How to cancel Yourscoreandmore and protect your credit in new zealand

What is Yourscoreandmore and why you might want to leave

Yourscoreandmore is an online credit-monitoring and credit-reporting service that operates on a subscription model with automatic renewal. The company offers memberships in monthly, six-monthly, and annual options, all billed in US dollars. If you signed up for a trial period, billing kicks in automatically after your trial ends unless you cancel first.

Many New Zealand users find themselves charged unexpectedly because cancellation isn't straightforward. At Yafee, we've helped thousands of consumers navigate subscription services, and Yourscoreandmore presents a common challenge: automatic billing without clear, upfront cancellation pathways. Understanding your options before you act gives you the leverage to cancel confidently.

When cancellation makes sense

You might want to cancel if you've changed your mind about the service, prefer a competitor, or feel the cost no longer justifies the value. New Zealand consumers often cancel credit-monitoring services after discovering cheaper local alternatives or after their trial period ends and charges bite harder than expected.

The automatic renewal trap

Yourscoreandmore's terms confirm that your membership renews automatically until you actively cancel. This is where most people slip up: they assume the trial ends the subscription, but it doesn't. Your card or PayPal account will be charged on renewal unless you act first.

Understanding your consumer rights under new zealand law

Your legal protections when cancelling Yourscoreandmore stem from the Consumer Guarantees Act 1993 and the Fair Trading Act 1986, which govern subscription services and automatic renewal practices in New Zealand.

Your legal position

Under the Consumer Guarantees Act 1993, you have the right to cancel a subscription service within a reasonable time. The Fair Trading Act 1986 requires that Yourscoreandmore must not engage in misleading or deceptive conduct, including burying cancellation processes or failing to honour your cancellation requests promptly. If the company fails to process your cancellation within a reasonable timeframe, you can lodge a complaint with the Commerce Commission, New Zealand's primary consumer enforcement authority.

Automatic renewal and your protection

New Zealand consumer law requires that companies seeking automatic renewal obtain your prior, explicit consent. When you cancel, Yourscoreandmore must cease charging you immediately. If the company continues to bill you after you've submitted a valid cancellation request, you have grounds to dispute the transaction with your bank or payment provider under the Payment Card Industry standards.

Yourscoreandmore pricing and plan options

All plans are priced in US dollars, so your final New Zealand dollar cost depends on the current exchange rate and your payment processor's fees.

Why pricing matters for your cancellation timeline

If you're on a monthly plan at US$39.94, you're facing roughly NZD$70 or more per month depending on exchange rates. Cancelling immediately stops future charges, but only if you act before your next billing date. Check your billing date on your account dashboard first-this tells you exactly how much time you have to submit your cancellation request.

Methods to cancel Yourscoreandmore

You have three primary cancellation pathways available. The most reliable approach combines email contact to create a documented paper trail that protects you if a dispute arises later.

Email cancellation

Contact Yourscoreandmore's support team at [email protected] with a clear written cancellation request. Email creates an auditable record of your cancellation request and the exact date you submitted it. Keep your sent message and any reply for your records.

Phone cancellation

Call customer support at (800) 950-1840. This is a US-based number, so expect international call rates to apply. Write down the date, time, and the agent's name during the call. Request that the agent email you a cancellation confirmation after the call ends.

Online contact form

Use the secure Contact Us form on Yourscoreandmore's website to request immediate cancellation. Complete all required fields and include your account email address. Take a screenshot of your submission before clicking send.

Step-by-step cancellation process

Follow these steps in order to ensure your cancellation is processed correctly and documented.

