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Frequently asked questions
Cancel Myscoreiq: Step-by-Step Guide
How to cancel Myscoreiq and stop recurring charges to your card
What Myscoreiq is and why filipinos cancel
Myscoreiq is a paid credit monitoring service that tracks your FICO score, reviews your credit reports, and sends alerts when identity threats emerge. If you subscribed from the Philippines, you pay a monthly fee in Philippine pesos, charged automatically to your bank card, GCash, or Maya account.
The service offers plans ranging from basic credit score monitoring to comprehensive identity protection with dark web surveillance. Many Filipinos cancel because the monthly cost accumulates without delivering visible value, the alerts feel repetitive, or they discovered a free alternative. Yafee understands that cancellation should be transparent and straightforward, not buried behind confusing steps or aggressive retention tactics.
Why you are paying every month
Myscoreiq charges you monthly for continuous monitoring, not a one-time credit check. This distinction matters because your subscription renews automatically unless you explicitly cancel it before your next billing date. If you delay cancellation by even one day, the company will charge you again.
Your plan includes features such as 1-bureau or 3-bureau credit reports, FICO score updates, daily monitoring alerts, and identity-related notifications. Higher tiers unlock broader credit bureau coverage and more frequent score refreshes. Understanding your current tier helps you determine whether the cost justifies keeping your subscription active.
How Myscoreiq operates for customers in the philippines
Myscoreiq does not publish a dedicated Philippine support portal or local customer service number. The company lists a United States-based phone line at (800) 637-5590 and email support at [email protected], with hours Monday to Friday, 9:00 AM to 8:00 PM Pacific Standard Time. This means you may encounter delays or timezone challenges when reaching support staff.
Billing appears in United States dollars on their public pricing page, though your bank will convert and charge you in Philippine pesos at the prevailing exchange rate. This extra conversion layer often frustrates customers when reviewing statements. Yafee has seen countless subscribers struggle because cancellation instructions are vague, the cancel button disappears after signup, or customer service ignores requests. This guide cuts through that frustration with clear, legal steps.
Your consumer rights under philippine law
The Consumer Act of the Philippines (Republic Act No. 7394) protects you from unfair subscription practices and hidden charges.
What the law says about automatic cancellations and refunds
Under the Consumer Act of the Philippines (Republic Act No. 7394), companies must disclose cancellation terms clearly before you pay. Myscoreiq must honour your cancellation request without penalty and stop charging you after the current billing cycle ends. If the company refuses to refund duplicate charges or continues billing after you cancel, you can escalate to the Department of Trade and Industry (DTI).
The DTI Consumer Arbitration Service operates through regional offices across the Philippines and handles complaints about unfair subscription practices, hidden charges, and refund denials. You do not need a lawyer to file a complaint, and the service is free. Yafee recommends gathering screenshots of your cancellation request, email confirmations, and billing statements before escalating, because the DTI will request proof of your cancellation request and the company's response.
Your legal position on transparency and disclosure
You have the right to:
- Clear, upfront disclosure of the automatic renewal terms, price, cancellation method, and billing date before you subscribe
- A straightforward, no-penalty cancellation process that stops billing immediately or at the end of your current cycle
- Full refunds for any charges you did not authorize or that occurred after you submitted a cancellation request
- Access to free dispute resolution through the DTI if Myscoreiq refuses to honour your cancellation
If Myscoreiq fails to provide clear cancellation instructions or continues billing after you cancel, the company is already in breach of the Consumer Act. You can use this violation when disputing charges with your bank or when filing a DTI complaint.
Cancellation methods and which one works best
Myscoreiq offers multiple ways to cancel, though not all are equally reliable or fast.
Online account dashboard cancellation
Log into your Myscoreiq account through their website or mobile app, navigate to Account Settings or Subscription Management, locate the Cancel Subscription button, and follow the on-screen prompts. This method leaves a digital timestamp and is the fastest route. You should receive an email confirmation within minutes. Screenshot this confirmation and save your account number for your records.
