Cancel YourScoreAndMore: Step-by-Step Guide

How to cancel YourScoreAndMore and stop recurring charges

What is YourScoreAndMore and why you should consider cancelling

YourScoreAndMore is a credit monitoring subscription service based in Thousand Oaks, California, that attracts new customers with an aggressive $1 trial offer before converting to recurring monthly billing. The service bundles credit score access, credit report monitoring, and identity protection features into a subscription model designed to generate ongoing monthly revenue. You may have signed up expecting a simple trial experience, only to discover that unexpected charges appear on your statement and the cancellation process feels deliberately complicated.

Your decision to cancel is valid regardless of your reason. Whether you discovered you don't need the service, found a better alternative, or became frustrated with billing practices, you have the legal right to stop the recurring charges at any time. Tocancel recognizes that many consumers feel trapped by confusing cancellation procedures, and this guide walks you through your options, your rights, and the exact steps to regain control of your subscription.

Understanding the YourScoreAndMore pricing model

YourScoreAndMore uses a classic bait-and-switch billing structure. You begin with a heavily discounted trial period at $1, which creates a false sense of affordability and commitment. After your trial expires (typically within 7 to 30 days), the company charges your payment method $39.94 every month unless you actively cancel before the trial ends. The company markets this as a seamless upgrade, but the conversion from trial to paid membership often surprises customers who expected the trial to simply expire without charge.

The burden to cancel rests entirely on you. YourScoreAndMore does not send reminder notifications before converting your trial to a paid subscription, nor does the company make cancellation equally easy as sign-up. This asymmetry is precisely why understanding your cancellation rights and knowing the exact method to use matters so much.

Why customers cancel YourScoreAndMore

Common reasons for cancellation include unexpected charges continuing after attempted cancellation, slow or missing refunds, confusion about what the service actually provides, and discovery of free alternatives that offer similar features. You may also cancel because you no longer need credit monitoring, you found a competitor with better features at a lower price, or you simply want to reduce monthly subscriptions. Whatever your reason, your right to cancel is protected under federal consumer law, and Tocancel is here to help you exercise that right confidently.

Your consumer rights and what federal law protects you

Federal law gives you specific protections when you cancel a subscription service, and understanding these rights puts you in a stronger negotiating position with YourScoreAndMore.

The restore online shoppers confidence act and your cancellation rights

The Restore Online Shoppers Confidence Act (ROSCA), enforced by the Federal Trade Commission (FTC), requires that any company offering a free or low-cost trial must obtain your clear, informed consent before charging your payment method. ROSCA also mandates that the company provide a simple, easy-to-use cancellation mechanism that is just as accessible as the sign-up process. In plain language, this means YourScoreAndMore cannot hide a cancellation option buried in your account settings or require you to call a phone line during specific hours.

Your legal position: You have the right to cancel your YourScoreAndMore subscription at any time, and the company must honor your cancellation request within a reasonable timeframe (typically one billing cycle). If YourScoreAndMore continues to charge you after you cancel, you can file a complaint with the Federal Trade Commission and pursue a refund through your bank or credit card issuer.

If the company charged you without clear, explicit consent or made cancellation unreasonably difficult, you may qualify for a refund under ROSCA. The Federal Trade Commission has taken enforcement action against dozens of companies for deceptive billing practices, and YourScoreAndMore is not exempt from these rules.

Your right to dispute charges and request refunds

Your payment method provider (your bank, credit card company, or payment service) is required by law to investigate any disputed charge you report within 30 to 60 days. You do not need YourScoreAndMore's permission to dispute a charge; you can initiate a chargeback or dispute directly with your financial institution. Tocancel recommends that you document all cancellation attempts in writing before filing a dispute, as this evidence strengthens your case significantly.

If you believe YourScoreAndMore charged you without authorization or after you cancelled, you have the right to request a full refund. The company is obligated to honor legitimate refund requests for unauthorized charges. Keep copies of all emails, cancellation confirmations, and billing statements as proof of your cancellation request and the dates of disputed charges.

How to cancel YourScoreAndMore: three proven methods

YourScoreAndMore provides multiple cancellation pathways, though the company makes some options less obvious than others. Use the method that works best for your situation, but document your action regardless of which option you choose.

Method 1: cancel online via the refund application form

The fastest and most straightforward cancellation route is to submit a cancellation or refund request using YourScoreAndMore's online Refund Application form. This method creates an immediate digital record of your request, which protects you if the company later claims they never received your cancellation.

