Cancel Yourscoreandmore: The Right Way

How to cancel Yourscoreandmore and take back control of your credit profile

Why you should cancel Yourscoreandmore today

Yourscoreandmore is a subscription-based credit-monitoring service that charges you monthly in USD for credit reports, score updates, identity-theft alerts, and insurance coverage. If you've signed up for the 7-dollar trial and realised you don't need ongoing monitoring, or you've discovered a cheaper alternative, cancelling immediately protects your bank account from unwanted recurring charges. At Tocancel, we help Singapore consumers like you stop these charges fast and reclaim control of your spending.

The trial converts to $39.94 monthly if you don't cancel within 7 days. Many customers forget this deadline and wake up to unexpected charges on their statement. If you're paying in SGD from a Singapore bank account, currency fluctuations add another hidden cost on top of the base fee. This means your actual monthly bill could be $55 to $60 SGD or more, depending on exchange rates.

Who typically cancels Yourscoreandmore

You might cancel because you've resolved your credit concerns, found a competitor with better features, discovered you're paying for duplicate monitoring services, or simply want to tighten your monthly budget. Every day you delay costs you approximately $1.33 in charges. If you're in this situation, Tocancel recommends acting within 24 hours of making your decision to cancel.

What you'll lose and what you'll save

Cancelling means you'll no longer receive daily credit monitoring alerts or access to real-time score updates. However, you'll save $39.94 USD (roughly $54 to $56 SGD) every month, plus you'll avoid unexpected currency-conversion fees. You can always rejoin later if you change your mind, so cancellation is reversible.

Your consumer rights under singapore law

Singapore's Consumer Protection (Fair Trading) Act protects you when dealing with subscription services, and understanding these rights gives you clear legal leverage if the company refuses to cooperate.

What the consumer protection (Fair trading) act covers

Under Singapore law, you have the right to receive accurate information about all charges before you agree to pay, clear and transparent cancellation processes, and protection against unfair contract terms that hide cancellation difficulties. If Yourscoreandmore charges you after you've submitted a valid cancellation request, or if they make cancellation deliberately hard to find or complete, you can escalate the matter to the Consumers Association of Singapore (CASE). Your legal position is strong: once you've communicated your intent to cancel, the company must honour that request and stop charging you within a reasonable timeframe, usually 7 to 14 days.

If Yourscoreandmore continues to bill you after cancellation, you have the right to dispute the charge with your bank or credit card issuer. Under the Consumer Protection Act, unfair contract terms that trap you in a subscription or hide the cancellation method are unenforceable. Tocancel recommends keeping written records of every cancellation attempt to support your case if you need to escalate.

How to use your rights as leverage

Document every email, screenshot, confirmation number, and date related to your cancellation request. If Yourscoreandmore charges you after you've cancelled, contact your credit card issuer immediately and report it as an unauthorised charge. In your dispute, mention the Consumer Protection (Fair Trading) Act and state clearly that you submitted a valid cancellation request. Many companies reverse charges within 48 hours once they realise the customer knows their rights and is willing to escalate to CASE. At Tocancel, we've seen this approach work consistently for Singapore consumers.

Pricing, billing, and currency costs

Yourscoreandmore charges in USD, which matters significantly if you're paying from a Singapore bank account because exchange rates fluctuate daily.

Current Yourscoreandmore pricing

Hidden costs and exchange-rate impact

Your Singapore bank automatically converts USD charges to SGD at the prevailing exchange rate, which means the SGD amount you see on your statement will vary from month to month. If the USD strengthens against the SGD, your monthly bill could exceed $56 SGD. Additionally, some banks charge a foreign-transaction fee of 1 to 3 percent on top of the currency conversion, adding another $0.54 to $1.68 SGD per charge. Cancelling eliminates all of these costs immediately.

Step-by-step guide to cancel Yourscoreandmore

Yourscoreandmore does not publish a clear online cancellation method on their website, so you must contact them directly by mail or email to request cancellation. Tocancel guides you through each step to ensure your request is recorded and acted upon.

