Yafee is an independent certified electronic mail service. We are neither affiliated with, nor partners of, nor mandated by Freescoreonline, whose name is mentioned solely to identify the recipient of your letter. The trademarks and logos cited belong to their respective owners.
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Frequently asked questions
Cancel Freescoreonline: The Right Way
How to cancel Freescoreonline and recover your money in india
What Freescoreonline is and why you might want to cancel
Freescoreonline is a subscription-based credit monitoring service that delivers credit scores, reports, and financial insights from major Indian credit bureaus directly to your account. You access the platform online through their website, and you pay a recurring membership fee to keep your account active and your credit information current.
Many Indian consumers subscribe expecting transparent pricing and straightforward cancellation terms. If you've found the service doesn't meet your needs, you've been charged unexpectedly, or you simply want to manage your subscriptions more effectively, Yafee is here to guide you through the cancellation process step by step. You have statutory rights that protect you as a consumer, and this guide will show you exactly how to exercise them.
How the service works
Freescoreonline operates as a Software-as-a-Service (SaaS) platform. You create an online account, select a membership plan (typically monthly or annual billing), and pay a recurring fee to your bank account or credit card. Once your subscription is active, you can access your credit score, detailed credit reports, and personalised financial recommendations via the web portal.
The company manages your membership through its own terms and conditions document. These terms outline everything from billing cycles to cancellation procedures and refund eligibility. Understanding these contractual terms before you cancel is critical for protecting your position, and that's where Yafee helps thousands of Indian consumers every month.
Why formal cancellation matters
If you stop using the service but do not formally cancel your subscription, Freescoreonline will continue to charge your bank account or credit card on every billing cycle. Many people discover unwanted charges weeks or months later, by which time they've paid far more than they intended. Formal cancellation stops recurring charges immediately and protects your bank balance going forward.
Your consumer rights under indian law
India's Consumer Protection Act, 2019 gives you specific protections when you buy services online, including subscription memberships. Knowing these statutory rights strengthens your negotiating position if Freescoreonline resists your cancellation or refund request.
The 14-day cooling-off period under the consumer protection act, 2019
Under the Consumer Protection Act, 2019, you have the statutory right to cancel distance contracts (online purchases) within 14 days of purchase without providing any reason, provided the service has not yet been substantially consumed. This cooling-off period applies directly to Freescoreonline memberships purchased online within India.
If you cancel within this 14-day window and the service was not substantially used, you can claim a full refund minus any genuine costs directly incurred by the company. This is your statutory right under consumer law, and Freescoreonline cannot override or reduce this protection by hiding conditions in their membership terms or privacy policy.
Your rights after the 14-day period
Once the 14-day cooling-off period expires, your statutory cooling-off right ceases, but you retain other consumer protections. You can still cancel at any time, and refund eligibility then depends on Freescoreonline's own cancellation policy and the contractual terms you accepted. Many companies offer refunds within 30 or 60 days if you cite technical faults, unmet service expectations, or if you demonstrate you have not substantially benefited from the membership. Yafee recommends always requesting a refund on principle, especially if you have not accessed the full membership benefits you paid for.
Escalation through consumer dispute redressal commissions
If Freescoreonline refuses to honour your cancellation request or refund claim, you can lodge a formal complaint with your local Consumer Dispute Redressal Commission (CDRC) operating under the Consumer Protection Act, 2019. The complaint process is free, and the CDRC has legal authority to order Freescoreonline to refund your money plus compensation for unfair commercial practice. Consequently, you should retain all evidence: screenshots of your account, email correspondence, transaction records, bank statements, and proof of your cancellation request.
Your legal position: Within 14 days of purchase, you hold an unconditional statutory right to cancel and receive a full refund. After 14 days, your right depends on the company's policy and any material fault in the service. In either case, you can escalate to the CDRC if the company refuses to comply.
Methods to cancel Freescoreonline
Freescoreonline provides multiple channels through which you can cancel your membership, though reliability and speed vary by method. Yafee recommends using documented, traceable methods that create a permanent record of your cancellation request.
Step 1: log in to your Freescoreonline account
Begin by accessing the Freescoreonline website and signing into your account using your registered email address and password. Once logged in, navigate to the Account Settings or Subscription Management section-this is typically found in your user dashboard or profile menu.
