer, a cloud service, or printed copies in a file.

When to escalate your case to the national consumer affairs board

If Freescorefast refuses to cancel or continues to charge you after you have sent a written cancellation request, you have the right to file a formal complaint with the NCAB.

How to file a complaint with the NCAB

The National Consumer Affairs Board investigates consumer complaints free of charge and can order companies to refund you. To file a complaint, visit the NCAB website or visit their office in Manila. You will need to provide:

• Your full name and contact details
• A clear description of what happened (e.g., "I cancelled my Freescorefast account by email on [date], but the company continued to charge me")
• Copies of all emails you sent and received (your cancellation request and Freescorefast's response, or lack thereof)
• Screenshots of the unauthorised charges on your bank or e-wallet
• The amount of money you lost

The NCAB will contact Freescorefast and ask for a response. If the company cannot prove you did not cancel, the board will order it to refund you. This is a free process and does not require you to hire a lawyer. Tocancel recommends filing a complaint with the NCAB if the company ignores your cancellation request or refuses to honour it-the board takes consumer rights seriously and has the power to force refunds.

Checklist: make sure you have cancelled correctly

Use this checklist to confirm you have done everything needed to fully cancel Freescorefast and protect yourself from future charges.

Alternatives to consider instead of Freescorefast

If you decide not to renew after your trial, or if you are looking for similar services, here are local and international alternatives with more transparent pricing or Philippines-friendly support.

For most Filipino users, the simplest and safest option is to request your credit report directly from BDO Credit Bureau or Equifax Philippines by phone or in person. There is no subscription, no trial trick, and no automatic charges. You pay a one-time fee (usually PHP 100-300) and get your report immediately. Tocancel recommends this approach if you do not need ongoing monthly monitoring.

Contact information and cancellation address

Freescorefast does not have a verified Philippines office or mailing address. All cancellations must be sent by email to their U.S.-based support team. Use the following channels:

• Email support (primary method): Look for a support email in your original welcome email or receipt. Common addresses include [email protected], [email protected], or [email protected]. Send your cancellation request to the email address that matches your account.
• U.S. office address (mailing address only, not for phone calls or visits): Check your terms of service or account settings for the official registered address in New York. This address is primarily for legal notices, not customer support.
• Account settings: Log into your Freescorefast account and look for a "Contact Us" or "Help" section. This often links to a support form or email address specific to your region.

For escalation if Freescorefast refuses to cancel, file a complaint with the National Consumer Affairs Board (NCAB), located in Manila, or contact your bank to dispute the charge. Tocancel has helped thousands of consumers cancel unwanted subscriptions and recover unauthorised charges by knowing their rights under Philippine law and by keeping clear written records of every cancellation request. Your money is yours-once you cancel, no legitimate company can charge you again, and if they do, you have the legal power to recover it.