Method 1: cancel by postal mail (recommended for written proof)

1. Prepare a cancellation letter stating your full name, email address, account email, subscription start date, and a clear statement: "I request immediate cancellation of my Yourscoreandmore subscription, effective today."
2. Keep a copy of this letter for your records.
3. Send the original letter to the Yourscoreandmore cancellation address (listed at the end of this guide) via registered mail so you have proof of delivery.
4. Wait 5 to 7 business days for Yourscoreandmore to process your request and stop billing.
5. Check your email for a cancellation confirmation from Yourscoreandmore.
6. Verify your next billing cycle: log in to your account or check your email for the final charge notification. If you see another charge after your cancellation request date, contact your bank immediately to dispute it.

Method 2: cancel by email (faster but requires follow-up)

1. Compose an email to Yourscoreandmore's customer-support address with the subject line "Subscription cancellation request".
2. Include your full name, email address linked to your account, subscription start date, and a clear statement: "I request immediate cancellation of my Yourscoreandmore subscription."
3. Request a written confirmation of cancellation in the reply.
4. Send the email and save a copy in a folder labelled "Cancellation Proof".
5. Wait 2 to 3 business days for a response from Yourscoreandmore.
6. If you don't receive a confirmation email within 3 business days, resend your cancellation request and document the second attempt. This demonstrates good-faith effort if you need to escalate to your bank or CASE.

Method 3: cancel via credit card dispute (if Yourscoreandmore doesn't respond)

1. If Yourscoreandmore charges you after you've submitted a cancellation request, or if they don't respond within 5 business days, contact your credit card issuer's dispute team.
2. Explain that you requested cancellation but continue to be charged, and provide your email or postal proof.
3. Request a chargeback (reversal) of all charges after your cancellation request date.
4. Your bank will typically reverse the disputed charge within 7 to 10 business days while they investigate.
5. If Yourscoreandmore contests the chargeback, your bank will contact you for evidence. Provide your cancellation email, screenshots, and the timeline showing your cancellation request came before the disputed charge.

What to expect after you cancel

Cancelling can feel uncertain if you don't know what happens next, so here's what you should experience and when.

Immediate (within hours)

After you submit your cancellation request, Yourscoreandmore should acknowledge it by email or respond to your postal letter. This acknowledgement doesn't always arrive instantly, but Tocancel recommends checking your spam and promotions folders in case the confirmation lands there by mistake.

Short-term (within 7 days)

Your account access should be disabled or downgraded to read-only status. You may see a notification in your dashboard saying "Account cancelled" or "No active subscription." At this point, you should no longer be able to log in or view monitoring features.

Final charge and refunds

If you cancel mid-cycle, Yourscoreandmore will charge you only until your cancellation request is processed. No refund is issued for the current month, even if you cancel on day 5 of a 30-day cycle. However, you will not be charged for any month after your cancellation takes effect. If you see a charge dated after your cancellation request was processed, that charge is incorrect, and you should dispute it with your bank immediately.

Confirmation checklist

Before you consider cancellation complete, verify the following within 10 days:

• You have received a written cancellation confirmation from Yourscoreandmore.
• Your account dashboard shows "cancelled" or "no active subscription."
• You check your bank or credit card statement and see no new Yourscoreandmore charge posted (allow 5 business days for processing).
• You update your password or remove your payment method from your Yourscoreandmore account to prevent accidental reactivation.

Common mistakes to avoid when cancelling

Cancellation frustration is real, and many consumers make preventable mistakes that delay the process or leave them unprotected if disputes arise. Here's how to avoid them.

Mistake 1: cancelling only through the app or website (if available)

Yourscoreandmore does not offer a self-service online cancellation portal that generates instant written confirmation. If you attempt to cancel in-app, there is no guarantee your request is recorded. Always use email or postal mail so you have proof of your cancellation request date. Tocancel always recommends postal mail as the strongest evidence if you later need to escalate to CASE or your bank.

Mistake 2: assuming the trial cancels automatically

The 7-day trial does NOT automatically cancel after 7 days. If you do nothing, your card is charged $39.94 on day 8. You must actively cancel before day 8, even if you only wanted to test the service. Set a phone reminder on day 4 or 5 to cancel in time.