Step 1: log into your account and find your billing details

1. Log into your Yourscoreandmore account using your registered email and password
   • Navigate to your account settings or billing page
   • Locate your next billing date and current plan type (monthly, six-monthly, or annual)
   • Note your registration email address exactly as it appears
   • Take a screenshot of your current plan and billing date

Step 2: compose your cancellation email

1. Draft an email to [email protected] with the following information
   • Subject line: "Cancellation Request - [Your Account Email]"
   • Body: "I request immediate cancellation of my subscription effective today. Account email: [your registered email]. Plan type: [monthly/six-monthly/annual]. Billing date: [date from your dashboard]. Please confirm cancellation in writing."
   • Do not soften your language or ask for reconsideration-be direct and firm
   • Keep the email concise and factual

Step 3: send your cancellation request

1. Send your email and take a screenshot of the sent message before closing the window
   • Screenshot should include the subject line, recipient address, date, and time sent
   • Save this screenshot to your device or email it to yourself
   • Do not delete the email from your sent folder

Step 4: await confirmation

1. Monitor your inbox for a reply from [email protected]
   • Allow 3 to 5 business days for a response
   • Check your spam or junk folder in case the reply is filtered
   • If no reply arrives within 5 business days, send a follow-up email referencing your original request
   • Save all replies and correspondence

Step 5: verify cancellation on your account

1. Log back into Yourscoreandmore within 24 to 48 hours of receiving confirmation
   • Check your account status-it should reflect "cancelled" or "inactive"
   • Verify that your next billing date no longer appears
   • Take a final screenshot of your cancelled account status
   • Retain all screenshots and emails in a folder for your records

Step 6: monitor your payment method

1. Check your credit card or PayPal account over the next 30 days
   • Scan for any unexpected charges from Yourscoreandmore or related merchants
   • If an unexpected charge appears after your cancellation date, contact your bank or payment provider immediately
   • Reference your cancellation email and confirmation when disputing the charge

What happens after you cancel

Cancellation is not instant, and you should understand what to expect in the days and weeks that follow.

Immediate post-cancellation period

Once Yourscoreandmore confirms your cancellation, you retain access to your account and credit reports until your current billing period ends. If you're mid-month on a monthly plan, you keep access until the last day of that month. After that date, the company disables your account. No further charges should appear on your payment method after this date.

Accessing your data before access ends

Download or screenshot any reports, documents, or credit information you wish to keep. Yourscoreandmore is not obligated to store your data after cancellation, so retrieve what matters to you while access remains active. Some credit reports are available for download directly from your dashboard.

Refund eligibility

Yourscoreandmore typically does not issue refunds for partial months or completed billing cycles. However, if you cancel within the trial period (7 days for monthly plans, 14 days for six-monthly plans), you should not be charged at all. If the company charged you during a trial period after you cancelled, you have grounds to request a refund under the Consumer Guarantees Act 1993.

Requesting a refund if charges persisted

If Yourscoreandmore continued to charge you after you cancelled, take these steps to recover your money.

Contact the company directly

Email [email protected] with the subject line "Refund Request - Unauthorised Charge After Cancellation." Include dates of unauthorised charges, amounts, and your cancellation confirmation. Request a full refund to your original payment method within 10 business days.

Dispute the transaction with your bank

If Yourscoreandmore does not refund within 10 days, contact your bank or credit card provider and dispute the transaction as "unauthorised charge" or "subscription not cancelled." Provide your cancellation email and confirmation as evidence. Your bank can reverse the charges and investigate on your behalf.

Escalate to the commerce commission

If your bank dispute fails or Yourscoreandmore refuses to acknowledge your cancellation request, lodge a formal complaint with the Commerce Commission. The Commission enforces consumer protection laws in New Zealand and can investigate whether Yourscoreandmore breached the Fair Trading Act 1986 or Consumer Guarantees Act 1993. You can file a complaint at www.comcom.govt.nz.

Common cancellation mistakes to avoid

Cancelling a subscription service feels stressful, but awareness of these pitfalls will keep you safe and ensure your request is honoured.

Mistake 1: assuming your trial auto-cancels

The most frequent error is believing the trial period automatically ends your subscription. It does not. Yourscoreandmore will charge you on the first day after your trial ends unless you submit an explicit cancellation request before that date. Check your account dashboard right now to confirm your trial end date and act accordingly.

Mistake 2: only cancelling through the website contact form

Contact forms are convenient but create no paper trail if the company claims they never received your request. Always follow up a contact form submission with a direct email to [email protected]. Email provides proof of sending and receiving that protects you in disputes.

