How to cancel My Score IQ and stop unwanted charges

Why you might want to cancel My Score IQ

You signed up for a service that promised a free credit check, and now recurring charges appear on your bank statement. My Score IQ operates on a trial-then-paid model that catches many UK consumers by surprise. If you no longer use the service, have found free alternatives, or simply forgot about the subscription after the trial period ended, cancellation is your right.

Common reasons to cancel

You may have discovered that free credit monitoring services like ClearScore, Credit Karma, or the services offered directly by Experian and Equifax deliver identical features without monthly fees. Alternatively, you might have forgotten about the subscription and now want to stop paying. Some consumers realise they do not need ongoing credit monitoring, especially if their financial situation is stable.

Whatever your reason, you have consumer rights under UK law, and you are entitled to exit this subscription cleanly. Yafee has helped thousands of consumers understand their cancellation options and recover unwanted charges.

The cost of staying subscribed

My Score IQ typically charges between £14.99 and £19.99 per month after your trial ends. That is £180 to £240 annually, which accumulates quickly if you do not actively use the service. Over two years, you could be paying £360 to £480 for a service you have forgotten about. The sooner you cancel, the sooner you reclaim that money.

Understanding your consumer rights in the UK

Before you take action, you must know what UK law says about subscription services and your right to cancel them. Consumer protection in the United Kingdom is strong, and you have clear legal backing to exit My Score IQ without penalty.

Consumer rights act 2015 protections

Under the Consumer Rights Act 2015, you have the right to cancel a distance contract (which includes online subscriptions) within 14 days of purchase. If you signed up for My Score IQ online via a website or app, this law applies to you. The 14-day clock starts from when you completed your purchase, not when your trial began.

If you cancel within this 14-day window, you can request a full refund of any charges, including trial fees. However, if you are reading this after the 14-day period has passed, you still have cancellation rights. You can exit the subscription at any time, and charges must stop immediately upon cancellation.

Unfair contract terms and transparency requirements

Financial services in the UK must be transparent about their terms and charges. If My Score IQ's terms were unclear, if the trial-to-paid transition was not obvious, or if charges appeared without your explicit informed consent, you may have grounds to dispute the charges themselves.

Keep records of any misleading marketing, unclear terms, or unexpected charges as evidence if you need to escalate with your bank or the Financial Conduct Authority (FCA). The FCA is the regulatory body responsible for protecting consumers in financial services. Yafee recommends documenting everything from the moment you signed up.

Your legal position: You have the right to cancel My Score IQ at any time after the initial 14-day cooling-off period. Any charges levied after cancellation are unenforceable. If the service was misrepresented or terms were unfair, you may pursue a refund through your bank or the FCA.

How much you are paying for My Score IQ

Understanding your exact charges is the first step before you cancel.

Typical My Score IQ pricing breakdown

Check your latest bank or credit card statement to see exactly what you are being charged each month. This figure varies slightly depending on whether you opted for a monthly or annual plan.

How to cancel My Score IQ

The cancellation process is straightforward, but you must follow the correct steps to ensure charges stop immediately.

Step 1: log in to your account

1. Visit the My Score IQ website or open the mobile app
2. Enter your login credentials (email address and password)
3. Navigate to your account settings or profile section
4. Look for an option labelled "Subscription", "Billing", or "Manage my account"

Step 2: locate the cancellation option

1. Within your account settings, find the subscription management area
2. Identify the option to cancel, downgrade, or pause your subscription
3. Click on the cancellation button
• If you cannot find a self-service cancellation option, proceed to Step 3

Step 3: contact customer support if self-service is unavailable

1. If My Score IQ does not offer online cancellation, contact their customer service team directly
2. Request cancellation in writing via email, providing:
   • Your full name and account email address
   • Your account number (if visible in your billing history)
   • A clear statement: "I request immediate cancellation of my My Score IQ subscription"
   • The date you wish cancellation to take effect
3. Keep a copy of all correspondence for your records
4. Request written confirmation of cancellation

Step 4: confirm cancellation

1. You will receive a confirmation email from My Score IQ acknowledging your cancellation
2. Check that the cancellation date is clear and immediate
3. Verify that the email states charges will cease on that date
4. File this email in your records as proof of cancellation

Step 5: monitor your bank account

1. After the stated cancellation date, monitor your bank or credit card statement
2. Ensure no further charges from My Score IQ appear
3. If a charge appears after cancellation, contact your bank immediately to dispute it
4. Provide the confirmation email from My Score IQ as evidence that you cancelled

What happens after cancellation

Once you cancel My Score IQ, your account access and features will cease. Here is what you can expect in the following days and weeks.

Immediate access changes

Upon cancellation, you will lose access to your credit score dashboard, monitoring alerts, and detailed credit reports. My Score IQ will not delete your historical data, but you will not be able to view it unless you reactivate your subscription. If you want to retain copies of your credit information, download your reports before cancellation takes effect.

