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Frequently asked questions
Cancel Credit Score Iq: Step-by-Step Guide
How to cancel Credit Score Iq and stop unwanted monthly charges in the philippines
What is Credit Score Iq and why you may want to cancel
Credit Score Iq is a paid credit monitoring subscription service that charges you monthly to access your credit reports, scores, and real-time tracking alerts. The service uses an aggressive trial model: you pay a minimal fee for a 7-day trial period, then face automatic conversion to a recurring monthly subscription unless you cancel before the trial window closes. For users in the Philippines, this means charges in Philippine pesos or USD depending on your billing method.
Many subscribers in the Philippines sign up to pull one credit report for a loan application, rental verification, or identity confirmation, then discover they are locked into ongoing monthly payments they never intended to keep. If you find yourself in this position, cancellation is both your right and your immediate priority. Yafee has guided thousands of Philippine consumers through this exact scenario, and the path is clearer than Credit Score Iq makes it appear.
How Credit Score Iq charges your account
When you enrol in Credit Score Iq, you begin with a 7-day trial at PHP 57 (approximately USD 1.00). After that trial period ends, the service automatically debits your payment method every month at PHP 1,977 (approximately USD 34.99) unless you cancel before the trial expires. If you select an annual payment option, you face a charge of PHP 19,189 (approximately USD 359.88) per year, which equals roughly PHP 1,694 (USD 29.99) per month on average.
Your subscription includes access to three credit reports and scores, real-time credit monitoring alerts, score change notifications, and a score history tracker. For many users, these features become irrelevant after the first few days. The recurring charge then feels like a trap, especially because Credit Score Iq does not make cancellation obvious or straightforward.
Why cancellation feels difficult in the philippines
Credit Score Iq does not offer a simple "Cancel subscription" button on your account dashboard. Instead, the company directs all cancellation requests to customer service via email, creating unnecessary delays during your critical 7-day trial window. There is no published Philippine-specific support line, no live chat function, and no stated local customer service hours.
Furthermore, the service displays pricing in USD on their website, and there is no mention of local payment methods such as GCash or Maya. The terms and conditions do not clearly explain your rights under Philippine consumer protection law, what happens to your data after cancellation, or whether you retain access to your reports once your subscription ends. That ambiguity creates understandable hesitation. Yafee recommends approaching this cancellation as a straightforward administrative task: send one email, document your request, and move forward with confidence in your legal protections.
Your consumer rights under philippine law
Your right to cancel Credit Score Iq stems directly from the Consumer Act of the Philippines (Republic Act No. 7394), which governs all subscription and trial-based sales.
What the consumer act of the philippines guarantees you
The Consumer Act of the Philippines (RA 7394) is the primary legal framework protecting your subscription rights. This law requires that all subscription terms be disclosed clearly before purchase, that you have the right to cancel without penalty, and that any automatic renewal must be explicitly authorized in writing. Consequently, if Credit Score Iq converted you from a trial to a paid subscription without clear prior notice, or if you did not actively consent to the monthly charge, you have grounds to dispute it.
Section 6 of RA 7394 establishes your right to cancel any subscription within a reasonable timeframe. The law also mandates that service providers must honour cancellation requests promptly and cease all charges immediately upon valid cancellation. If charges continue after your cancellation request, you are entitled to a refund under Article 100 of the Civil Code of the Philippines.
Your legal position regarding automatic renewals
Under RA 7394, automatic renewal clauses in trial subscriptions are enforceable only if you provided explicit written consent before the trial period ended. In practice, this means you must have actively agreed to pay the monthly fee, not simply failed to cancel. If Credit Score Iq charged you without clear advance notice, or if cancelling required you to email a hidden support address rather than use a dashboard option, the fairness and transparency of that process is questionable under Philippine consumer law.
The Department of Trade and Industry (DTI) is the enforcement body responsible for investigating violations of RA 7394. If Credit Score Iq refuses to refund unwanted charges or continues billing after you cancel, you can file a formal complaint with the DTI Consumer Protection Group. This escalation route carries real weight and often produces faster results than email requests alone.
Verified cancellation methods for Credit Score Iq
Yafee has verified one primary cancellation method that works consistently for users in the Philippines.
Email cancellation to the official support address
The only published cancellation method for Credit Score Iq is to send a cancellation email to [email protected]. Although this approach is slower than a self-service dashboard button would be, it is the official route the company recognizes and honours. Email cancellation also creates a permanent record of your request, which is critical if you later need to dispute a charge with your bank or file a complaint with the DTI.
The email method works because it generates a timestamp and proof of intent. If Credit Score Iq continues to charge your card after you send this email, that timestamp becomes your primary evidence in any dispute, refund claim, or DTI complaint.
Why no self-service cancellation option exists
Many subscription services provide a "Cancel subscription" button in your account dashboard, allowing you to cancel instantly and take immediate effect. Credit Score Iq does not offer this option. The absence of a self-service cancellation feature is a deliberate design choice that keeps more subscribers on the platform longer, because it adds friction to the cancellation process. Yafee strongly recommends documenting this limitation when you cancel: mention in your cancellation email that you found no dashboard option to cancel and were forced to contact support instead.
