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Frequently asked questions
Cancel Yourdigiscores: The Right Way
How to cancel Yourdigiscores and stop monthly credit monitoring charges
About Yourdigiscores and why you might cancel
Yourdigiscores is a UK-based credit monitoring service that provides access to your credit reports and scores from multiple credit reference agencies. The platform helps you track your creditworthiness, monitor for identity fraud, and understand your financial position in real time. Like most subscription services in the credit monitoring sector, Yourdigiscores operates on a monthly recurring basis, charging you a fixed fee for continuous access to its credit information and monitoring tools.
The critical detail you need to know is this: Yourdigiscores operates on an auto-renewal basis. Your subscription continues indefinitely until you actively cancel it yourself. This catches many subscribers off guard, particularly those who signed up during a free trial or promotional period and assumed the subscription would simply end. Over time, the recurring charge accumulates, and you may have paid far more than you anticipated.
People cancel Yourdigiscores for several straightforward reasons. You may have completed the financial goal that prompted you to sign up, whether that was preparing for a mortgage application, improving your credit score, or conducting a one-off credit check. Alternatively, you might have discovered that you can access your statutory credit report for free under UK law, making the paid subscription feel unnecessary. Whatever your reason, cancelling is straightforward once you understand the process.
Who uses Yourdigiscores and when they typically cancel
Yourdigiscores attracts people preparing for major financial decisions or those who want ongoing peace of mind about their credit file. Many subscribers discover, however, that after three to six months of monitoring, they have gathered the information they need. At that point, continuing to pay feels wasteful, and that is a perfectly valid reason to cancel.
Additionally, some members realise they prefer free alternatives. You are entitled by law to one free statutory credit report annually from the credit reference agencies. Services like Clearscore and Noddle provide basic credit monitoring without subscription fees. Once you have understood your credit position using Yourdigiscores, switching to a free service or cancelling altogether makes financial sense.
What Yourdigiscores actually costs
Yourdigiscores operates on a monthly subscription model, though exact pricing fluctuates based on promotional offers and the specific features in each plan tier. When you sign up, you might enjoy an introductory rate or free trial period. The moment that offer ends, your subscription typically jumps to the full monthly price, and that is when many people decide to cancel.
| Cost factor | What to expect |
|---|---|
| Initial offer | Free trial or heavily discounted introductory rate (typically 7-30 days) |
| Full monthly price | Varies by plan; typically GBP 9.99-GBP 19.99 per month |
| Auto-renewal | Charged automatically on your billing date unless you cancel before renewal |
| Payment method | Debit card, credit card, or PayPal (depending on account setup) |
| Billing frequency | Monthly; some plans may offer annual options at a discount |
| Cancellation impact | Access stops immediately upon cancellation; no refund for unused month |
Your consumer rights and what the law says about cancellation
The UK Consumer Rights Act 2015 is your strongest ally when cancelling Yourdigiscores. This legislation protects you as a consumer purchasing services at a distance (including online subscription services).
Your legal position under UK consumer law
Under the Consumer Rights Act 2015, you have the legal right to cancel a distance contract within 14 calendar days of purchase, provided you are acting as a consumer rather than a business. For subscription services like Yourdigiscores, the cancellation period begins when you first make the purchase or sign up. If you signed up during a free trial and the subscription converted to a paid plan, the 14-day clock starts from when you first entered into the contract, not when the free period ended.
Furthermore, under the Consumer Contracts Regulations 2013 (which sit alongside the Consumer Rights Act 2015), you have a statutory right to cancel a subscription within 14 days of purchase without incurring a penalty, provided you have not already used the service extensively. However, once you have moved beyond the initial 14-day cancellation period, you may still cancel your subscription at any time, but you remain liable for the current billing period.
In accordance with the Distance Selling Directive, Yourdigiscores must provide you with clear information about how to cancel before you purchase. The company should display cancellation instructions on its website, in its terms and conditions, or in confirmation emails. If Yourdigiscores fails to provide this information clearly, you may have grounds to lodge a complaint with the Financial Conduct Authority (FCA) or, for general consumer protection breaches, the Competition and Markets Authority (CMA).
Your position after the 14-day cancellation period
After the initial 14-day period has elapsed, you move into the standard cancellation phase. At this point, you can still cancel your subscription, but you do so outside the statutory cooling-off period. Nevertheless, the company must allow you to cancel, and you remain entitled to cancel at any time without penalty, provided you give the notice required by your contract (typically one billing cycle or immediate, depending on the terms).
