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Frequently asked questions
Cancel Viewfreescore: The Right Way
How to cancel Viewfreescore and recover your money in the philippines
Understanding Viewfreescore and why you need to act fast
Viewfreescore is a subscription-based credit monitoring service that offers access to credit scores, detailed credit reports, monitoring tools, and identity theft alerts. The service operates on an aggressive trial-to-paid conversion model: you start with a low-cost trial (typically ₱55 for 7 days), which automatically converts to a recurring monthly charge unless you cancel explicitly before the trial expires. This cancellation model is where most Filipino users encounter problems.
The fundamental issue is timing. Once your trial period ends, Viewfreescore charges your payment method automatically. Many users forget to cancel within the trial window, or their cancellation request fails to process in time. Consequently, unexpected charges appear on their credit cards or bank accounts days or even weeks later. Furthermore, because Viewfreescore is not a Philippines-based company, recovering that money requires navigating overseas support channels and understanding your legal protections under Philippine consumer law.
At Yafee, we help thousands of consumers understand their cancellation rights and recover unauthorized charges from subscription services. This guide will walk you through the legal framework protecting you, the practical steps to cancel Viewfreescore, and how to claim a refund if you have been charged incorrectly.
How viewfreescore's trial-to-paid conversion works
When you sign up for Viewfreescore, you receive immediate access to credit monitoring features and alerts. The trial period-typically seven days at ₱55-appears cheap and risk-free. However, the service automatically enrolls you in a paid subscription when the trial ends. The recurring charge varies by subscription tier but ranges from ₱1,650 to ₱2,200 per month, depending on the features you selected during signup.
The cancellation trap operates like this: Viewfreescore expects you to cancel before the trial deadline. If you do not actively cancel through their website or contact their support team before the trial period closes, your subscription becomes active and you are charged the full monthly fee. This automatic charge occurs without a reminder email or explicit confirmation. Many users discover the charge only when reviewing their bank or credit card statement days later.
Support delays and time zone complications
Viewfreescore's support team operates on Pacific Time (PT), Monday to Friday, 06:00 to 22:00 PT. For users in the Philippines, this means support is available only during a narrow window: typically 21:00 to 10:00 Philippine Standard Time (PST). If a charge appears on a Saturday or Sunday, or if you contact support outside this window, you will not receive a response until the next business day. That delay can be critical when trying to reverse an unauthorized charge or confirm a cancellation.
Additionally, Viewfreescore does not offer local payment methods such as GCash or Maya, and there is no Philippines office or local language support. This creates friction at every stage: paying for the trial, canceling the subscription, and disputing charges all require dealing with an overseas company operating on a different time zone.
Your consumer rights under philippine law
The Philippine legal system provides robust protections for consumers in subscription services, and Viewfreescore must comply with these laws regardless of where it is based.
Republic act no. 7394 and your cancellation rights
Republic Act No. 7394, commonly known as the Consumer Act of the Philippines, establishes your fundamental right to cancel a subscription service without undue penalty or hardship. Under this law, you have the right to:
- Receive clear, accurate information about subscription terms before any charge is made
- Cancel at any time, effective immediately or within a reasonable grace period
- Receive a refund if the service fails to meet the terms promised at signup
- File a complaint with the Department of Trade and Industry (DTI) if the company refuses to cancel or wrongfully charges you
Critically, Republic Act No. 7394 requires that all cancellation methods-whether online, by phone, or by email-must be as easy and accessible as the signup process itself. If Viewfreescore makes cancellation deliberately difficult or charges you after you have submitted a valid cancellation request, this violates Philippine consumer law.
Your legal position on automatic billing
Under Republic Act No. 7394, automatic renewal clauses (such as trial-to-paid conversions) are only valid if Viewfreescore obtained your explicit, informed consent before the first charge and provided you with clear cancellation instructions. If you did not receive a reminder notice before the trial ended, or if the cancellation option was hidden or non-functional, Viewfreescore breached its legal obligations. You have the right to demand a full refund of any charges incurred during the breach period.
