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Cancel Yourscoreandmore: Step-by-Step Guide
How to cancel Yourscoreandmore and stop USD charges to your indian bank account
What is Yourscoreandmore and why indian users cancel
Yourscoreandmore is a U.S.-based credit monitoring and identity protection service that operates entirely from American servers. The platform tracks credit scores, alerts subscribers to suspicious activity, and delivers personalised financial insights. As an Indian subscriber, you pay in USD through recurring monthly or annual billing cycles, which translates into significant INR charges once currency conversion and international transaction fees are applied.
Many Indian users begin with a discounted trial-often just ₹1 or $1 for the first week-and later discover themselves bound to a paid subscription they no longer use or can afford. The recurring USD charges compound quickly: a $39.94 monthly plan costs between ₹3,500 and ₹3,700 per month after bank markup, totalling ₹42,000 to ₹44,400 annually. If you're reading this, the service no longer delivers value, or the international transaction burden has become unsustainable. Yafee guides you through the cancellation process step by step, ensuring no forgotten charges drain your account.
How Yourscoreandmore billing operates
The service uses a recurring billing model tied to your email address and payment card. Auto-renewal occurs automatically at the end of each billing cycle. Unless you submit a deliberate, written cancellation request, Yourscoreandmore will charge your card again. This automatic renewal system is why cancellation requires explicit action-silence does not stop the charges.
Why cancellation is urgent for indian account holders
Yourscoreandmore is incorporated in the United States, so every charge appears in USD on your Indian bank statement. The gap between the USD price and your actual rupee outlay widens with currency fluctuations and foreign exchange fees. A single month's negligence can result in duplicate charges-one for the service itself and additional charges when the next billing cycle triggers unexpectedly.
Your consumer rights under indian law
Indian consumer protection law grants you specific rights when dealing with international subscription services, and understanding these rights strengthens your position if Yourscoreandmore resists your cancellation request.
What the consumer protection act 2019 guarantees
The Consumer Protection Act 2019 establishes your right to receive services as described, protection against unfair contract terms, and the right to seek redress if a service provider misleads you or fails to perform. If Yourscoreandmore's marketing promised features you never received, or if it deliberately obscured cancellation procedures, you have legal grounds to escalate a formal complaint.
The Central Consumer Protection Authority (CCPA) and your state's consumer commission possess enforcement power over cross-border service providers. If Yourscoreandmore ignores your cancellation request or continues billing after you have explicitly requested cancellation, these authorities can intervene on your behalf. This legal safety net protects you from indefinite charges.
Your legal position on billing transparency
You possess the right to clear, upfront information about billing dates, auto-renewal terms, and cancellation methods before you make any payment. If Yourscoreandmore buried these terms in dense fine print or deliberately hid the cancellation link, that conduct violates consumer protection principles. Document everything from the outset: screenshots of the signup page, confirmation emails, bank statements, and all correspondence with support staff. This evidence becomes critical if you need to file a complaint with the consumer commission.
Cancellation methods: which channel to use
Yourscoreandmore provides three primary cancellation channels, each with distinct advantages and disadvantages; Yafee recommends the method that creates the strongest paper trail for your protection.
Email cancellation: the most secure option
Email is your strongest cancellation method because you receive written confirmation and maintain a timestamped record. Send your cancellation request to [email protected] with a clear subject line: "Request for Account Cancellation and Billing Stop." Email works effectively for all Indian users regardless of time zone conflicts with phone-based support.
In your email, include your full account email address, your name, and an explicit request to cancel your subscription effective immediately and to stop all future charges. Request written confirmation that your account is closed and that no further billing will occur. Keep a copy of this email and any response you receive.
Phone cancellation: faster but less documented
You can call Yourscoreandmore at +1 (800) 950-8040 during U.S. Pacific Time business hours (Monday to Friday, 8:00 AM to 5:00 PM PT). Phone cancellation is faster but creates no automatic written record. If you choose this method, take detailed notes during the call: the date, time, support agent's name, confirmation number, and any promised refund timeline. Follow up with an email to [email protected] reiterating what you discussed verbally, and request written confirmation.
Online account portal cancellation
Log into your Yourscoreandmore account, navigate to Account Settings or Subscription Management, and select the Cancel Subscription option. Online cancellation is convenient but sometimes ambiguous-many companies send you to a survey or retention page rather than completing the cancellation immediately. After you submit the online cancellation, send an email to [email protected] confirming that you cancelled through the portal and requesting written acknowledgment.
Step-by-step cancellation process
Follow this structured approach to ensure your cancellation is processed and documented:
Step 1: gather your account and billing information
- Locate your Yourscoreandmore account email address (the email you used to register).
- Find your most recent billing statement or email receipt showing your subscription plan and renewal date.
- Screenshot your account page showing the active subscription and any billing details.
- Note the exact date you are sending the cancellation request.
