How to cancel Your Score & More in new zealand

What Your Score & More is and why you might cancel

Your Score & More is a subscription service that grants you access to your credit score, monitoring tools and identity alerts. The platform helps you track your creditworthiness and stay informed about changes to your credit file. This visibility is particularly valuable when you are planning to apply for a loan, mortgage or other financial product.

However, subscription fatigue is real. You may have found a better alternative, your financial situation has changed, or you simply no longer need ongoing credit monitoring. Yafee recognises that cancelling a subscription should be straightforward and free from hidden complications. This guide walks you through every step of cancelling Your Score & More in New Zealand, grounded in your consumer rights under New Zealand law.

Common reasons for cancellation

New Zealand consumers typically cancel credit monitoring services for several reasons: finding cheaper alternatives, discovering that free credit-checking services meet their needs, experiencing unexpected billing charges, or simply reducing monthly subscription expenses. Once your financial goal is achieved-such as securing a mortgage-the ongoing cost may no longer justify the benefit. Whatever your reason, you have a legal right to cancel at any time, subject to the service's terms and conditions.

Who cancels and when

Consumers who sign up during a major financial event-such as applying for a home loan-often cancel once the application is complete. Others discover that manual credit checks through free New Zealand providers are sufficient. If you fall into either category, or if you simply want to reduce your monthly outgoings, the cancellation process outlined below will help you exit cleanly.

Your consumer rights under new zealand law

Before you cancel, understand the protections that New Zealand law extends to you as a consumer of digital services.

Consumer guarantees act protections

The Consumer Guarantees Act 1993 (CGA) protects you when you purchase services like Your Score & More. Under the CGA, you have the right to expect that any digital service is of acceptable quality, fit for its stated purpose and supplied with reasonable care and skill. If Your Score & More fails to deliver what was promised-for example, if you cannot access your credit score information despite paying for it, or if the monitoring service is persistently unavailable-you can request a refund, replacement or compensation.

Furthermore, the Fair Trading Act 1986 makes it illegal for suppliers to engage in misleading conduct or deceptive practices. If Your Score & More misrepresents its features, pricing, renewal terms or billing frequency, you have grounds to escalate a complaint to the Commerce Commission, New Zealand's primary consumer protection authority. You may also pursue a refund through your bank's chargeback process if the company has billed you without clear consent.

Your right to cancel and request refunds

You possess an absolute right to cancel Your Score & More at any time, subject to the terms of your agreement with the company. New Zealand law also allows you to request a refund if the service was billed without your explicit consent, if automatic renewal occurred without proper prior notice, or if the service fails to meet the Consumer Guarantees Act standards. Many New Zealand consumers are unaware that the Commerce Commission can intervene if a company refuses a legitimate refund request or fails to cancel promptly.

Your legal position: If Your Score & More refuses to refund you or continues charging after you have requested cancellation, you can lodge a complaint with the Commerce Commission or seek free advice from Citizens Advice Bureau. Do not accept delays or excuses; the company must process your cancellation request within a reasonable timeframe, and any charges incurred after your cancellation request should be reversed.

Pricing plans for Your Score & More

Understanding your current billing structure is essential before you cancel, because it affects your refund entitlement and the evidence you should gather.

New zealand pricing and billing cycles

Your Score & More offers multiple subscription tiers, though exact New Zealand pricing in NZD is not consistently published online or may vary depending on promotional offers. To determine your exact plan and monthly or annual charge, check your most recent billing email or log into your account dashboard. Yafee recommends taking a screenshot of your billing page and any recent invoices before you cancel; this evidence is invaluable if you later need to dispute a charge with your bank or pursue a refund through the Commerce Commission.

If you have been on an annual plan, you may be entitled to a pro-rata refund for the unused portion of your subscription. Check the company's refund policy in your terms and conditions; if it is unclear or unfair, you can reference the Consumer Guarantees Act, which may override an unreasonable non-refund clause. Yafee always advises consumers to request a refund in writing and to keep a copy of your request for evidence.