1. Visit the YourScoreAndMore refund portal at secure.yourscoreandmore.com/refund.html
2. Complete the Refund Application form with your full name, email address, account details, and reason for cancellation
3. Select the cancellation option (as opposed to a refund request if you only want to stop future charges)
4. Submit the form and wait for a confirmation email
5. Save the confirmation email and any reference number provided as proof of your cancellation request

This method typically processes within 5 to 10 business days. However, Tocancel advises you to follow up with an additional email or written letter if you do not receive a confirmation within one week, since digital submissions sometimes fail silently in the company's system.

Method 2: cancel by email

If you prefer to send a cancellation request via email, compose a clear message that includes your full name, account email, the email address associated with your payment method, your billing address, and the explicit statement "I request to cancel my YourScoreAndMore subscription effective immediately." Send this email to the company's customer service address (which you can find on your billing statement or the YourScoreAndMore website homepage).

1. Compose a new email with the subject line "YourScoreAndMore Subscription Cancellation Request"
2. Include your account details and the date of your cancellation request in the body
3. State clearly: "I am requesting cancellation of my YourScoreAndMore account effective immediately"
4. Request written confirmation of your cancellation in the email body
5. Send the email from the same email address registered to your YourScoreAndMore account
6. Save a copy of the email and the timestamp for your records

Email cancellations are legally binding in most jurisdictions, but they are also easier for companies to claim they "never received." For this reason, Tocancel recommends using the online form (Method 1) whenever possible, since the web submission creates a timestamped system record.

Method 3: cancel by certified mail

For the strongest legal protection and a paper trail that cannot be disputed, cancel by sending a certified letter to YourScoreAndMore's legal department. This method takes longer (typically 7 to 14 business days for processing plus mail delivery), but it provides irrefutable proof that you initiated cancellation on a specific date.

1. Compose a cancellation letter on plain paper (or type it) stating your full name, account email, billing address, and the statement: "I request to cancel my YourScoreAndMore subscription effective immediately and request written confirmation of this cancellation"
2. Include the date of your request at the top of the letter
3. Address your letter to: YourScoreAndMore.com, Attention: Legal and Accounting Department, 310 North Westlake Blvd., 200, Thousand Oaks, CA 91362
4. Send the letter via certified mail with return receipt requested
5. Keep the return receipt, a photocopy of your letter, and the certified mail receipt in a safe place

Certified mail creates a legally recognized proof of delivery. If YourScoreAndMore later claims they did not receive your cancellation, the return receipt proves otherwise. This method is your strongest evidence should you need to file a dispute with the Federal Trade Commission or your payment provider.

What happens immediately after you submit your cancellation request

Cancellation is not always instantaneous, and understanding the timeline helps you avoid confusion or panic if charges appear after your request.

The post-cancellation timeline and what to expect

Once you submit your cancellation request, YourScoreAndMore typically requires one to two billing cycles to stop charging your payment method. This means if your billing date is the 15th of each month and you cancel on the 1st, the company may still charge you on the 15th for that current cycle. Your last charge should not appear in the subsequent month if your cancellation was properly processed.

During this waiting period, log into your YourScoreAndMore account (if you still have access) and verify that your subscription status has changed to "Cancelled" or "Pending Cancellation." If your account shows no change after 5 business days, send a follow-up email or resubmit your cancellation request. Some cancellation requests are lost in the company's email inbox, and a second submission ensures your request reaches the right department.

You should receive a cancellation confirmation email within 3 to 5 business days of your request. If you do not receive this email, follow up immediately with Tocancel's recommended escalation steps. Do not assume silence means your cancellation was processed; always obtain written confirmation before considering your subscription closed.

Monitor your bank or credit card statements

After your cancellation effective date, check your bank or credit card statement for any remaining charges. Fraudulent charges or processing errors occasionally slip through even when cancellation is properly submitted. If you see a charge appearing after your cancellation should have taken effect, contact your bank or credit card company immediately and file a dispute. You are protected by your financial institution's chargeback policy, and the burden falls on YourScoreAndMore to prove the charge was authorized.

Tocancel advises you to continue monitoring your statements for 60 to 90 days after cancellation, since some billing systems process late charges from previous cycles. If you spot any charge related to YourScoreAndMore after your cancellation period has ended, that charge is likely unauthorized, and you have the right to dispute it.