Step 2: send your cancellation request via email
- Compose an email to [email protected] with the subject line: "Cancellation Request - Account Closure and Billing Stop".
- In the body, include:
- Your full name.
- Your account email address.
- A clear statement: "I request immediate cancellation of my Yourscoreandmore subscription effective today [date]. Please stop all auto-renewal charges and confirm in writing that my account is closed."
- Your reason for cancellation (optional, but helpful for documentation).
- A request for written confirmation within 48 hours.
- Send the email from the address associated with your Yourscoreandmore account.
- Save a copy in a dedicated folder for your records.
Step 3: follow up if you do not receive confirmation within 48 hours
- If you receive no response within two business days, send a follow-up email using the same subject line.
- Reference your original cancellation email date and request urgent confirmation.
- If still no response, contact Yourscoreandmore through an alternative method (phone or online chat) and document the interaction.
Step 4: monitor your bank statement for continued charges
- Check your bank account and credit card statement 7 to 10 days after your cancellation request.
- Verify that no new Yourscoreandmore charge appears on your next billing date.
- If a charge still appears after cancellation, take a screenshot and prepare to dispute it with your bank.
Step 5: dispute unauthorised charges if necessary
- If Yourscoreandmore charges you after you have cancelled in writing, contact your Indian bank or credit card issuer immediately.
- Explain that you cancelled the subscription in writing and request a chargeback.
- Provide your bank with copies of your cancellation email and the company's response (or lack thereof).
- Most Indian banks process chargeback disputes within 30 days if you provide clear documentation.
Refund rights and disputing charges
Yourscoreandmore's refund policy depends on the plan you purchased and how long you have held the subscription. Understanding your specific refund eligibility protects you from accepting inadequate settlements.
When you are eligible for a refund
If you cancel within the trial period (usually the first 7 days), you are entitled to a full refund of any charges beyond the discounted trial amount. If you cancel after the trial, many monthly plans offer no refund for the current billing cycle, though you stop future charges. Annual or longer-term plans sometimes allow pro-rata refunds-meaning you receive a proportional refund for unused months.
Request a refund explicitly in your cancellation email: "Please refund any charges for unused service on my account." Include your preferred refund method (the original payment card is standard for Indian customers).
Disputing charges with your bank
If Yourscoreandmore refuses a refund you believe is legitimate, file a dispute with your Indian bank or credit card company. Under Reserve Bank of India (RBI) guidelines and card network rules (Visa, Mastercard, American Express), you have the right to dispute unauthorised or unwanted charges within 90 days of the transaction appearing on your statement.
Submit your dispute with written evidence: cancellation email, confirmation of non-response, screenshots of billing statements showing charges after the cancellation date, and any company communication denying your refund request. Yafee recommends keeping meticulous records because your bank will ask for this documentation when processing your dispute.
Pricing and billing comparison
Understanding Yourscoreandmore's cost structure in rupees clarifies why cancellation is urgent for Indian users:
| Plan type | USD monthly cost | Approximate INR cost | Annual INR outlay |
|---|---|---|---|
| Basic monthly | $19.99 | ₹1,650-1,800 | ₹19,800-21,600 |
| Standard monthly | $39.94 | ₹3,300-3,700 | ₹39,600-44,400 |
| Premium monthly | $59.94 | ₹4,950-5,600 | ₹59,400-67,200 |
| Annual plan (discounted) | $199.99 | ₹16,500-18,500 | ₹16,500-18,500 |
| Trial period | ₹1 or $1 | ₹1 | Varies on plan upgrade |
Currency conversion assumes 1 USD = ₹82 to ₹85 INR, plus 2-3% bank foreign exchange markup. Actual charges depend on your card issuer and exchange rate at transaction time.
What happens after you cancel
Cancellation does not take effect immediately in all cases, and understanding the timeline protects you from unexpected charges:
Timing of cancellation and last charge
Yourscoreandmore typically processes cancellations at the end of your current billing cycle. If you cancel on day 15 of a 30-day cycle, your service continues until day 30, and that final month's charge will appear on your statement. You do not receive a partial refund for the remaining days unless the company's policy specifically allows it (which is rare).
If your next renewal date is within 7 days of your cancellation request, ask in your email whether the pending charge will be cancelled. Document the company's response for your records.
Retaining access to your account after cancellation
Most subscription services terminate your access within 24 to 48 hours of processing cancellation. If you need to download reports, credit monitoring data, or any documents, do so before you submit your cancellation request. After cancellation, you cannot retrieve this information through the platform.
Unsubscribing from marketing emails
Cancellation of your paid subscription does not automatically unsubscribe you from marketing emails. Log into your account settings before cancellation and opt out of all promotional communications, or reply "UNSUBSCRIBE" to any marketing emails you receive after your cancellation is processed.