Mistake 3: failing to document your cancellation

Screenshots and saved emails are your evidence if a charge appears after cancellation. Without documentation, your bank or the Commerce Commission cannot investigate your complaint effectively. Before you submit any cancellation request, take a screenshot of your current billing date and plan type. Then screenshot the confirmation message once received.

Mistake 4: not following up if you receive no reply

A missing reply does not mean cancellation is complete. Send a follow-up email within 5 business days if you receive no response. Reference your original request and reiterate that you require written confirmation of cancellation. Persistence demonstrates good faith and strengthens your position if you later need to dispute a charge.

Mistake 5: ignoring unexpected charges after cancellation

If a charge appears after your cancellation date, act immediately. Contact your bank or payment provider within 10 days to initiate a dispute. Reference your cancellation email and confirmation. The faster you report the charge, the faster your bank can investigate and reverse it.

Comparison table: your cancellation checklist

Use this checklist to ensure you've completed every step before and after cancellation.

Why yafee recommends documenting everything

Subscription disputes often hinge on whether you can prove you cancelled. Yafee exists to help New Zealand consumers navigate exactly these situations, and we've seen countless cases where email screenshots and saved confirmations resolved disputes in days. The small effort of screenshotting now saves you hours of back-and-forth later.

Your cancellation documentation also protects you if you need to escalate your complaint to the Commerce Commission. The Commission expects evidence that you made a clear, documented cancellation request. Screenshots of your emails, billing dates, and account status are the gold standard of proof.

How to escalate if Yourscoreandmore refuses to cancel

If the company ignores your cancellation request or continues to charge you after you've submitted proof of cancellation, escalation is your next step.

File a complaint with the commerce commission

Contact the Commerce Commission at www.comcom.govt.nz or call 0800 943 600. You can lodge a formal complaint alleging that Yourscoreandmore breached the Fair Trading Act 1986 by failing to honour your cancellation request or continuing to charge you unlawfully. Provide all your documentation: cancellation emails, screenshots, payment records, and any replies (or non-replies) from the company.

Dispute through your payment provider

If you paid by credit card or debit card, contact your bank immediately and initiate a "reversal" or "chargeback" dispute. Reference your cancellation email and explain that the company charged you after you cancelled. Your bank is required to investigate and can reverse unauthorised charges within 120 days of the transaction.

Small claims tribunal

If the amount disputed is under NZD$15,000 and all other avenues have been exhausted, you can file a claim in the District Court under the Small Claims process. This option is more formal but gives you a legal forum to recover your money if Yourscoreandmore refuses voluntary resolution.

Contact details for cancellation and escalation

Use the following details when you submit your cancellation request or escalate your complaint.

Yourscoreandmore cancellation contacts

Email: [email protected]

Phone: (800) 950-1840 (US-based number; international rates apply)

Online form: Visit the Yourscoreandmore website and use the Contact Us form

Postal address for cancellation: No New Zealand office is maintained by Yourscoreandmore. For postal cancellation, you must use the US headquarters address listed on the company's website. Email cancellation is strongly recommended as it generates immediate documentation.

New zealand consumer authority

Commerce Commission (Consumer complaints): www.comcom.govt.nz or 0800 943 600

Distance Sales compliance: The Fair Trading Act 1986 governs online subscription services sold to New Zealand consumers, even if the company is US-based.

Final steps: ensure you stay protected

Cancelling Yourscoreandmore is straightforward once you understand the process and your consumer rights. At Yafee, we've helped thousands of consumers cancel subscription services and recover unauthorised charges by following these exact steps. Your cancellation is not complete until you receive written confirmation, verify your account shows "cancelled," and confirm that no further charges appear on your payment method.

Email is your most powerful tool. It creates an auditable record and protects you in disputes. Follow the steps outlined above, document everything, and don't hesitate to escalate to the Commerce Commission if Yourscoreandmore fails to honour your cancellation request. New Zealand consumer law is on your side-Yafee is here to help you exercise your rights confidently. Start your cancellation today by drafting that email to [email protected].