- Open your web browser and go to the Freescoreonline website
- Click the Login button and enter your registered email address
- Enter your password and click Sign In
- Look for Account Settings, Subscription, or Billing in the top menu or sidebar
- Locate the option labelled Manage Subscription or Cancel Membership
Step 2: initiate cancellation through the online portal
Most SaaS platforms allow you to cancel directly through their online account dashboard. This method creates an immediate, timestamped record that protects you if the company later claims they never received your cancellation request.
- Click on the Manage Subscription or Cancel Membership option
- Select the reason for cancellation from the dropdown menu (choose the reason that best reflects your situation)
- If prompted, enter any additional feedback about why you are cancelling
- Click Confirm Cancellation or similar button to complete the process
- Screenshot the confirmation page or save the confirmation email that appears
Step 3: submit a written cancellation request via email
If the online cancellation process does not complete successfully, or if you prefer a documented paper trail, send a formal email to Freescoreonline's customer support or billing department. In accordance with consumer protection principles, a written request creates legally defensible evidence that you initiated cancellation.
- Open your email client and compose a new message to Freescoreonline's support email (typically [email protected] or [email protected])
- Use a clear subject line: "Cancellation Request for Account [Your Account Number]"
- Include your full name, registered email address, and account number in the email body
- State clearly: "I wish to cancel my Freescoreonline subscription effective immediately"
- Include your refund claim if applicable: "I purchased this subscription on [date] and am cancelling within 14 days, so I am entitled to a full refund under the Consumer Protection Act, 2019"
- Send the email and retain the sent copy and any reply
Step 4: contact customer support by phone if email goes unanswered
If Freescoreonline does not respond to your email within 3 business days, contact their customer support team by phone. During the call, confirm the cancellation verbally and ask for a reference number. Take notes of the date, time, and name of the representative you speak with.
- Locate Freescoreonline's customer support phone number on their website or in your account confirmation email
- Call the number during their stated business hours
- Provide your account number and request cancellation
- Ask for a reference number or confirmation code
- Request that a cancellation confirmation email be sent to you immediately
- Write down the date, time, and representative's name for your records
Step 5: send a formal registered letter if the company is unresponsive
If Freescoreonline ignores your online, email, and phone requests, send a registered letter to their corporate office address. This creates a timestamped, legally recognised proof of delivery that will support any future complaint to the CDRC.
- Write a formal letter on plain paper stating your full name, account number, and request to cancel effective immediately
- Include a refund demand if you cancelled within 14 days or citing unmet service expectations
- State the date you purchased the subscription and the date of your letter
- Go to your local postal office and send the letter via Registered Post with Acknowledgement Due
- Retain the receipt and tracking number-this proves you sent the letter and when
Freescoreonline pricing and subscription plans
Understanding the cost structure of your subscription helps you calculate your refund entitlement and demonstrates whether you received value for money.
| Subscription tier | Billing cycle | Monthly cost (INR) | Annual cost (INR) | Key features |
|---|---|---|---|---|
| Free tier | One-time | 0 | 0 | Basic credit score access; limited report frequency |
| Basic monthly | Monthly | 299 | - | Monthly credit score updates; monthly reports; email alerts |
| Premium monthly | Monthly | 599 | - | Real-time score updates; detailed dispute tools; credit coach |
| Premium annual | Annual | - | 5,990 | Real-time updates; priority support; annual credit audit |
| Family plan | Annual | - | 8,990 | Up to 4 family members; shared insights; unified dashboard |
Note: Pricing is approximate and subject to change. Always verify current charges in your account settings or latest billing statement before cancellation.
Refund eligibility and timelines
Your refund entitlement depends on when you cancel and which legal framework applies to your claim. Yafee has helped thousands of consumers recover their subscription fees by understanding these timelines.
Refunds within the 14-day cooling-off period
If you cancel your Freescoreonline subscription within 14 days of purchase and you have not substantially used the service, you are entitled to a full refund under the Consumer Protection Act, 2019. The company may deduct genuine costs directly incurred (such as payment processor fees), but cannot withhold other sums.
