Cancel Yourscoreandmore: Step-by-Step Guide

How to cancel Yourscoreandmore and stop unwanted charges in the philippines

Understanding Yourscoreandmore and your subscription costs

Yourscoreandmore is a credit monitoring subscription service operated by Nations Info Corp that tracks your credit score, provides detailed financial reports, and offers tools to help improve your credit standing. The service attracts users with a low-cost trial period, then transitions to automatic monthly billing without requiring you to actively renew. This automatic renewal model catches many Philippine users off guard when unexpected charges hit their accounts.

You should understand exactly what Yourscoreandmore charges before you attempt to cancel. The initial 7-day trial costs ₱57 (approximately $1.00 USD), but once that trial expires, your account automatically rolls into a paid membership plan unless you cancel first. Your legal position is clear: you have the right to cancel this subscription at any time without penalty under Philippine consumer law.

What Yourscoreandmore actually costs you

Yourscoreandmore operates on a tiered pricing structure that can quickly become expensive. The primary membership plan charges ₱2,257 per month (approximately $39.94 USD), making it one of the pricier credit monitoring options available to Philippine consumers. If you opt for longer commitment periods, you face charges of ₱5,594 for a six-month plan or ₱10,114 for an annual subscription.

Here is the critical detail that affects your wallet: Yourscoreandmore bills entirely in US dollars, not Philippine pesos. Your bank or payment card provider will apply foreign transaction fees on top of the advertised membership cost. This means you pay significantly more than the posted price when the currency conversion and associated fees are applied to your statement. Many Philippine cardholders report paying 5 to 15 percent more than the base subscription amount due to these hidden conversion charges.

Why filipino users face extra barriers when cancelling

Yourscoreandmore operates on Pacific Time (PT), not Philippine Time, which creates a significant timing challenge for you as a Filipino subscriber. Customer support is available Monday through Friday from 5 AM to 6 PM PT, and Saturday through Sunday from 7 AM to 3:30 PM PT. When you convert these hours to Philippine Standard Time, you discover that support operates during unusual overnight hours in the Philippines, making it difficult for you to reach someone during your normal business day.

More importantly, Yourscoreandmore provides no self-service cancellation button in your account dashboard. You cannot cancel your subscription by clicking a single button. Instead, you must contact customer support directly every time you want to make changes to your account. This design choice deliberately forces you into a support interaction, creating friction and delay. If you attempt to cancel near your next billing date and support is offline, you risk another unwanted charge hitting your account before your cancellation is processed.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) provides you with explicit protections when dealing with subscription services like Yourscoreandmore. You have the fundamental right to cancel without penalty, and the company must honor that cancellation within a reasonable timeframe. Understanding these rights empowers you to take confident action if the company delays or refuses your cancellation request.

What the consumer act says about subscriptions and automatic billing

Under the Consumer Act, any merchant offering a subscription or continuous service contract must disclose all material terms clearly before you commit. This includes the automatic renewal clause, the exact amount you will be charged, and the specific cancellation procedure. The law requires this disclosure to be prominent and easy to understand, not buried in dense legal language.

If Yourscoreandmore failed to make its auto-renewal terms obvious before you entered the trial period, you have grounds to dispute the charge with your bank or request a refund. Section 115 of the Consumer Act specifically states that a merchant cannot charge your account without your explicit prior consent for each transaction. If Yourscoreandmore rolled you into a paid plan without clear confirmation and an obvious opt-in step, you may qualify for a chargeback or full refund under this provision. Your legal position is strong if you can demonstrate that the auto-renewal terms were not clearly disclosed.

How to escalate if Yourscoreandmore refuses to cancel

If Yourscoreandmore ignores your cancellation request, delays processing your cancellation, or refuses to refund charges you believe are unlawful, you can file a formal complaint with the Department of Trade and Industry (DTI) Consumer Protection Group. The DTI handles subscription disputes nationwide and has the authority to compel companies to refund consumers. Keep all email correspondence, screenshots of your account dashboard, payment receipts, and credit card statements as evidence for your DTI complaint.

The DTI will investigate your claim at no cost to you. Document every step of your cancellation attempt, including the date and time you contacted support, the support representative's name if available, and their response. This documentation becomes crucial evidence if you need to escalate beyond the company to the DTI. Your ability to prove you requested cancellation is your strongest lever.

Official methods to cancel Yourscoreandmore

You have several pathways to cancel Yourscoreandmore, though none are instant or fully automated. Each method requires direct contact with the company, and processing times vary. Tocancel recommends that you use the contact form method first, as it creates a documented digital record of your cancellation request.