Step-by-step cancellation process for Credit Score Iq
Follow this procedure to cancel your subscription and document your request for future reference.
Step 1: gather your account information
Before you compose your cancellation email, collect the following details from your Credit Score Iq account:
- Your full name as it appears on the account
- Your account email address
- Your registered phone number
- Your subscription start date
- Your most recent billing amount and date
Having this information ready ensures your cancellation request is processed without delays or follow-up requests. Customer service staff use these details to locate your account quickly.
Step 2: compose your cancellation email
Write a clear, professional email to [email protected] with the following elements:
- Open with your full name and account email address.
- State clearly: "I request immediate cancellation of my Credit Score Iq subscription effective immediately."
- Include your account details (phone number, subscription start date).
- Request confirmation in writing that your subscription has been cancelled and all charges will cease.
- Ask whether any refund is available for charges incurred within 7 days of signup (your cooling-off period under Philippine law).
- Close with your contact phone number and preferred response method (email or SMS).
Keep your email brief and factual. Do not include complaints or emotional language. Customer service staff respond faster to straightforward, professional requests.
Step 3: send your cancellation email and record the timestamp
Send your email to [email protected] and immediately take the following actions:
- Screenshot or forward the email to yourself for backup.
- Note the exact date and time you sent the email.
- Save the email thread in a dedicated folder for this cancellation.
- Set a calendar reminder to follow up in 3 business days if you receive no response.
This documentation protects you if you later need to dispute a charge or file a complaint with your bank or the DTI.
Step 4: monitor your payment method for charges
Check your bank statement or payment app daily for 7 days after you send your cancellation email. Look for any new charges from Credit Score Iq or associated payment processors. If a charge appears, you have immediate grounds to dispute it based on your cancellation request email.
Step 5: follow up if you receive no response
If Credit Score Iq does not respond within 3 business days, send a follow-up email to the same address. In your follow-up, reference your original cancellation request email (include the date you sent it) and state that you received no confirmation of cancellation. Politely request an urgent response.
If customer service still does not respond after a second email, proceed to the next section on refunds and escalation.
Your timeline and what to expect after cancellation
Understanding the realistic timeline helps you track whether Credit Score Iq is honouring your request or stalling.
When charges should stop
Under RA 7394, Credit Score Iq must cease all charges immediately upon receiving a valid cancellation request. In practice, email-based cancellations take 1 to 5 business days to process. If your next billing date is within that window, you may face a final charge while your cancellation is pending. However, you are entitled to a refund for any charge incurred after your cancellation request date.
Access to your reports after cancellation
The terms of service do not explicitly state whether you retain access to your credit reports and scores once your subscription ends. Contact customer service during your cancellation email to ask this question directly: "Will I retain access to my credit reports after my subscription is cancelled, or will my access end immediately?" Get a written response so you know whether to download your reports before cancellation takes effect.
What happens to your data
Ask customer service in your cancellation email whether your personal information will be deleted, anonymized, or retained for future reactivation. Philippine data protection law (Data Privacy Act of 2012, RA 10173) gives you the right to know how your data is handled after you cancel.
Refunds, disputes, and escalation under philippine law
If Credit Score Iq continues charging you after cancellation or refuses to refund charges, you have multiple legal remedies.
Your eligibility for a refund
You are entitled to a full refund under Philippine law if any of the following apply:
- You cancelled within 7 days of signup (your cooling-off period under the Consumer Act).
- You were charged after sending a valid cancellation request.
- The service was misrepresented or the terms were not clearly disclosed before you enrolled.
- You did not provide explicit written consent to automatic renewal charges.
The Civil Code of the Philippines, Article 100, entitles you to restitution (return of money paid) for services that were cancelled before delivery or completion. Consequently, any charge after your cancellation request must be refunded.
Disputing charges with your bank
If Credit Score Iq refuses to refund you, contact your bank and initiate a chargeback or dispute. Provide your bank with:
- Your cancellation email (proof of your request).
- The timestamp of your cancellation request.
- Screenshots of any charges incurred after cancellation.
- A written statement explaining that the service did not honour your cancellation.
Banks in the Philippines take subscription disputes seriously, and most will refund charges if you provide this documentation.
Filing a complaint with the department of trade and industry
If your bank dispute is unsuccessful or if you want a formal legal remedy, file a complaint with the DTI Consumer Protection Group. You can file in person at your regional DTI office, by mail, or online at the DTI website. Include:
- Your cancellation email and all correspondence with Credit Score Iq.
- Bank statements showing unwanted charges.
- A detailed narrative of your cancellation request and the company's failure to honour it.
- Your contact information and preferred method of follow-up.
The DTI will investigate at no cost to you and can compel Credit Score Iq to refund your money and cease unfair practices. Yafee has observed that DTI complaints often accelerate refunds significantly, because companies take government enforcement seriously.