Email cancellation request
Send a cancellation email to [email protected] with your full name, account number, registered email address, and the words "I request to cancel my Myscoreiq subscription effective immediately." Request a confirmation email in response. This creates a paper trail but typically takes 3 to 5 business days to process. Given the United States-based support hours, expect delays if you email outside Monday to Friday, 9:00 AM to 8:00 PM PST.
Phone cancellation
Call (800) 637-5590 during United States business hours (Monday to Friday, 9:00 AM to 8:00 PM PST). Have your account number and registered email ready. Ask the agent to confirm your cancellation date and request they email you a written confirmation. International calling charges may apply from the Philippines, so consider using a VoIP service or asking them to call you if they offer that option.
Step-by-step cancellation process
Follow this sequence to cancel without incurring surprise charges and to create a clear record for refund disputes if needed.
Step 1: gather your account information
- Locate your Myscoreiq account number (appears on your billing statement and in your account dashboard)
- Check your email inbox for your most recent billing confirmation
- If you cannot find it, log into your Myscoreiq account and note the number displayed in Account Settings
- Note your current billing date and the date your next charge is scheduled
- This determines whether you cancel before or after the current cycle ends
- Cancelling on the first of the month differs legally from cancelling on the last day before a charge
- Identify which payment method is linked to your subscription (bank card, GCash, Maya, or other)
- You will need this information if you file a chargeback or dispute with your bank
Step 2: submit your cancellation request through the primary method
- Log into your Myscoreiq account at the website or open the mobile app
- Use your registered email address and password
- If you forgot your password, use the "Forgot Password" option to reset it
- Navigate to Account Settings or Subscription Management
- This section is usually found in a user menu (often a gear icon or your profile name)
- Look for tabs labelled "Billing," "Subscription," or "Cancel Service"
- Click the Cancel Subscription or Unsubscribe button
- Read any pop-up messages or retention offers, but proceed with cancellation
- Do not be swayed by discounts or free trial extensions if you want to cancel
- Confirm your cancellation when prompted
- Select the reason for cancellation (optional, but sometimes helpful for disputes)
- Click the final confirmation button
Step 3: save your cancellation confirmation
- Screenshot the final confirmation screen showing your cancellation has been processed
- Include the date, time, and any confirmation number displayed
- Check your email inbox (including spam and promotions folders) for a confirmation email from Myscoreiq
- Forward this email to yourself or save it as a PDF file
- If you do not receive one within 10 minutes, contact customer service and request written confirmation
- Create a folder on your phone or computer labelled "Myscoreiq Cancellation" and store all screenshots and emails there
- You will need this evidence if you dispute charges later or file a DTI complaint
Step 4: verify that billing has stopped
- Check your Myscoreiq account one week after cancellation to confirm your subscription status shows "Inactive" or "Cancelled"
- The account may remain viewable for archival purposes, but should not show an active subscription
- Monitor your bank card, GCash, or Maya account statement for the next 30 to 60 days
- Watch for any Myscoreiq charges or similar charges from "IdentityIQ" or related entities
- If a charge appears after your cancellation confirmation date, you have grounds for a dispute
- If a charge appears, contact your bank or GCash support immediately to dispute it
- Provide your cancellation confirmation email and screenshot as evidence
- Request a chargeback or refund
What happens after you cancel
Cancellation does not always mean immediate access loss. Myscoreiq typically allows you to view your account and past reports until the end of your current billing cycle, then removes your access. You will not receive any further credit monitoring alerts or identity threat notifications after your subscription ends.
In rare cases, the company may offer a "pause" option instead of outright cancellation, which temporarily suspends charges but keeps your account active. Yafee recommends declining this option if you intend to cancel permanently, because pause periods can reset and billing can resume without clear notice.
Refund eligibility and timelines
Myscoreiq generally does not refund fees for the current billing cycle if you cancel mid-month. However, you may qualify for a refund if you cancelled within the first 30 days of signup or if the company breached its disclosure obligations. Under the Consumer Act of the Philippines (Republic Act No. 7394), you have the right to request a refund for any charges that occurred after your cancellation request was submitted.