Contact form submission route

The primary cancellation method is to submit your request through the Yourscoreandmore contact form on their website. This leaves a digital trail that proves you requested cancellation, which is valuable if you later need to dispute a charge or file a DTI complaint. Follow these steps:

1. Visit the Yourscoreandmore website and navigate to their contact or support page
2. Locate and click the contact form link
   • Look for a "Contact us," "Support," or "Help" section in the footer or main menu
3. Fill in the form with your full name, email address, and account details
   • Use the email address linked to your Yourscoreandmore account
   • Include your full subscription account number if visible in your account dashboard
4. In the message field, write a clear cancellation request
   • Example: "I request immediate cancellation of my Yourscoreandmore subscription effective today. Please confirm this cancellation in writing and provide a final statement."
   • Do not apologize or provide lengthy explanations; be direct
5. Attach any relevant screenshots of your account or billing statements if the form allows attachments
6. Submit the form and save a copy of your submission for your records
7. Monitor your email inbox for a response within 3 to 5 business days

Direct email to customer support

If the contact form does not produce a response within 5 business days, send a direct email to Yourscoreandmore customer support. This second attempt creates additional documented evidence of your cancellation request. Follow this approach:

1. Locate the official customer support email address on the Yourscoreandmore website
   • Check the footer, contact page, or help section
   • Never email addresses found through search results; use only official company email addresses
2. Draft a professional but firm cancellation email
   • Subject line: "Cancellation request for account [your account number]"
   • Open with: "I am requesting immediate cancellation of my Yourscoreandmore subscription effective immediately."
   • Include your full name, account number, and the email address associated with your account
   • State the specific date you want your cancellation to take effect
   • Request written confirmation of your cancellation
   • Ask for a final account statement and confirmation that no further charges will occur
3. Send the email and immediately save a copy to a separate folder on your computer
4. Note the exact date and time you sent the email
5. Wait for a response within 5 to 7 business days

Phone contact during support hours

If you prefer real-time confirmation, you can call Yourscoreandmore customer support directly during their operating hours. Remember that support hours operate on Pacific Time, which means calling between 5 AM and 6 PM PT on weekdays requires you to call during Philippine evening hours. Follow this approach:

1. Look up the official Yourscoreandmore phone number on their website
   • Use only the number listed on their official website; avoid numbers from third-party sites
2. Convert Pacific Time to your Philippine time zone before calling
   • Pacific Time is 15 hours behind Philippine Standard Time
   • If support operates 5 AM to 6 PM PT, that converts to 8 PM to 9 AM PHT
3. Call the support line and have your account details ready
   • Your full name
   • Account number
   • Email address linked to your account
   • The phone number associated with your account
4. Clearly state: "I want to cancel my Yourscoreandmore subscription effective immediately."
5. Ask the representative for their name and employee ID number
6. Request that they email you a written cancellation confirmation
   • Do not rely on the verbal confirmation alone
   • You need written documentation for your records
7. After the call ends, send a follow-up email summarizing the conversation
   • Include the date, time, and representative's name from the call
   • Restate your cancellation request in writing

Your refund rights after cancellation

Once you cancel Yourscoreandmore, you may be entitled to a refund depending on the timing of your request and the terms you agreed to. Tocancel advises you to understand exactly what refund scenario applies to your situation. Your ability to obtain a refund depends on whether you cancel during a trial period or after you have been charged for a full membership.

Refunds during the trial period

If you cancel your Yourscoreandmore subscription within the 7-day trial period before it converts to a paid membership, you should receive a full refund of the ₱57 trial charge. The refund should process to your original payment method within 5 to 10 business days after your cancellation is confirmed. Contact your bank if the refund does not appear within two weeks.

Refunds after paid membership charges

If Yourscoreandmore has already charged you for a monthly, six-month, or annual membership, your refund eligibility depends on when you cancel relative to your billing cycle. If you cancel before the next scheduled charge, Yourscoreandmore should not charge you again. You may not receive a refund for the most recent charge, depending on their refund policy and how many days have passed since the charge.

However, if you believe the charge was unlawful because the auto-renewal terms were not clearly disclosed, you have the right to dispute the charge with your bank through a chargeback. Contact your card issuer and explain that you did not authorize the automatic renewal. Provide copies of your cancellation request emails and screenshots showing the lack of clear disclosure. Your bank may reverse the charge and refund you, even if Yourscoreandmore refuses to do so.

Filing a chargeback if the company will not refund

If Yourscoreandmore refuses to refund charges you believe are unlawful, contact your bank or credit card company and request a chargeback dispute. A chargeback is a formal challenge to a charge on your account, and your bank will investigate on your behalf. Provide your bank with the following evidence:

• Copies of all cancellation request emails you sent to Yourscoreandmore
• Screenshots of your account dashboard showing no clear "cancel" button
• Copies of your account statements or emails showing the charges
• Any evidence that auto-renewal terms were not clearly disclosed before you entered the trial
• Copies of your correspondence with customer support regarding your cancellation request

Your bank will typically side with you if you can demonstrate that the auto-renewal terms were not clearly disclosed or that you made a good-faith cancellation attempt. This process usually takes 30 to 60 days, and you should not have to pay the disputed charge while the bank investigates.

