How to cancel Manage Your Scores and claim your refund rights
What Manage Your Scores is and why cancellation matters
Manage Your Scores is a subscription-based credit monitoring service operated through scoresmatter.co.uk. It provides access to your credit report and score from major UK credit reference agencies, sends you alerts when your credit file changes, and offers tools to help you understand your creditworthiness. Like most subscription services, Manage Your Scores renews automatically each month unless you take active steps to cancel.
If you've decided the service no longer suits your needs, you're entitled to cancel under UK consumer law. Whether you've resolved your credit issues, found a cheaper alternative, or simply prefer to manage your credit independently, Yafee has compiled this guide to walk you through every step of the cancellation process with confidence.
When you should consider cancelling
You might want to cancel if you no longer need regular credit monitoring, you're unhappy with the service quality, you've found a competitor offering better value, or you're concerned about the automatic renewal charges on your bank statement. Many customers cancel after resolving credit disputes or when they realise they can access their credit score for free through the UK's official Experian, Equifax, or TransUnion portals.
The automatic renewal risk
Manage Your Scores operates on a rolling monthly contract with automatic renewal. This means your subscription continues indefinitely and your payment method is charged each month unless you actively cancel before your renewal date. If you forget to cancel, you'll continue paying the monthly fee. Yafee helps thousands of UK consumers avoid this trap by providing clear, actionable cancellation steps.
Manage Your Scores pricing and what you're paying
Understanding your subscription cost structure helps you make an informed decision about whether cancellation is right for your finances.
Subscription tiers and billing breakdown
Manage Your Scores operates primarily on a monthly rolling contract with recurring payments charged to your registered payment method. The exact pricing may vary depending on the service tier you selected when you signed up, but most subscribers pay a fixed monthly fee.
| Subscription tier |
Billing frequency |
Contract type |
Renewal process |
| Standard monthly |
Monthly recurring charge |
Rolling contract |
Automatic unless you cancel |
| Trial period (if applicable) |
Free or discounted for set days |
Trial contract with specific terms |
Converts to standard terms unless cancelled before expiry |
| Annual plan (if available) |
Yearly lump sum payment |
Fixed term then rolling |
Renews annually unless cancelled |
How to verify what you're being charged
Before you proceed with cancellation, check your last bank or card statement to confirm exactly what Manage Your Scores has charged you. Look for any recurring transactions under the company name or "scoresmatter". If you signed up for a trial period, verify whether you were charged when the trial ended or whether a full monthly charge was applied. Keep this evidence; you may need it to support a refund claim if you dispute a charge.
Your consumer rights when cancelling Manage Your Scores
UK law grants you specific cancellation and refund rights that protect your interests when you decide to end your subscription.
The consumer rights act 2015 and your 14-day cooling-off period
The Consumer Rights Act 2015 establishes your legal right to cancel a subscription contract within 14 calendar days of purchase, provided you have not received the full service. This is known as your "cooling-off period" and it applies even if you have already started using the service during those 14 days.
If you're within 14 days of signing up to Manage Your Scores, you are entitled to a full refund with no questions asked and no penalty. The company must process this refund without unreasonable delay, typically within 14 days of receiving your cancellation notice. Keep your original purchase confirmation email and bank statement to prove your purchase date if the company challenges your claim.
Consumer contracts regulations 2013 and cancellation transparency
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 require Manage Your Scores to provide you with clear, accessible information about how to cancel. The company must offer you an easy cancellation method; they cannot make it deliberately difficult or obscure. If they impose unreasonable barriers to cancellation, this may breach the regulation.
Furthermore, the company must confirm your cancellation in writing without unreasonable delay. If they refuse to cancel your account or do not acknowledge your request, you have grounds to escalate to the Financial Conduct Authority (FCA) or Citizens Advice Consumer Service.
Your legal position: post-14-day cancellation
If you are beyond the 14-day cooling-off period, you may still have cancellation rights under your contract terms. Most rolling subscription contracts allow you to cancel with notice at any point, though you remain liable for charges up to the cancellation date. Yafee recommends checking your service terms and conditions or contacting the company directly to establish your exact cancellation rights and any notice period required. In practice, most UK subscription services allow immediate cancellation with effect from the next billing date.
How to cancel Manage Your Scores step by step
Follow these precise steps to cancel your account and secure confirmation of your cancellation request.
Step 1: locate the cancellation form or method
Manage Your Scores does not operate a straightforward online cancellation portal on their website. Instead, you must submit a written cancellation request via post to the Companies House address or contact their service desk to request a cancellation form. Visit scoresmatter.co.uk and navigate to their Help or Contact section to confirm the current cancellation procedure, as processes may change.