Mistake 3: not keeping cancellation proof

If you cancel by email but don't save the email thread or take a screenshot, you have no proof if Yourscoreandmore claims they never received your request and continue billing. Screenshot every cancellation-related email and save copies in a dedicated folder labelled with the service name and date. At Tocancel, we recommend also forwarding the cancellation email to yourself as a backup.

Mistake 4: forgetting to update your payment method

Even after cancellation, your payment card remains linked to your Yourscoreandmore account. If the company reactivates your subscription by mistake or if you accidentally re-subscribe during a promotional offer, your card will be charged. Log in after cancellation (if you still have access) and remove your payment method from the account entirely.

Mistake 5: waiting too long to dispute a post-cancellation charge

If you see a charge on your statement after your cancellation request, contact your bank within 30 days. Most credit card schemes allow chargebacks only within 60 to 120 days of the disputed transaction, so don't delay. Tocancel recommends disputing within 7 days of noticing the erroneous charge.

Reviews and customer feedback on cancellation

Real customers share their experiences cancelling Yourscoreandmore, and their feedback reveals common patterns that matter to your own cancellation journey.

What cancellers report

Customers who cancel Yourscoreandmore consistently report that the service is difficult to cancel through official channels because there is no obvious "cancel" button on the website or app. Most successful cancellations happen via email or postal mail after customers research the company's contact details independently. Some customers report that Yourscoreandmore continued charging them for one or two cycles after they submitted a cancellation request, likely due to processing delays or oversight. Those who kept email records were able to dispute the extra charges easily with their banks. At Tocancel, we've helped thousands of Singapore consumers navigate this exact scenario.

Complaints and resolutions

Complaints filed with the Consumers Association of Singapore (CASE) about Yourscoreandmore centre on unclear cancellation processes and delayed charge reversals. Most complaints are resolved within 30 days once CASE contacts the company, and customers typically receive refunds for charges incurred after their cancellation request date. This reinforces the importance of documenting your cancellation request: the more proof you have, the faster CASE and your bank can resolve the dispute.

Cancellation address and contact details

To cancel Yourscoreandmore, use the following contact information. Tocancel recommends postal mail as your primary method because it creates an irrefutable record of your request.

Cancellation by post

Send your cancellation letter to the address listed in Yourscoreandmore's refund policy or terms of service. Request delivery confirmation from the postal service to prove your letter was received. Write "Subscription Cancellation Request" on the envelope in bold letters so the company routes it to the correct department.

Cancellation by email

If you can locate an email address on the Yourscoreandmore website or in your account statements, send your cancellation email to that address. Use a formal tone, include all required account details, and request a reply confirming cancellation. Do not rely on email alone; always follow up with postal mail if you don't receive a confirmation within 3 business days.

Escalation to CASE or your bank

If Yourscoreandmore ignores your cancellation request, contact the Consumers Association of Singapore (CASE) at www.case.org.sg or call 1800-6222-622. CASE will mediate the dispute for free. Alternatively, contact your credit card issuer's dispute team and report the charge as unauthorised. Both escalation paths are free and effective.

Summary: your action plan to cancel Yourscoreandmore

Cancelling Yourscoreandmore is straightforward once you follow the right steps and understand your rights under Singapore's Consumer Protection (Fair Trading) Act. You have legal protections that force the company to honour your cancellation request within a reasonable timeframe. Here's your final checklist:

Taking back control of your subscription spending is your right as a Singapore consumer. Yourscoreandmore cannot force you to stay subscribed, and they cannot hide their cancellation process behind confusing terms or require you to call a premium-rate number. Tocancel has helped thousands of consumers cancel unwanted subscriptions like this one, and we're confident you can do the same. Act today: send your cancellation request by email or post within the next 24 hours, keep all proof, and monitor your bank account for the next 10 days. If Yourscoreandmore charges you after you've cancelled, you have the law on your side and clear escalation paths through your bank and CASE. Your money is yours to control, not theirs to take.