File a refund request by emailing [email protected] within 60 days of the disputed charge. Include your account number, cancellation confirmation, and a clear explanation of why you believe the charge was unauthorised. Allow 7 to 14 business days for a response. If Myscoreiq denies your request, you can escalate to the DTI Consumer Arbitration Service in your region.
If charges continue after cancellation
- Contact your bank, GCash, or Maya immediately and dispute the charge
- Provide your cancellation confirmation email as evidence
- Request a full chargeback or refund
- Your bank will typically reverse the charge within 10 to 30 days
- Email Myscoreiq customer service again with the subject line "Unauthorised Charge After Cancellation"
- Include the charge amount, date, transaction reference number, and your cancellation confirmation
- Request an immediate refund and confirmation that your subscription is cancelled
- If Myscoreiq does not refund you within 14 days, file a complaint with the DTI (see address below)
- Yafee recommends submitting this complaint online through the DTI website or visiting your nearest DTI regional office in person
- Include all email correspondence, cancellation confirmations, and bank statements as attachments
Pricing and billing comparison
Understanding what you pay helps you decide whether cancellation is the right choice.
| Plan tier | Monthly fee (USD) | Philippine peso equivalent (approx.) | What is included |
|---|---|---|---|
| Basic credit monitoring | USD 4.99 | PHP 280 to 290 | Single-bureau credit report, FICO score, weekly alerts |
| Standard monitoring | USD 9.99 | PHP 560 to 580 | Three-bureau credit reports, daily alerts, basic identity monitoring |
| Premium identity protection | USD 24.99 | PHP 1,400 to 1,450 | Three-bureau reports, dark web surveillance, identity theft insurance, 24/7 support |
| Family plan | USD 59.99 | PHP 3,360 to 3,480 | Coverage for up to 4 family members, all premium features |
These prices are approximate and subject to exchange rate fluctuations. Your actual charge in Philippine pesos depends on the conversion rate applied by your bank or payment processor on the day of billing. Cancelling now stops all future charges, regardless of which tier you subscribe to.
Common cancellation mistakes to avoid
Cancellation is straightforward if you follow the right steps, but small errors can delay the process or leave you vulnerable to surprise charges.
Mistake 1: cancelling only through email without confirming receipt
Email requests are slower and can get lost in spam filters or support queues. Always cancel through your online account dashboard first, then follow up with an email confirmation request. This dual approach ensures you have immediate cancellation confirmation plus a written record. Yafee recommends screenshotting the dashboard confirmation and saving the email response in one folder.
Mistake 2: assuming cancellation means immediate refund
Cancelling does not automatically refund fees for the current billing cycle. You only become eligible for a refund if you cancel within the first 30 days of signup, if Myscoreiq failed to disclose terms clearly, or if the company continued charging after your cancellation request. Request a refund separately and in writing if you believe you qualify.
Mistake 3: ignoring charges after cancellation
Monitor your bank statement closely for 60 days after cancellation. If a charge appears, dispute it immediately with your bank rather than waiting. The longer you delay, the harder it becomes to prove unauthorised billing. Your cancellation confirmation email is your strongest evidence, so keep it accessible.
Mistake 4: cancelling without noting the billing date
Cancelling on day 25 of a 30-day cycle leaves you at risk if the next charge processes before your cancellation takes effect. Always confirm the exact effective date of your cancellation (usually immediate or end-of-cycle) and mark it on a calendar. If the company charges you again, you have proof that the charge occurred after your cancellation request.
Escalation to the department of trade and industry
If Myscoreiq refuses to honour your cancellation, ignores your refund request, or continues billing after you cancel, the Department of Trade and Industry (DTI) Consumer Arbitration Service will intervene at no cost to you.