How to cancel Your Score & More in new zealand

The cancellation process varies depending on how you access the service and how the company responds to your request. Follow these steps carefully to ensure your cancellation is recorded and processed.

Step 1: log into your account

1. Visit the Your Score & More website or open the mobile app if you use one.
2. Log in using your email address and password.
3. Navigate to your account settings or subscription management page; this is often labelled "Account", "Settings" or "Billing".
4. Take a screenshot of your current subscription status and any active charges before proceeding.

Step 2: locate the cancellation option

1. Within your account settings, look for an option labelled "Cancel subscription", "Manage subscription" or "Billing settings".
2. If no obvious cancellation button appears, check the terms and conditions or the FAQ section for instructions on how to cancel by email or phone.
3. Note the company's cancellation contact details; you will need them for Step 3.

Step 3: submit your cancellation request

Your Score & More may allow you to cancel online, or you may need to contact the company directly. Follow the method that the company specifies:

1. Online cancellation: Click the cancellation button in your account dashboard and follow the on-screen prompts. The company should display a confirmation message and send you a confirmation email. Save this email as proof of your cancellation.
2. Email cancellation: If no online cancellation option exists, send an email to the company's support address (you can find this on their website or in previous billing emails). Your email should include your full name, account email address, subscription start date and a clear statement: "I request immediate cancellation of my Your Score & More subscription, effective today. Please confirm cancellation and any applicable refund in writing."
3. Phone cancellation: If the company provides a phone number, call their customer service team. Obtain the name of the representative you speak with, the date and time of the call, and confirm that they have processed your cancellation. Request written confirmation by email immediately after the call.

Step 4: verify cancellation in writing

1. Wait two to three business days after submitting your request. The company should send a cancellation confirmation email.
2. If you do not receive confirmation, contact the company again and escalate your request. Save all correspondence.
3. Check your account dashboard to confirm that your subscription status now shows "Cancelled" or "Active until [date]".
4. Confirm your billing address on the company's website. Note it for the refund section below.

Step 5: monitor your bank or credit card statements

1. For the next two billing cycles, review your bank or credit card statement for any further charges from Your Score & More.
2. If charges appear after your cancellation request, contact your bank immediately and initiate a chargeback or dispute.
3. Provide your bank with copies of your cancellation confirmation email as evidence that you requested cancellation.

Refunds and billing disputes

Your entitlement to a refund depends on when you cancel and the company's refund policy, but New Zealand law may override unfair terms.

Pro-rata refund entitlement

If you paid for an annual subscription and cancel partway through, you are entitled to a pro-rata refund for the unused portion-unless the company's terms explicitly state otherwise and that clause is fair and transparent. For example, if you paid NZD 120 for a 12-month plan and cancel after 3 months, you should receive a refund of approximately NZD 90 (for the 9 unused months).

Monthly subscriptions are simpler: if you cancel before the next billing date, you should not be charged again. However, if the company charges you on the day you request cancellation, you are entitled to request a refund for that charge.

Requesting a refund if the company refuses

1. Send a formal email to the company's refund or billing department, referencing your cancellation confirmation email and requesting a refund. State the reason-for example, "I cancelled on [date] and request a pro-rata refund for the unused portion of my subscription."
2. Wait five business days for a response. If the company refuses or does not respond, escalate your complaint to the Commerce Commission by submitting a formal complaint on their website (www.comcom.govt.nz).
3. Alternatively, contact your bank and initiate a chargeback. Provide the bank with your cancellation confirmation and evidence of non-refund. Your bank can recover the funds on your behalf.
4. If the charge was made on your credit card, you may also lodge a dispute with your credit card provider, who has authority to reverse unauthorised or disputed charges.

Timeline for refunds

Once the company approves your refund, payment typically takes between 5 and 10 business days to appear in your bank account. If more than 10 business days pass, contact your bank to confirm the refund has been processed. Keep all correspondence in case you need to pursue the matter further.