Requesting a refund for unauthorized or disputed charges

If YourScoreAndMore charged you without authorization, continued charging after you cancelled, or processed charges while you were unaware of the trial-to-paid conversion, you have the right to request a refund.

How to request a refund from YourScoreAndMore

YourScoreAndMore's online Refund Application form (at secure.yourscoreandmore.com/refund.html) allows you to request a refund of charges you believe were unauthorized or improper. When you fill out this form, select the "Refund Request" option and specify the billing date(s) of the charges you want refunded. The company typically processes refund requests within 10 to 30 business days, though some refunds take longer.

1. Visit the YourScoreAndMore Refund Application portal
2. Provide your full name, account email, and the dates of the charges you want refunded
3. In the reason field, describe why you believe the charge was unauthorized (e.g., "I cancelled before my trial ended" or "I did not authorize recurring charges")
4. Submit the form and save the confirmation email
5. Check your email weekly for a response from the company's refund department
6. If you do not hear back within 15 business days, submit a second refund request or escalate to your payment provider

Be specific about which charges you want refunded. Instead of requesting "all charges," list the exact billing dates and amounts. This specificity strengthens your refund request and prevents the company from claiming confusion about your intent.

File a chargeback or dispute if YourScoreAndMore denies your refund

If YourScoreAndMore ignores your refund request, denies it unreasonably, or takes longer than 30 days to respond, you have the right to file a dispute with your bank or credit card company. This process is called a chargeback or dispute, and your financial institution is legally required to investigate your claim and recover the funds if you have evidence supporting your case.

When you file a chargeback, provide your bank or credit card company with:

• Copies of all cancellation emails or confirmation messages you received
• Screenshots of your account status showing "Cancelled" if available
• Your billing statements showing the disputed charges
• Evidence that you did not authorize recurring charges or that you cancelled before the first charge occurred
• Copies of any refund requests you submitted to YourScoreAndMore and dates you submitted them

Your bank or credit card company will investigate the dispute and typically makes a decision within 30 to 60 days. If you provide clear evidence that you cancelled before charges occurred or did not authorize recurring billing, you have a strong case for a chargeback, and your financial institution will likely reverse the charges in your favor.

Common cancellation mistakes to avoid

Cancellation can feel stressful when you do not know exactly what to do, and small missteps sometimes extend the process or provide YourScoreAndMore with an excuse to deny your cancellation. Avoid these pitfalls to ensure your cancellation is processed smoothly and without delay.

Mistake 1: assuming your trial expired automatically

Many customers believe that their free trial expires automatically without charging their payment method. This is a dangerous assumption with YourScoreAndMore. The trial does not expire automatically; instead, the company converts it to a paid monthly subscription unless you actively cancel before the trial ends. Do not rely on the trial ending on its own. Initiate your cancellation at least 3 to 5 days before your trial end date to ensure it is processed in time.

Mistake 2: cancelling through an unofficial channel

Some customers attempt to cancel by replying to promotional emails, posting on social media, or calling random phone numbers they find online. These methods leave no official record and are easily ignored or lost. Always use the official cancellation channels: the online Refund Application form, a direct email to the customer service address listed on your billing statement, or certified mail to the legal department address provided by Tocancel. Unofficial cancellation attempts are not legally binding and may be denied by the company later.

Mistake 3: failing to request written confirmation

If you cancel via email or phone, always request written confirmation of your cancellation in that same communication. Many customers cancel verbally or via email but do not ask the company to confirm the cancellation in writing. This leaves room for the company to claim the conversation never happened. Always include language like "Please send me a written confirmation of this cancellation request" in any cancellation communication.

Mistake 4: not checking your statement after cancellation

Hundreds of YourScoreAndMore customers cancel successfully but then fail to verify that charges have actually stopped. Do not assume your cancellation worked just because you submitted the request. Check your bank or credit card statement 5 to 10 days after your cancellation should take effect. If a charge appears, dispute it immediately with your bank. Waiting weeks or months to check your statement makes your dispute harder to prove and may push you past your bank's chargeback time limits.

Mistake 5: deleting cancellation emails or confirmation messages

Keep every email related to your cancellation attempt, including your outgoing cancellation requests, company responses, and billing statements. These documents are your legal proof if you need to file a dispute with the Federal Trade Commission or your bank. Screenshot your account status page showing "Cancelled" as well. Create a dedicated folder on your computer or in your email labeled "YourScoreAndMore Cancellation" and save everything there.