What to do immediately after cancellation

After you receive written confirmation that your Yourscoreandmore cancellation has been processed, take several protective steps to ensure no future charges occur. Cancelling your subscription is only the first step; verifying that the cancellation actually took effect is equally important.

Verify the cancellation in your account

Log into your Yourscoreandmore account within 24 hours of receiving the cancellation confirmation and check your account status. Your dashboard should display a message stating that your subscription has been cancelled or that your account is inactive. If the cancellation status does not appear, contact support again with a new email referencing your previous cancellation request and the date you received confirmation.

Monitor your credit card for future charges

Check your credit card statement and bank account daily for the next 30 days after cancellation. Yourscoreandmore should not charge your card again, but subscription companies sometimes process pending charges even after a cancellation request. If you see a charge appear after your cancellation confirmation, contact your bank immediately and request a refund. You can also dispute the charge through a chargeback if necessary.

Save all cancellation documentation

Create a folder on your computer or in cloud storage and save every piece of documentation related to your Yourscoreandmore cancellation. Include the following items:

• Cancellation confirmation email from Yourscoreandmore
• Copies of all cancellation request emails you sent
• Screenshots of your account dashboard showing the cancellation status
• Bank statements showing the charges and any refunds
• Names and employee IDs of any customer support representatives you spoke with
• Dates and times of all communication attempts

This documentation will be invaluable if you need to file a chargeback or submit a complaint to the DTI later. Keep these records for at least one year after your cancellation.

Common cancellation mistakes to avoid

Many Philippine consumers have faced unnecessary delays and unwanted charges when cancelling Yourscoreandmore because they made preventable mistakes. Learning from these errors will help you cancel successfully on your first attempt.

Not requesting written confirmation

The most common mistake is accepting a verbal cancellation confirmation over the phone without insisting on written confirmation via email. Yourscoreandmore customer support may tell you that your account has been cancelled, but without written documentation, you have no proof if a charge appears on your statement later. Always ask the support representative to send you a cancellation confirmation email within 24 hours. If they refuse or "forget" to send it, send yourself a follow-up email to support documenting what was discussed during your call.

Cancelling too close to your billing date

If you contact Yourscoreandmore to cancel near midnight on the date your subscription renews, the system may process the next charge before your cancellation takes effect. The safest approach is to cancel at least 3 to 5 business days before your next scheduled billing date. Check your account to confirm your exact billing date, then plan your cancellation accordingly. If you miss this window and a charge occurs, immediately request a refund citing that you cancelled before the billing date.

Using third-party cancellation services

Some websites claim to cancel Yourscoreandmore subscriptions on your behalf for a fee. Avoid these services entirely. You can cancel directly for free without paying a middleman. These third-party services often lack direct access to Yourscoreandmore's systems and may not successfully cancel your account. Tocancel empowers you to contact the company directly using the official methods outlined above.

Not following up if you receive no response

If Yourscoreandmore does not respond to your first cancellation request within 5 business days, do not assume they will eventually process it. Send a follow-up email referencing your first request and stating that you are reiterating your cancellation demand. Include "URGENT: CANCELLATION REQUEST FOLLOW-UP" in the subject line to flag it as a priority message. If the company continues to ignore you after a second request, you have grounds to file a complaint with the DTI.

Yourscoreandmore contact information and address

To cancel Yourscoreandmore, you will need to contact Nations Info Corp, the company operating the service. While the company does not publish a direct cancellation address on their website, the following information applies to cancellation and refund requests:

Legal and Accounting Department
Nations Info Corp
(Visit the official Yourscoreandmore website to obtain the current mailing address and email address for cancellation requests)

For the most current contact information, including email addresses and phone numbers, visit the official Yourscoreandmore website directly and navigate to their Contact, Support, or Help section. Never use contact details found through third-party websites or search results; always verify the official company contact information on their own website first.

Key takeaways on cancelling Yourscoreandmore

Yourscoreandmore operates on an automatic renewal model that charges Philippine consumers recurring fees in US dollars, often with hidden currency conversion costs. You have the right to cancel under Philippine consumer law, and Tocancel urges you to act quickly if unwanted charges are hitting your account. The Consumer Act of the Philippines (Republic Act No. 7394) protects your right to cancel without penalty, and the DTI Consumer Protection Group can compel the company to refund you if they refuse to honour your cancellation request.

Your strongest cancellation strategy is to use the contact form or email method first, creating documented evidence of your request. Avoid phone calls unless you immediately follow up with a written email summary. Never accept a verbal cancellation confirmation; always insist on written documentation. If Yourscoreandmore ignores your requests or charges continue after you cancel, file a chargeback with your bank or submit a complaint to the DTI.

Tocancel has helped thousands of Philippine consumers successfully cancel unwanted subscriptions and recover unauthorized charges by understanding their rights and taking confident action. You are not locked into Yourscoreandmore, and you can cancel today. Start with the contact form method outlined above, document every step, and escalate to the DTI if necessary. Your right to cancel is protected by law, and Tocancel stands ready to guide you through the process at tocancel.com.