What happens after cancellation

Cancellation does not end the process overnight; several practical steps follow to ensure a clean exit.

Access after cancellation

Once your subscription is cancelled, your access to Your Score & More should be immediately revoked or will cease on your final billing date. You will no longer receive alerts, credit score updates or identity monitoring notifications. If you are cancelled mid-month but your plan runs through the end of the month, you may retain access until that date expires; check your cancellation confirmation for specific details.

Data and privacy after cancellation

Your personal and financial data held by Your Score & More may be retained for a limited period for legal, tax and fraud prevention purposes. If you wish to request deletion of your data, submit a formal request under the Privacy Act 2020 to the company's data protection officer or privacy contact. Yafee recommends doing this if you have concerns about data retention, though the company may retain some information lawfully for up to seven years for fraud prevention.

Alternative credit monitoring services

After cancellation, you may wish to use free or cheaper alternatives to monitor your credit. New Zealand services such as free credit report requests through Equifax or Dun & Bradstreet, or free tools offered by banks, may be sufficient for your needs. Yafee has helped thousands of consumers find cost-effective alternatives to paid subscription services.

Common mistakes to avoid during cancellation

Cancellation is straightforward, but several pitfalls can lead to continued charges or forgotten refunds. Stay vigilant and follow these warnings.

Mistake 1: assuming cancellation is automatic

Do not assume that stopping use of the service is the same as cancellation. Many subscription companies continue charging unless you formally request cancellation. Always submit a cancellation request in writing-email is best-so you have proof.

Mistake 2: not verifying cancellation in writing

If you cancel by phone or through the app, demand written confirmation by email. Verbal cancellations leave no evidence, and the company may claim you never cancelled. Written confirmation is your protection under the Consumer Guarantees Act.

Mistake 3: ignoring continued charges

If your bank statement shows a charge after your cancellation request, act immediately. Contact your bank and initiate a chargeback within 60 days of the charge. Do not delay; banks have strict timeframes for disputing charges.

Mistake 4: deleting confirmation emails

Keep all cancellation confirmation emails, billing statements and correspondence with the company for at least 12 months. If a dispute arises, this evidence is essential to prove you cancelled and are entitled to a refund.

Mistake 5: not requesting a pro-rata refund

If you paid for an annual plan and cancel early, you are entitled to a refund. Do not accept the company's refusal without escalating the matter to the Commerce Commission. Many consumers leave money on the table because they do not assert their rights.

Cancellation address and direct contact

Your Score & More does not maintain a publicly listed New Zealand postal address for cancellation. The company's registered address appears to be United States-based. Consequently, Yafee recommends cancelling through your online account or by email, as postal correspondence may encounter delays or be lost in international mail.

To locate the company's correct email address, check your most recent billing statement or visit the Your Score & More website and search for "Contact us" or "Support". Many subscription companies list cancellation contact details in the footer of their website or within the FAQ section.

If you cannot locate a direct contact method, you can request cancellation through your bank by initiating a chargeback or by lodging a complaint with the Commerce Commission, which will investigate on your behalf and compel the company to respond.

Summary and next steps

Cancelling Your Score & More in New Zealand is a straightforward process grounded in your consumer rights under the Consumer Guarantees Act and Fair Trading Act. The key steps are: log into your account, locate the cancellation option, submit your request in writing, verify cancellation in writing, and monitor your bank statements. If the company refuses to refund you or continues charging after cancellation, you have the authority to escalate the matter to the Commerce Commission or pursue a chargeback through your bank.

Yafee understands that navigating subscription cancellations can feel overwhelming, but New Zealand law firmly protects your right to cancel at any time and to receive fair treatment. By following the steps outlined in this guide and keeping detailed records, you ensure a clean exit from Your Score & More and protect yourself against unauthorised charges. Yafee has helped thousands of consumers cancel subscriptions confidently and recover owed refunds. Act now, document everything, and assert your legal rights.