Common mistakes to avoid during cancellation
Cancellation is straightforward if you avoid these pitfalls; thousands of Indian consumers have navigated this process successfully by following these cautions:
Mistake 1: assuming your cancellation is complete without written confirmation
Never assume verbal confirmation or a confirmation page at the end of an online form means your account is fully cancelled. Companies sometimes display a confirmation screen, then store your request without processing it. Always send a follow-up email requesting written acknowledgment, and keep that email exchange in a dedicated folder.
Mistake 2: cancelling through the website chat without saving the transcript
Live chat sessions disappear from your account once the conversation ends. If you cancel via chat, take a screenshot of the entire conversation before closing the window. Email support is always preferable because the record is permanent and searchable.
Mistake 3: ignoring your bank statement after cancellation
Some international service providers continue charging despite cancellation requests, relying on the fact that busy customers do not monitor their statements closely. Check your account 7 to 10 days after your cancellation date and again on your next renewal date. If an unauthorised charge appears, you have stronger grounds for a chargeback if you report it within 30 to 90 days (depending on your bank's policy).
Mistake 4: cancelling only through the website portal without email backup
Online portal cancellations often fail silently-you click "cancel," see a confirmation page, but the company never processes the request. Always follow online cancellation with an email to support stating what you did and requesting written acknowledgment. This dual method creates an indisputable record.
Mistake 5: deleting your confirmation email too soon
Save every email from Yourscoreandmore for at least 90 days after cancellation. If you need to dispute a charge or file a consumer complaint, this correspondence is your primary evidence. Use a dedicated email folder or cloud storage backup to ensure you do not lose critical records.
Escalation: what to do if Yourscoreandmore refuses to cancel
If Yourscoreandmore ignores your written cancellation request or continues billing after you have explicitly asked to stop, Indian consumer law provides escalation pathways:
Filing a complaint with the central consumer protection authority
The CCPA has jurisdiction over service providers operating in India, including foreign companies. If Yourscoreandmore continues charging without responding to your cancellation request, you can file a complaint with the CCPA using their online portal at consumercomplaints.nic.in. Yafee recommends providing your cancellation emails, bank statements showing unauthorised charges, and any communication attempts.
Escalating to your state consumer commission
Alternatively, file a complaint with your state's consumer commission (each Indian state maintains one). These commissions handle cross-border subscription disputes and can order refunds, penalties, and compensation. The process is free for consumers earning below ₹2,00,000 annually and costs ₹500 for consumers above that threshold.
Initiating a chargeback through your bank
Your Indian bank or credit card issuer can reverse charges if you provide written evidence that you cancelled in writing and the company continued billing. This process is faster than consumer commission complaints and usually resolves within 30 to 60 days.
Checklist: ensuring your Yourscoreandmore cancellation is complete
Use this checklist to confirm every step has been executed and documented:
- Gathered your account email, billing statement, and account screenshots.
- Sent cancellation email to [email protected] with clear language and explicit request to stop all charges.
- Received written confirmation of cancellation within 48 hours (or sent follow-up if no response).
- Downloaded and saved any account data or reports you need before access terminates.
- Checked your bank statement 7 to 10 days later to confirm no new charge appeared.
- Verified your next renewal date passed without a charge.
- Saved all cancellation emails and correspondence in a dedicated folder for 90 days minimum.
- Unsubscribed from marketing emails if still receiving them.
- If charged after cancellation, filed a chargeback dispute with your bank with supporting documentation.
Yourscoreandmore contact details and cancellation address
If Yourscoreandmore requires postal communication or if you wish to send formal written notice, use these details:
| Contact method | Details |
|---|---|
| Email (recommended for Indian users) | [email protected] |
| Phone | +1 (800) 950-8040 (U.S. Pacific Time, Monday-Friday, 8 AM-5 PM PT) |
| Postal address (U.S. headquarters) | Yourscoreandmore, Inc. Legal Department United States (Specific street address not publicly listed; verify on your billing statement) |
| Online account portal | Log in at yourscoreandmore.com and select Account Settings → Cancel Subscription |
Email is your strongest option because it creates an immediate written record. Yafee recommends email cancellation over all other methods for Indian subscribers managing an international USD subscription.
Why yafee helps indian consumers cancel international subscriptions
Cancelling an international subscription like Yourscoreandmore involves navigating U.S. business practices, unfamiliar currency exchanges, and the complexity of cross-border consumer rights. Yafee exists to demystify this process and protect you from indefinite charges by grounding your cancellation in legal frameworks, documenting every step, and providing clear escalation pathways if the company resists.
Yafee has helped thousands of Indian consumers cancel unwanted subscriptions without losing money to forgotten renewal charges or confusing refund policies. By following the structured steps in this guide-gathering documentation, sending a clear written cancellation request, monitoring your account, and knowing your rights under the Consumer Protection Act 2019-you reclaim control of your subscription and your bank account.
Start with an email to [email protected] today. Keep your records, follow the timeline, and escalate to your bank or the CCPA if Yourscoreandmore fails to respond. Yafee and Indian consumer protection law stand behind your right to cancel any subscription you no longer need.
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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