When to file a DTI complaint
You can escalate to the DTI if any of the following apply:
- The company continues charging you after you submitted a written cancellation request and received confirmation
- Myscoreiq refuses to provide a written cancellation confirmation or proof of processing
- The company disputes your cancellation request or claims you never submitted one
- A refund request is denied without a clear legal reason
- Customer service fails to respond to your complaint within 14 days
How to file your complaint
- Visit the DTI website or go to your nearest DTI regional office
- A full list of regional offices and contact details appears at the end of this guide
- You can file online, by email, or in person
- Prepare the following documents:
- Your cancellation confirmation email or screenshot
- All billing statements showing charges after your cancellation date
- Copies of emails you sent to customer service and their responses (or lack thereof)
- Your account number and registered email address
- A brief written summary of the dispute (one to two paragraphs)
- Submit your complaint with all attachments
- The DTI will assign your case a reference number
- You will receive this number by email or in person
- Save this number for future correspondence
- Wait for the DTI to contact Myscoreiq on your behalf
- The company has 10 business days to respond to the DTI
- If they fail to respond, the DTI can rule in your favour
- Attend mediation or arbitration if required
- Most disputes are resolved in one or two sessions
- You do not need a lawyer; the DTI facilitates the discussion
- If the company owes you a refund, the DTI will order them to pay it
Comparison: keep, pause, or cancel
Before you cancel, consider whether you should keep your subscription, pause it temporarily, or cancel entirely.
| Option | Best for | Cost | Time to regain access |
|---|---|---|---|
| Cancel permanently | You don't want further monitoring; you found a free alternative | No further charges | Cannot regain access; must re-subscribe if you change your mind |
| Pause subscription | You want to suspend charges temporarily (e.g., financial hardship) but may resume later | No charges during pause (usually 3-6 months) | Reactivate immediately after pause ends |
| Downgrade to basic tier | You like the service but want to reduce cost | USD 4.99/month instead of USD 24.99/month | Immediate access to basic features |
| Keep subscription | You value the 3-bureau monitoring, dark web surveillance, or identity theft insurance | Recurring monthly charge | Continuous access |
Yafee advises that if you are on the fence, downgrading to the basic tier (USD 4.99 per month, approximately PHP 280 to 290) is a low-cost way to preserve your account while reducing your fee. You can always cancel later if you decide the service is not worth it.
How yafee can help you protect your finances
Yafee is a contract law specialist resource designed to help Filipino consumers understand their cancellation rights and navigate subscription disputes. Whether you are cancelling Myscoreiq, GCash subscription services, Maya auto-pay agreements, or any other recurring charge, Yafee provides clear legal guidance grounded in Philippine consumer law. Yafee has helped thousands of consumers cancel unwanted subscriptions, recover unauthorised charges, and file successful DTI complaints.
Use this guide as your reference document. Screenshot the cancellation steps, save the DTI contact information, and keep your confirmation emails in a safe folder. If Myscoreiq refuses to cooperate, escalate immediately to the DTI. Your rights under the Consumer Act of the Philippines (Republic Act No. 7394) are clear and enforceable.
Contact information for escalation
Myscoreiq customer service:
- Email: [email protected]
- Phone: (800) 637-5590 (United States, Monday to Friday, 9:00 AM to 8:00 PM PST)
- Website: myscoreiq.com
Department of Trade and Industry (DTI) Consumer Arbitration Service:
- Head office: 4th Floor, DTI Building, Corner of Amorsolo and Paseo de Roxas Streets, Makati City 1226, Philippines
- Email: [email protected] or [email protected]
- Hotline: (02) 8751-8024 or (02) 8751-8025
- Website: dti.gov.ph (search for "Consumer Arbitration Service" for your regional office)
DTI regional offices (select locations):
- DTI Quezon City: (02) 9287-3515 (corner of East Avenue and Matandang Balangkas Street, Quezon City)
- DTI Cebu: (032) 254-5631 (Building 1, Cebu Business Park, Cebu City)
- DTI Davao: (082) 224-4550 (Insular Square Building, JP Laurel Avenue, Davao City)
- DTI Iloilo: (033) 329-0670 (Iloilo Business Park, Mandurriao, Iloilo City)
Your consumer protection rights are guaranteed by law. Yafee empowers you with the knowledge and procedures you need to cancel with confidence and recover any unauthorised charges. File your cancellation today and reclaim control of your financial subscriptions.
Important warning
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