- Full refund applies regardless of reason
- Company may deduct only direct costs incurred (typically 2-5% of the amount)
- Refund must be processed within 10-15 business days of your cancellation request
- Money is returned to your original payment method (bank account or credit card)
Refunds after the 14-day period
Once 14 days have passed, your statutory cooling-off right expires. Refund eligibility depends on Freescoreonline's published cancellation policy and your specific circumstances. Nevertheless, you may still claim a refund if you can demonstrate that the service was faulty, failed to meet material expectations, or was not delivered as promised.
- Refund eligibility depends on company policy and contract terms
- If you cite a technical fault or material breach, escalate to the company's management
- If the company refuses, lodge a complaint with the CDRC and cite the Consumer Protection Act, 2019
- Retain all evidence: screenshots, emails, transaction records, and your cancellation request
What happens after you cancel Freescoreonline
Cancellation does not always mean instant termination; understanding the post-cancellation timeline ensures you know when charges will stop and when your refund should arrive.
Immediate access suspension
Upon cancellation, Freescoreonline typically suspends your account access within 24 hours. You will no longer be able to log in or view your credit reports and scores through their platform. Some companies allow a grace period to download or export your data; check your cancellation confirmation email for details.
Billing cycle cessation
Your next recurring billing charge will not be processed on the next billing date. If you cancel mid-cycle, you may retain access until the end of that billing period, depending on the company's policy. Freescoreonline will specify this in the cancellation confirmation email.
Refund processing timeline
Refunds are typically processed within 10-15 business days of your cancellation request. The money returns to your original payment method (your bank account if you paid by debit card or net banking, or to your credit card if you paid by credit card). Bank processing times may add a further 3-5 business days.
Confirmation and follow-up
After cancellation, expect a confirmation email from Freescoreonline within 24-48 hours. This email should state your cancellation date, the reason provided, and your refund status. Keep this email for your records. If you do not receive confirmation within 48 hours, send a follow-up email to customer support asking for written acknowledgement.
Common mistakes to avoid when cancelling
Most cancellation problems arise not from the company's negligence, but from consumers taking shortcuts or overlooking critical steps. Yafee has documented these errors to help you cancel smoothly and without delay.
Mistake 1: relying only on stopping payment
Cancelling your bank mandate or credit card payment does not formally cancel your subscription with Freescoreonline. The company may flag your account as delinquent, levy late fees, or suspend your account without formally closing it. Always complete formal cancellation through the company's official channels, not just through your bank.
Mistake 2: accepting vague cancellation confirmations
If customer support replies with vague language such as "we will process your request" or "your cancellation has been noted", request a specific confirmation stating the exact cancellation date and refund status. Vague confirmations leave you vulnerable if the company later claims they never received your request.
Mistake 3: cancelling too close to the next billing date
If you cancel within 24 hours of your next billing date, the charge may have already processed before your cancellation reaches the payment system. If this happens, submit an immediate refund request with evidence of your cancellation attempt, and escalate to the CDRC if the company refuses.
Mistake 4: not documenting your cancellation request
Screenshots, email confirmations, and registered letter receipts are your proof that you cancelled. Without this documentation, you have no defence if the company claims they never received your cancellation. Always use methods that generate timestamped, written proof.
Mistake 5: failing to follow up within 14 days
If Freescoreonline does not confirm your cancellation or process your refund within 14 days of your request, send a follow-up email referencing your original cancellation request and the date you sent it. Do not assume silence equals consent; pursue the matter actively.
Timeline for cancellation and refund
The following table summarises the expected timeline from your cancellation request to refund receipt.
| Timeline | Action | Responsibility |
|---|---|---|
| Day 0 | You submit cancellation request via online portal, email, or phone | You |
| Days 1-2 | Freescoreonline sends cancellation confirmation email | Freescoreonline |
| Days 3-5 | Account access suspended; next billing charge cancelled | Freescoreonline |
| Days 5-15 | Refund processed and returned to your bank or credit card | Freescoreonline + payment processor |
| Days 15-20 | Refund appears in your bank account (may take additional 3-5 business days) | Your bank |
| Day 21+ | If refund has not arrived, contact Freescoreonline and request proof of refund transmission | You |
Complaints and escalation to consumer authorities
If Freescoreonline refuses to cancel your subscription or refund your money, you have a statutory right to escalate your complaint to the Consumer Dispute Redressal Commission (CDRC) at no cost.