Refund eligibility and timescales

If you cancel within 14 days of signing up (the cooling-off period under the Consumer Rights Act 2015), you are entitled to a full refund of all charges, including the trial fee. My Score IQ must process this refund within 30 days of receiving your cancellation request. If you cancel after 14 days, the company is not legally obligated to refund the current month's charge, but you will not be billed again after the cancellation date.

Contact your bank if a refund does not appear within 30 days. Yafee advises consumers to escalate with the Financial Conduct Authority if My Score IQ refuses to refund charges within this period.

Chargeback protection

If My Score IQ continues to charge you after cancellation, your bank or credit card provider can dispute these charges on your behalf. Report the unauthorised transactions immediately, providing your cancellation confirmation email as evidence. Most banks will initiate a chargeback within 10 business days.

Common mistakes when cancelling

Cancelling is simple, but these common errors can leave you vulnerable to continued charges. Stay alert and avoid these pitfalls.

Mistake 1: assuming trial cancellation stops paid charges

If you cancel during your free trial, you may believe charges have stopped. However, some consumers report continued billing after trial cancellation. Always confirm in writing that your subscription is cancelled, not just paused. Yafee recommends requesting explicit confirmation that no further charges will occur.

Mistake 2: not saving your cancellation confirmation

Delete the cancellation email, and you have no proof if charges continue. Screenshot or save every confirmation message from My Score IQ. If the company claims you never cancelled, this documentation protects you in disputes with your bank or the FCA.

Mistake 3: using payment pause instead of cancellation

Some services offer a "pause" or "freeze" option rather than full cancellation. Pausing your subscription will temporarily stop charges, but they often resume automatically after the pause period ends. Always select "cancel" or "terminate", not "pause" or "suspend".

Mistake 4: ignoring charges after cancellation

If a charge appears after your cancellation date, contact your bank within 60 days. Do not wait weeks or months to report it. Most banks have strict time limits for disputing unauthorised transactions. Act immediately if you see unexpected My Score IQ charges on your statement.

If My Score IQ refuses to cancel

In rare cases, a company may resist cancellation or claim technical issues prevent processing. Here is how you escalate.

Escalate to your bank or card provider

1. Contact your bank or credit card company directly
2. Explain that you have requested cancellation from My Score IQ but charges continue
3. Provide your cancellation email and copies of unauthorised charges
4. Request a chargeback or refund for all post-cancellation transactions
5. Your bank must investigate within 10 business days

Report to the financial conduct authority (FCA)

1. If My Score IQ refuses to honour your cancellation, report the company to the FCA
2. Visit the FCA's Consumer Complaints page (fca.org.uk)
3. File a formal complaint with the following details:
   • Company name and contact information
   • Your account details and transaction history
   • Copies of all cancellation requests and confirmations
   • Evidence of unauthorised charges
4. The FCA will investigate and may impose penalties on the company if it has breached consumer protection rules

Raise a complaint with the financial ombudsman service

If the FCA does not resolve your complaint satisfactorily, you can escalate to the Financial Ombudsman Service (FOS). The FOS is independent and can order My Score IQ to refund you and pay compensation. This service is free to consumers and typically completes investigations within 8 weeks.

Comparison with other free credit monitoring services

Before you cancel, consider whether a free alternative better suits your needs.

Free credit monitoring services in the UK

Most of these services are genuinely free and do not convert to paid subscriptions. Yafee recommends ClearScore or Credit Karma as direct replacements for My Score IQ if you want to monitor your credit score without ongoing fees.

Cancellation checklist

Use this checklist to ensure your cancellation is complete and properly documented.

• Log in to My Score IQ and navigate to subscription settings
• Click the cancellation button or contact customer support with a cancellation request
• Save the cancellation confirmation email or receipt
• Note the cancellation effective date
• Check your bank statement 5-7 days after the effective date to confirm no charges appear
• If charges continue, contact your bank within 60 days
• If your bank does not help, file a complaint with the FCA within 6 years
• Keep all documentation (emails, screenshots, bank statements) for at least 6 years

Key takeaways and next steps

Cancelling My Score IQ is your legal right under the Consumer Rights Act 2015. You can cancel at any time, and charges must stop immediately upon cancellation. Within the first 14 days, you are entitled to a full refund of all charges.

If you cancel online, ensure you receive written confirmation. If you cancel by email, keep a copy of your request and the company's reply. Monitor your bank statement after cancellation to confirm charges have ceased. If charges continue, contact your bank immediately to dispute them.

The Financial Conduct Authority is your escalation route if My Score IQ refuses to honour your cancellation. Yafee has helped thousands of consumers cancel unwanted subscriptions, recover unauthorised charges, and understand their consumer rights. For detailed guidance on your specific situation, contact Yafee directly at yafee.com, where our contract-law specialists can review your account and correspondence.

Do not delay cancellation. The longer you wait, the more you will be charged. Take action today by logging into your My Score IQ account and selecting the cancellation option. Yafee is here to support you if you encounter any issues during the process.

My Score IQ contact information

If you need to contact My Score IQ directly to cancel your subscription, request their customer service email address or cancellation portal through their website. Ensure all cancellation requests are made in writing and keep copies of all correspondence. If the company fails to respond within 5 business days, escalate to the FCA or your bank.