Yourdigiscores must not make cancellation deliberately difficult. If the company buries the cancellation option or requires you to call a premium-rate number, this may breach the Consumer Rights Act 2015, and you should report it to Yafee, which has helped thousands of consumers cancel problematic subscriptions and challenge unfair terms. Yafee specialises in supporting consumers who face barriers to cancellation.
Methods to cancel Yourdigiscores
Yourdigiscores provides multiple cancellation routes, and you should choose the method that leaves you with the clearest audit trail.
Cancel via the Yourdigiscores website (online account portal)
The quickest and most straightforward method is to cancel directly through your Yourdigiscores account online. This method generates an immediate confirmation and leaves a digital record of your cancellation request.
- Log in to your Yourdigiscores account using your email address and password.
- Navigate to the "Account Settings" or "Subscription Management" section (usually found in your profile or dashboard menu).
- Locate the "Cancel Subscription" or "Manage Plan" option.
- Select the cancellation option and follow the on-screen prompts.
- Yourdigiscores may present a retention offer (such as a discount or pause option); you can accept this or proceed with cancellation.
- Confirm your cancellation by clicking the final confirmation button.
- You should receive an email confirmation within minutes. Save this email for your records.
Cancel by written request to the registered office address
If you prefer a formal, documented approach or if the online portal is not functioning, you can cancel by sending a written request to Yourdigiscores' registered office. This method creates a postal record and is particularly useful if you later need to dispute a charge.
- Prepare a letter (or email) addressed to Yourdigiscores' customer service team or compliance department.
- Include the following details:
- Your full name and email address associated with the account.
- Your Yourdigiscores account number (if you have it).
- A clear statement: "I wish to cancel my Yourdigiscores subscription with immediate effect" or "I wish to cancel my Yourdigiscores subscription as of [specific date]."
- Your preferred cancellation date (you can request immediate cancellation or give notice for a future date).
- The date you are sending the request.
- Send the letter by Royal Mail Special Delivery or a tracked courier service to the Yourdigiscores registered office address (see the final section for current contact details).
- Request a proof of delivery or signature confirmation.
- Keep a copy of the letter and proof of delivery for your records.
Cancel via email (with evidence of delivery)
If Yourdigiscores provides a customer service email address, you can send a formal cancellation request by email. Whilst email is faster than post, ensure you request a read receipt or send from an account that provides delivery confirmation.
- Draft an email with the same details outlined in the written request method above.
- Send the email to the customer service or cancellations email address listed on the Yourdigiscores website.
- Request a read receipt or delivery confirmation (in Outlook or Gmail, enable "Request Read Receipt" or "Ask for Delivery Confirmation").
- Save the sent email and any confirmation in a dedicated folder.
- Keep the read receipt as proof of delivery.
Step-by-step guide to cancel your Yourdigiscores subscription
Follow this detailed procedure to ensure your cancellation is processed correctly and recorded by Yourdigiscores.
Step 1: gather your account details before you cancel
Before you initiate cancellation, collect the following information so you can include it in your request and cross-reference it later:
- Your email address registered with Yourdigiscores.
- Your account number (if visible on your account dashboard or billing emails).
- Your current billing date (the date you are charged each month).
- Your payment method (the card or PayPal account being charged).
- The date you signed up or the date of your first charge.
Step 2: check your contract terms for cancellation notice periods
Review your Yourdigiscores terms and conditions (usually available as a PDF on their website or in your signup confirmation email) to confirm whether the company requires a specific notice period before cancellation takes effect. Most monthly subscriptions allow immediate cancellation, but some may require notice one billing cycle in advance. Knowing this detail prevents disputes later.
Step 3: choose your cancellation method and submit your request
Select the most appropriate cancellation method from the options outlined above. If you want the fastest result, use the online portal. If you want the strongest legal record, use Royal Mail Special Delivery or tracked email. If the website portal is not working, use the written request option immediately.
Step 4: wait for confirmation and verify cancellation
After you submit your cancellation request, Yourdigiscores should send you a confirmation email or letter within 24-48 hours. This confirmation should state the cancellation date and confirm that your subscription will no longer renew. Save this confirmation in a secure folder alongside the copy of your cancellation request.
Step 5: check your account access and final billing
After your cancellation takes effect, log back into your Yourdigiscores account to verify that your access has been terminated or that your subscription status shows "Cancelled". Check your next billing statement or card transaction to confirm that no charge appears after your cancellation date. If a charge does appear after the confirmed cancellation date, escalate the matter immediately.