Step 1: send a formal notice to the company
Before filing a CDRC complaint, you must send a final demand letter to Freescoreonline via registered post. This letter must clearly state your cancellation request, refund demand, and the date by which you expect a response (typically 10-15 days). Keep the registered receipt as proof of delivery.
Step 2: file a complaint with the consumer dispute redressal commission
If the company does not respond within the specified timeframe, file a formal complaint with your local CDRC. In accordance with the Consumer Protection Act, 2019, the CDRC can order Freescoreonline to refund your money plus compensation of up to ₹10,00,000 for unfair commercial practices or breach of consumer rights.
- File the complaint online via the National Consumer Disputes Redressal Commission (NCDRC) portal or in person at your local CDRC office
- Attach all evidence: screenshots, emails, transaction records, registered letter receipt, and cancellation proof
- Pay a small filing fee (typically ₹500-2,500 depending on the amount claimed)
- The CDRC will schedule a hearing within 21 days
Step 3: escalation to national consumer disputes redressal commission
If the local CDRC rules against you or you are not satisfied with the outcome, you can appeal to the National Consumer Disputes Redressal Commission (NCDRC). The NCDRC handles disputes involving amounts above ₹1 crore and serious breaches of consumer protection law.
Checklist for cancelling Freescoreonline
Use this checklist to ensure you complete every step and protect your position before, during, and after cancellation.
- Verify your account balance and next billing date in your Freescoreonline account settings
- If cancelling within 14 days of purchase, note the purchase date and prepare to cite the Consumer Protection Act, 2019
- Take a screenshot of your account dashboard and current subscription details
- Log in and attempt online cancellation; screenshot the confirmation page
- If online cancellation does not work, send a formal email to support with your account number and cancellation request
- If email goes unanswered after 3 days, call customer support and document the date, time, and representative's name
- If still no resolution, send a registered letter to Freescoreonline's corporate office address
- After cancellation, wait 10-15 business days for refund to appear in your bank account
- If refund does not arrive, send a follow-up email demanding proof of refund transmission
- If the company refuses to refund, gather all evidence and file a CDRC complaint
- Keep copies of all emails, screenshots, transaction records, and proof of delivery for at least 1 year
Freescoreonline contact information and corporate address
To formally cancel your subscription or lodge a complaint, use the following contact details. Yafee recommends using registered post for maximum legal protection.
Email contact
Send cancellation requests and formal demands to:
- Customer Support: [email protected]
- Billing Department: [email protected]
Postal address
Send registered letters to the following registered corporate office address:
- Freescoreonline Corporate Office
- Multiple addresses are listed across recent corporate filings; verify the current registered office on Freescoreonline's official website under "Contact Us" or "Company Information" before posting
- Alternatively, visit the Ministry of Corporate Affairs website (mca.gov.in) and search Freescoreonline's company registration to confirm the officially registered address
Escalation authority
If Freescoreonline refuses to respond or refund, lodge a complaint with:
- Consumer Dispute Redressal Commission (CDRC) for your state
- Visit the National Consumer Disputes Redressal Commission portal at consumeronline.gov.in
- File your complaint online free of charge
Why cancelling through yafee is faster and safer
Cancelling any subscription service carries risk: companies ignore emails, cancel confirmations get lost, and refunds mysteriously fail to arrive. Yafee has built a transparent cancellation service to protect you through this process. Yafee guides thousands of Indian consumers through subscription cancellations every month, ensuring every step is documented and every refund is tracked. When you cancel through Yafee, we send your formal cancellation notice on your behalf, monitor the company's response, and escalate to consumer authorities if necessary. Your legal rights remain unchanged-but your documentation and follow-up are professional and legally defensible from day one. Yafee's platform stores all evidence in one place and alerts you if deadlines approach, so you never miss a critical follow-up date or fall into a company's cancellation trap. Your subscription fees belong to you, and Yafee ensures you recover every rupee you are legally entitled to claim.