- Visit scoresmatter.co.uk and go to the Help, Contact, or Account Settings section
- Look for a "Cancel your account" or "Close your account" link
- If no online form exists, locate the postal address for cancellation requests
- Take a screenshot or note the exact instructions provided
Step 2: prepare your cancellation request document
Prepare a formal written request to cancel your account. This letter must include your full name, registered email address, account number (if you have it), and a clear statement that you wish to cancel your subscription with immediate effect or from your next billing date. Include the date of your request and keep a copy for your records.
- Write a letter or email addressed to Manage Your Scores or Companies House (as directed)
- State your full name and the email address registered with your account
- Include your account or customer reference number if available
- Write: "I request immediate cancellation of my Manage Your Scores subscription with effect from today (or the next billing date)"
- State the date of your request
- Sign the letter (if posting) or send as a signed email
Step 3: submit your cancellation request by post
Post your cancellation letter to the Companies House address provided on the scoresmatter.co.uk website or contact their service desk. Use Royal Mail Special Delivery or Signed For to ensure proof of delivery. Include your full name and registered email address on the envelope.
- Address the letter to Companies House Cancellation Team or the address specified on their website
- Post via Royal Mail Special Delivery Guaranteed by 1pm (allows tracking and proof of delivery)
- Keep your Special Delivery receipt as evidence of posting
- Note the date you posted the letter
Step 4: follow up and confirm cancellation
Manage Your Scores must acknowledge your cancellation request within 14 days. If you posted your request via Special Delivery, the company should confirm cancellation in writing to your registered email address or postal address within this timeframe.
- Wait 5-7 working days after posting
- Check your email inbox (including spam folder) for cancellation confirmation
- Verify that the confirmation includes the date your cancellation takes effect
- Check your bank or card statement on your next billing date to confirm no further charges are applied
- If you receive no confirmation after 14 days, contact the company or escalate to the FCA
Step 5: verify that charges have stopped
Monitor your bank or card statement for 2-3 billing cycles after your expected cancellation date. You should see no further recurring charges from Manage Your Scores after your cancellation takes effect. If charges continue after your confirmed cancellation date, contact your bank or card issuer immediately and file a dispute.
Refunds and what to expect after cancellation
Your refund eligibility depends on when you cancel and whether you are within your legal cooling-off period.
If you cancel within 14 days of purchase
You are entitled to a full refund of all charges paid under the Consumer Rights Act 2015. The company must process this refund without unreasonable delay, typically within 14 calendar days of receiving your cancellation notice. The refund should be returned to your original payment method. If the company refuses to refund you after 14 days, escalate to Citizens Advice Consumer Service or the FCA.
If you cancel after 14 days
Once you are beyond the 14-day cooling-off period, you are only entitled to a refund for charges incurred after your cancellation takes effect. You remain liable for all charges up to your cancellation date. Consequently, if you cancel mid-month, you typically remain liable for the full monthly charge for that month, with cancellation taking effect from the next billing cycle.
However, if the company has failed to provide you with clear cancellation information or has made cancellation deliberately difficult, you may have grounds to claim a refund for post-14-day charges. Yafee advises that you contact the company in writing to request a refund, citing their failure to comply with the Consumer Contracts Regulations 2013.
Tracking your refund
Keep a record of the date you submitted your cancellation request and the company's confirmation. If a refund is due, request a refund confirmation letter from the company that includes the refund amount and expected processing date. Check your bank statement 14-21 days after the company confirms the refund; if it has not appeared, contact your bank and request a trace of the refund.
Common cancellation mistakes to avoid
Most cancellation problems arise from incomplete information or failure to follow up. You can avoid these entirely by taking methodical action now.
Mistake 1: confusing cancellation with account suspension
Do not assume that stopping your use of Manage Your Scores will stop your charges. You must actively cancel your account. Suspending your account or simply logging out does not prevent automatic renewal. Always submit an explicit written cancellation request.
Mistake 2: posting your request without tracking proof
If you post your cancellation request via standard Royal Mail, you have no proof that the company received it. Use Royal Mail Special Delivery Guaranteed by 1pm; it includes proof of delivery to the recipient's address. Without this evidence, you cannot prove you submitted your cancellation on a specific date if the company denies receiving it.
Mistake 3: cancelling without keeping evidence
Save every email confirmation, bank statement, and Special Delivery receipt related to your cancellation. If you need to dispute a post-cancellation charge or claim a refund, you will need this evidence to support your position. Take screenshots of any online cancellation forms or confirmation pages.
Mistake 4: assuming the company will refund you automatically
Many companies do not issue refunds for post-14-day cancellations unless you explicitly request them. Write to the company in your cancellation letter and ask for a refund of any remaining balance on your account. Do not assume they will offer one without being asked.
What to do after you cancel Manage Your Scores
Once your cancellation is confirmed, take these steps to protect yourself and manage your credit independently.
Monitor your bank statements
Check your bank or card statement for 2-3 billing cycles after your cancellation takes effect. Confirm that no further charges appear from Manage Your Scores. If a charge appears after your confirmed cancellation date, contact your bank or card issuer immediately and file a dispute, referencing your cancellation confirmation letter.