Comparing YourScoreAndMore to free and low-cost alternatives

Before you commit to cancelling, consider whether a different credit monitoring service better meets your needs. Several free and paid alternatives offer similar features at significantly lower cost or no cost at all.

If you primarily want to monitor your credit score and receive alerts for suspicious activity, free services like Credit Karma or AnnualCreditReport.com provide these features at no cost. If you need full identity protection including recovery assistance if theft occurs, a premium service may be worth the expense, but $39.94 per month is not competitive compared to alternatives like LifeLock or IDShield, which offer more comprehensive features at similar prices. Tocancel recommends comparing these options before you cancel, so your money is not wasted on a service you do not need.

What to do if YourScoreAndMore refuses to cancel or refund

Despite your best efforts, some companies resist or ignore cancellation requests, hoping customers will give up. If YourScoreAndMore refuses to honour your cancellation or denies your refund request unreasonably, you have escalation paths available.

File a complaint with the federal trade commission

The Federal Trade Commission (FTC) is the federal agency responsible for enforcing consumer protection laws, including ROSCA. You can file a free complaint at ReportFraud.ftc.gov if YourScoreAndMore:

• Charged you without clear, written consent for recurring billing
• Made cancellation unreasonably difficult or inconvenient
• Continued charging you after you cancelled
• Ignored your cancellation requests for more than 30 days
• Refused to provide a refund for unauthorized charges

The FTC does not resolve individual complaints directly, but it investigates patterns of consumer harm. If many customers file complaints about the same company for the same violation, the FTC may launch an enforcement action and force the company to refund harmed consumers. Your complaint matters and contributes to the broader regulatory record.

Contact your state attorney general

Your state attorney general's office has consumer protection authority and can investigate deceptive billing practices in your state. Many states have laws that exceed federal ROSCA protections, and your state AG may be able to force YourScoreAndMore to refund charges or stop illegal practices. Visit your state's official website, find the Attorney General's office, and submit a consumer complaint through their online portal.

File a chargeback with your financial institution

As discussed earlier, you have the unilateral right to dispute charges with your bank or credit card company. You do not need YourScoreAndMore's permission or cooperation. If the company refuses to refund you after you cancelled, file a chargeback immediately. Provide your bank with all documentation proving your cancellation request and the unauthorized charges. Your bank will investigate and rule in your favour if the evidence supports you.

Your post-cancellation checklist

Use this checklist to ensure your cancellation is complete and you are protected:

• Submit your cancellation request using the YourScoreAndMore online form, email, or certified mail
• Receive and save written confirmation of your cancellation
• Record the exact date and method of your cancellation request
• Verify your account status shows "Cancelled" or "Pending Cancellation" within 5 business days
• Check your bank or credit card statement 7 to 10 days after your cancellation effective date
• File a chargeback or dispute immediately if any YourScoreAndMore charges appear after cancellation
• Continue monitoring your statements for 90 days to catch any delayed charges
• Keep all cancellation-related emails, confirmation messages, and receipts for at least one year
• If refund is promised, verify the refund appears in your account within 30 days
• File a complaint with the Federal Trade Commission if the company ignores your cancellation or refund request

Contact information and mailing address for YourScoreAndMore

Use these contact details to submit your cancellation request or escalate unresolved issues:

YourScoreAndMore Legal Department (Certified Mail)
YourScoreAndMore.com
Attention: Legal and Accounting Department
310 North Westlake Blvd., 200
Thousand Oaks, CA 91362
United States

Online Refund Application
secure.yourscoreandmore.com/refund.html

Tocancel has helped thousands of consumers cancel unwanted subscriptions and recover refunds for unauthorized charges. Your cancellation is your right, and you deserve clear, straightforward instructions to exercise that right. Whether you choose to cancel because you found a better service, can no longer afford the monthly fee, or discovered free alternatives that meet your needs, Tocancel is here to support you every step of the way. Start your cancellation today using the method that best suits your situation, document your request carefully, and monitor your statements to ensure the charges stop. If YourScoreAndMore resists your cancellation or refund request, escalate to the Federal Trade Commission, your state attorney general, or your bank. You are in control, and Tocancel empowers you to take confident action.