Understanding refunds and what happens to your final billing period
Refund policy for Yourdigiscores depends on when you cancel relative to your billing cycle and whether you fall within the 14-day statutory cooling-off period.
Refunds within 14 days of purchase (statutory right)
If you cancel within 14 calendar days of your first payment (or the start of your subscription), you have a statutory right to a refund under the Consumer Rights Act 2015, provided you have not made substantial use of the service. Yourdigiscores should refund your payment within 14 days of receiving your cancellation request. The refund should be credited to the original payment method (your card or PayPal account).
Refunds after 14 days (contractual terms apply)
Once you move beyond the 14-day period, your right to a refund depends on what your contract with Yourdigiscores states. In most cases, monthly subscription services operate on a "no refund for unused portion of the month" basis. Consequently, if you cancel on the 20th of the month and you are not due to be charged again until the 25th, you will not receive a refund for the remaining five days.
Nevertheless, if Yourdigiscores has failed to provide clear cancellation information upfront, or if the company makes cancellation unreasonably difficult, you may have a claim for damages or compensation under the Consumer Rights Act 2015. In such cases, contact the Trading Standards Service in your local area or escalate to the Citizens Advice Consumer Service.
What to do if you are charged after cancellation
If Yourdigiscores charges you after your confirmed cancellation date, you should:
- Gather evidence: collect your cancellation confirmation email, proof of delivery, and the unwanted charge on your statement.
- Contact Yourdigiscores immediately: email or write to the company explaining that you cancelled on [date], provide your confirmation reference, and request an immediate refund of the unwanted charge.
- Request a written response: ask Yourdigiscores to confirm receipt of your refund request and provide a timeline for processing.
- Report the breach: if Yourdigiscores refuses to refund the unwanted charge within 14 days, report the matter to Yafee. Yafee has helped thousands of consumers recover unauthorised charges from subscription services and can escalate complaints on your behalf to the FCA or your bank's chargeback department.
- Raise a chargeback or dispute: if the company does not respond, contact your bank or PayPal and initiate a payment dispute or chargeback claim. Your bank can recover the funds directly from Yourdigiscores' merchant account.
Common mistakes to avoid when cancelling
Cancelling a subscription is simple once you know the process, and the vast majority of cancellations are processed without issue. However, a few missteps can delay your cancellation or leave you without proof of your request.
Mistake 1: assuming your subscription ends automatically after a free trial
Many people sign up for a free trial of Yourdigiscores expecting the subscription to end automatically when the trial expires. In reality, the subscription converts to a paid plan on the day the trial ends, and you are charged unless you actively cancel beforehand. Always cancel at least two days before your free trial ends to avoid an unwanted charge.
Mistake 2: cancelling via email without a delivery receipt
If you send a cancellation email to Yourdigiscores without requesting a delivery receipt or read receipt, the company can later claim it never received your request. Always enable read receipt confirmation or use a tracked delivery method when cancelling by post or email.
Mistake 3: cancelling only on your bank's side without notifying Yourdigiscores
Some people assume they can cancel a subscription simply by blocking the payment on their bank account or removing their card details. This does not actually cancel your subscription with Yourdigiscores; it only causes the payment to fail. The company will pursue the debt, and you may incur late payment fees or damage to your credit file. Always cancel with Yourdigiscores directly, not just with your bank.
Mistake 4: not keeping records of your cancellation request
If you cancel via the website without saving the confirmation email, you have no proof of your cancellation if a dispute arises later. Always take a screenshot of the cancellation confirmation page and save the confirmation email in a folder marked "Yourdigiscores Cancellation".
Mistake 5: cancelling mid-billing cycle without checking notice periods
Some subscription contracts require notice one full billing cycle in advance. If you cancel on the 20th when you are charged on the 25th, your cancellation may not take effect until your next billing date. Check your terms to confirm the notice period required.
After cancellation: what to expect and how to verify the process
Once you have cancelled Yourdigiscores, a clear sequence of events should follow. Knowing what to expect helps you spot any problems early.
Immediately after cancellation
You should receive a confirmation email from Yourdigiscores within a few minutes (if you cancelled via the website) or within 24-48 hours (if you cancelled by post or email). This confirmation should state your subscription cancellation date and confirm that you will not be charged again. If you do not receive a confirmation within 48 hours, follow up with the company by email or phone.