Access your credit file for free
You can check your credit report and score for free through Clearscore, Money Dashboard, or by requesting a statutory credit report directly from Equifax, Experian, or TransUnion. These services allow you to monitor your credit without paying a subscription. Yafee recommends setting a reminder to check your credit file once per year to catch any errors or fraudulent activity.
Dispute any post-cancellation charges
If the company charges you after your cancellation takes effect, contact your bank or card issuer immediately. Request a chargeback or dispute, explaining that you cancelled your subscription and have evidence (your cancellation confirmation letter). Your bank can reverse the charge within 8 weeks of the transaction date if they agree it was unauthorised.
Cancellation timing and important dates
Understanding the timeline protects your interests and ensures you do not pay more than necessary.
| Timeline event |
Deadline |
Your action |
| Cooling-off period ends |
14 days from purchase |
Cancel immediately if you want a full refund |
| Company must acknowledge cancellation |
14 days from receipt of request |
Follow up if no confirmation received |
| Refund must be processed |
14 calendar days from cancellation confirmation |
Check bank statement and chase if missing |
| Final charge applied to account |
Your cancellation date or end of billing period |
Verify charges cease after this date |
| Chargeback dispute window (if needed) |
8 weeks from transaction date |
Contact bank within this window to dispute unauthorised charges |
Comparison: Manage Your Scores versus free alternatives
Before you cancel, consider whether a free alternative better serves your needs.
| Service |
Cost |
Credit score access |
Alerts and monitoring |
| Manage Your Scores |
Monthly fee |
Yes, from major agencies |
Yes, automatic renewal |
| Clearscore |
Free |
Yes (Equifax) |
Yes, alerts included |
| Money Dashboard |
Free |
Yes (multiple agencies) |
Limited alerts |
| Statutory credit report (direct request) |
Free (2 pound statutory fee waived by most agencies) |
Yes, full detailed report |
No automatic alerts |
| Bank credit score tools |
Free |
Yes (varies by bank) |
Limited or none |
If the company refuses to cancel your account
In accordance with UK consumer law, Manage Your Scores must process your cancellation request. If the company refuses or ignores your cancellation, you have escalation routes available.
Step 1: contact the company in writing
Send a formal letter by Special Delivery to Manage Your Scores or Companies House (via scoresmatter.co.uk's registered address) requesting cancellation and referencing the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013. State that you expect confirmation within 14 days or you will escalate to the regulatory authority.
Step 2: escalate to the financial conduct authority (FCA)
If the company does not respond within 14 days, file a complaint with the Financial Conduct Authority (FCA) at the Financial Ombudsman Service (FOS). You can complain online at financial-ombudsman.org.uk. The FOS will investigate whether the company has breached consumer protection law and can order them to cancel your account and refund any charges you have unlawfully paid.
Step 3: escalate to citizens advice consumer service
Citizens Advice Consumer Service (citizensadvice.org.uk) offers free consumer advice and can escalate complaints to the relevant regulator. They can also advise whether you have grounds to claim damages if the company has caused you financial loss through unlawful charges.
Manage Your Scores cancellation checklist
Use this checklist to ensure you complete every necessary step and retain all evidence.
- Verify your purchase date and current billing cycle on your bank statement
- Check scoresmatter.co.uk for the current cancellation method or postal address
- Prepare a formal written cancellation request with your full name and account details
- Post your request via Royal Mail Special Delivery and keep the receipt
- Note the date you posted your cancellation request
- Wait for written confirmation from the company (expect 5-14 days)
- Verify that no charges appear on your bank statement after the cancellation date
- Check for any post-cancellation charges within 2-3 billing cycles
- If you are within 14 days of purchase, request a full refund in writing
- If a post-cancellation charge appears, file a chargeback dispute with your bank within 8 weeks
- Save all emails, letters, bank statements, and Special Delivery receipts for 12 months
To cancel Manage Your Scores, post your written request to the Companies House address provided on scoresmatter.co.uk, or contact their service desk directly to request a cancellation form. Use Royal Mail Special Delivery Guaranteed by 1pm to ensure proof of delivery. The company must confirm your cancellation within 14 days and must cease charging you on or before your next billing date.
If you need further support navigating your cancellation or wish to understand your rights in more detail, Yafee has helped thousands of UK consumers cancel subscription services by providing clear, legally grounded guidance. Visit yafee.com to access additional resources on consumer rights, subscription cancellations, and refund claims. Yafee's expert team can also review your cancellation correspondence if the company refuses to process your request or disputes your right to cancel.
Remember: you have legal rights under the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013. If Manage Your Scores fails to cancel your account or continues to charge you after cancellation, escalate to the Financial Ombudsman Service or Citizens Advice Consumer Service without delay. Yafee recommends that you keep all evidence of your cancellation request and take action within 14 days if you wish to claim a full refund. Your cancellation is a legal right, not a request for permission.