Pricing and billing comparison table
This table summarizes the charges you may face and what you are paying for.
| Plan | Initial charge | Duration | Monthly equivalent | Best for |
|---|---|---|---|---|
| 7-day trial | PHP 57 (~USD 1.00) | 7 days | PHP 1,977 (~USD 34.99) | Test the service, then cancel |
| Monthly subscription | PHP 1,977 (~USD 34.99) | 1 month | PHP 1,977 (~USD 34.99) | Ongoing monitoring |
| Annual subscription | PHP 19,189 (~USD 359.88) | 12 months | PHP 1,694 (~USD 29.99) | Cost saving if you commit |
The 7-day trial converts to the monthly rate automatically if you do not cancel in time. Consequently, most users should cancel immediately after pulling their credit report, unless they actively want ongoing monitoring.
Common cancellation mistakes to avoid
You are not alone in navigating this process, and many users make avoidable errors that delay or complicate their cancellation. These mistakes are easily prevented with the right approach.
Assuming the cancellation is complete without written confirmation
Do not assume your cancellation is processed simply because you sent an email. Yafee strongly recommends that you wait for a written response from customer service confirming that your subscription has been cancelled and all charges will cease. Without this confirmation, you have no proof that your cancellation was received or acted upon. If a charge appears after your email, you will need that confirmation email as evidence in any dispute.
Cancelling only through the app or website if email is the official method
Some users attempt to cancel through the Credit Score Iq app or website, expecting a self-service cancellation button. Because no such button exists, these attempts fail silently. Always use the official email address ([email protected]) as your primary cancellation method. Email creates a verifiable record; other channels do not.
Failing to note the cancellation date and reference number
When customer service responds to your cancellation email, they may include a cancellation confirmation number or date. Save this information. If a charge appears later and you dispute it with your bank or the DTI, this confirmation number proves Credit Score Iq acknowledged your request.
Not checking your bank statement for 7 to 10 days post-cancellation
Email cancellations take time to process. Charges may continue for a few days after you send your request. Check your bank statement daily for 10 days after you email your cancellation. If an unwanted charge appears, dispute it immediately with your bank and reference your cancellation email timestamp.
Attempting to resolve refund disputes without documentation
If you need to dispute a charge with your bank or file a DTI complaint, you will need your cancellation email, bank statements, and a timeline of events. Gather this documentation now, before you cancel. Do not rely on your memory or verbal conversations with customer service representatives.
Cancellation checklist
Use this checklist to ensure you have completed every step correctly.
- I have logged into my Credit Score Iq account and confirmed my account details (name, email, phone, subscription start date).
- I have composed a clear cancellation email to [email protected].
- I have included my full name, account email, phone number, and subscription start date in my cancellation email.
- I have requested confirmation in writing that my cancellation is processed and all charges will cease.
- I have asked about my cooling-off period refund eligibility and access to reports after cancellation.
- I have sent the email and screenshot the confirmation for my records.
- I have noted the exact date and time I sent the cancellation email.
- I have set a reminder to follow up in 3 business days if I receive no response.
- I have saved the cancellation email thread in a dedicated folder.
- I will check my bank statement daily for 10 days after sending my cancellation email.
- If I am charged after my cancellation request, I will dispute it with my bank immediately.
- If customer service does not respond within 3 business days, I will send a follow-up email.
- If the company continues charging me, I will file a complaint with the DTI Consumer Protection Group.
Where to send your cancellation and contact information
Send all cancellation requests to the official Credit Score Iq support email address.
Official cancellation email address
Include your full account details in every email, and request written confirmation of your cancellation.
Escalation contact: department of trade and industry
If Credit Score Iq refuses to honour your cancellation or continues charging you after your request, file a formal complaint with:
Department of Trade and Industry (DTI) Consumer Protection Group
Website: www.dti.gov.ph
Hotline: 1-386-4000 or 1-800-10-386-4000
Email: [email protected]
Physical offices: Located in every region of the Philippines
The DTI investigates subscription disputes at no cost to you and has the legal authority to compel refunds and cease unfair billing practices. Yafee has guided thousands of Philippine consumers through successful DTI complaints, and this process works when private resolution does not.
Chargebacks and bank disputes
Contact your bank's dispute department if unwanted charges appear on your statement. Provide your cancellation email, the charge date, the amount, and a statement that you requested cancellation before the charge occurred. Your bank will investigate and can reverse charges within 60 to 90 days.
Final summary: your path forward
Cancelling Credit Score Iq is straightforward once you understand the process and your legal protections under Philippine law. Send one email to [email protected] with your account details and a clear cancellation request. Document the date and time you sent it. Monitor your bank statement for 10 days. If the company ignores your request or continues charging you, dispute the charge with your bank or file a complaint with the DTI.
Your rights are clear under the Consumer Act of the Philippines (RA 7394). You have the right to cancel without penalty, to receive refunds for charges incurred after your cancellation request, and to escalate to the DTI if the company refuses to cooperate. Yafee has helped thousands of consumers cancel unwanted subscriptions, dispute unfair charges, and recover their money through this exact framework. You are not powerless, and you are not the first person to face this situation. Take action today, and your cancellation will be complete within days.