Access to your account
Your Yourdigiscores account may remain visible for a short period after cancellation, but your access to credit reports and monitoring features should be removed immediately. Attempt to log in and view your credit report after cancellation to verify that your access has been terminated. If your account remains fully functional after the cancellation date, contact Yourdigiscores and request confirmation that your cancellation was processed.
Your next billing date and payment verification
The most important verification step is to monitor your next scheduled billing date. On the day you would normally be charged (based on the billing cycle before cancellation), check your bank account or card statement to confirm that no charge from Yourdigiscores appears. This single check confirms that your cancellation was successfully registered in the company's billing system.
What to do if your account reactivates unexpectedly
In rare cases, a Yourdigiscores account may reactivate or a charge may appear after cancellation. If this happens, contact the company immediately and provide your cancellation confirmation. If the company cannot explain the charge or refuses to process a refund, file a complaint with the Financial Conduct Authority (FCA) via their online complaint portal. The FCA oversees the financial conduct of companies offering credit monitoring and subscription services to consumers. Yafee can assist you in preparing your FCA complaint and ensuring your evidence is clearly presented.
Comparing Yourdigiscores with alternative credit monitoring services
Before you cancel, consider whether an alternative service might better suit your needs.
| Service | Cost | Key features | Best for |
|---|---|---|---|
| Yourdigiscores (Paid) | GBP 9.99-19.99/month | Multi-agency credit reports, fraud alerts, score tracking | Comprehensive monitoring with alerts |
| Clearscore | Free (with optional paid upgrades) | Basic credit score and report, debt management tools | Free credit monitoring and financial education |
| Noddle | Free | Credit score, basic report, monthly updates | Simple, free credit checking |
| Experian Credit Expert | GBP 14.99/month | Full credit report, fraud protection, identity monitoring | Premium monitoring with identity theft cover |
| Statutory Report (Direct) | Free once yearly | Official credit report from credit reference agencies | Annual verification of credit file accuracy |
| Money Dashboard | Free | Multi-agency score aggregation, financial overview | Aggregated credit data across agencies |
If you are cancelling because the monthly cost feels high, Clearscore or Noddle offer free basic credit monitoring. If you are cancelling because you have obtained the information you need, a statutory credit report (free annually from Equifax, Experian, or TransUnion via checkcredit.org.uk) serves the same purpose without ongoing cost. If you need premium fraud protection, Experian Credit Expert offers more comprehensive identity monitoring than Yourdigiscores, though at a similar price point.
Contact information for Yourdigiscores cancellation
To cancel your subscription, contact Yourdigiscores using one of the following methods.
Online cancellation (recommended)
Log in to your Yourdigiscores account, navigate to account settings, and select the cancellation option. This method is immediate and generates an email confirmation.
Written cancellation (Royal mail)
Send a letter to the Yourdigiscores registered office address. Ensure you include your full name, account number (if available), email address, and a clear statement of cancellation intent. Use Royal Mail Special Delivery or a tracked courier to ensure proof of delivery. The current registered office address can be found on the Yourdigiscores website under "Contact Us" or "Legal Information". If you cannot locate the address online, call the main customer service line and ask for the cancellation department address.
Email cancellation (with read receipt)
Send a cancellation email to the customer service email address listed on the Yourdigiscores website. Include your account details and request a read receipt or delivery confirmation. Save the sent email and any response for your records.
Final guidance and next steps
Cancelling Yourdigiscores is a straightforward process when you follow the correct steps and maintain clear records. The Consumer Rights Act 2015 protects your right to cancel within 14 days, and UK consumer law ensures you can cancel at any time after that period, provided the company does not create unreasonable barriers to doing so.
The most important action you can take is to cancel directly with Yourdigiscores (either online or in writing) rather than attempting to block the payment on your bank account. Keep a copy of your cancellation confirmation and verify that no charge appears on your next billing date. If a charge does appear after cancellation, escalate the matter immediately to your bank's dispute team or file a complaint with the Financial Conduct Authority.
If you encounter difficulties cancelling, or if Yourdigiscores refuses to process your cancellation or refund, Yafee is here to help. Yafee specialises in contract disputes and subscription cancellations, and the team has helped thousands of consumers cancel problematic services and recover unauthorised charges. Visit yafee.com to submit your case, and Yafee's legal advisers will review your evidence and guide you through the next steps, whether that involves escalating to the FCA, raising a chargeback dispute with your bank, or seeking compensation for breach of contract. Yafee operates on a no-win, no-fee basis for many cases, ensuring you can access specialist legal support without upfront cost.