Consequently, if you believe you were charged unfairly, you are not simply a customer seeking customer service-you are a consumer exercising a statutory right under Philippine law. This distinction matters: it means you can escalate your complaint to a government agency (the DTI) rather than relying solely on the company's goodwill.
When you should cancel Viewfreescore
Certain situations make cancellation essential, while others may warrant a short trial before deciding to stay or leave.
Reasons to cancel immediately
Cancel Viewfreescore immediately if any of the following apply to you:
- You signed up only to check your credit score and have no intention of ongoing monitoring
- Your trial period is about to end or has already ended (to stop recurring charges)
- You discover you were charged without authorizing a paid subscription
- You find the same credit information free on other platforms (such as BDO Credit Card or other Philippine banks)
- The service quality does not match the promised features or advertised benefits
- You cannot reliably contact support due to the time zone barrier or language limitations
- You dispute a charge and Viewfreescore refuses to refund it within 14 days
At Yafee, we recommend canceling before your trial ends rather than disputing a charge after it has been made. Prevention is always faster and less stressful than remediation.
Situations where you might keep the subscription
You may consider keeping Viewfreescore if you actively use the credit monitoring alerts, regularly check your credit reports for fraud, and find the monthly fee justified by the peace of mind the service provides. However, compare the cost (₱1,650-₱2,200 per month) against free or cheaper alternatives available in the Philippines before committing.
How to cancel Viewfreescore step-by-step
Canceling Viewfreescore requires you to follow the correct procedure and maintain records of your cancellation request. Do not assume the cancellation is complete until you receive written confirmation.
Step 1: log in to your Viewfreescore account
Go to the Viewfreescore website and sign in using your email address and password. If you have forgotten your password, use the "Forgot Password" link to reset it. You must have account access to cancel through the website portal-the easiest and fastest method.
Step 2: locate the cancellation or account settings option
Once logged in, look for a menu option labeled "Account Settings," "Subscription," "Billing," or "Manage Subscription." This is typically found in the top-right corner or in a drop-down account menu. Click on this option to access your subscription details.
Step 3: find and click the cancel subscription button
Within your account settings, you should see a button or link labeled "Cancel Subscription," "Cancel Membership," or "End Trial." Viewfreescore may also ask you why you are canceling or offer you a discounted rate to stay. Do not be swayed by retention offers-proceed with cancellation if that is your decision.
Step 4: confirm your cancellation and download your confirmation email
Viewfreescore will ask you to confirm the cancellation. After you confirm, the system should display a confirmation message on-screen and send you a confirmation email to your registered email address. This email is critical: it serves as proof that you canceled on a specific date. Download or print this email immediately and store it safely.
Step 5: verify no further charges appear on your account
Wait three to five business days after cancellation, then check your credit card or bank statement. If a charge for Viewfreescore appears after your cancellation date, you have evidence that the cancellation failed. Document this charge and proceed to the refund process outlined below.
If you cannot access your account or the cancellation button is not working, contact Viewfreescore support by email at [email protected]. In your email, state clearly that you wish to cancel your subscription effective immediately, provide your account email address, and request written confirmation of the cancellation. Yafee recommends sending this email during Philippine business hours-specifically during Viewfreescore's support window (21:00 to 10:00 PST)-to minimize response time.
Alternative: contact Viewfreescore by phone
If email is slow or you receive no response, contact Viewfreescore's support line during their operating hours. Have your account details ready and clearly state that you are canceling your subscription. Ask the support representative to confirm the cancellation and provide you with a reference number. Send a follow-up email repeating the cancellation request and referencing the support agent's name and reference number. This creates a paper trail if a dispute arises later.
How to request a refund if you were charged unfairly
If Viewfreescore charged you after you canceled, or if you were charged without authorizing a paid subscription, you have the right to demand a full refund under Philippine consumer law.
Step 1: contact Viewfreescore and request a refund in writing
Send a formal refund request email to [email protected]. Include the following:
- Your account email address and account number (if available)
- The date you canceled (referencing your confirmation email)
- The date the unauthorized charge appeared on your statement
- The amount charged (₱ figure)
- A statement that you are requesting a full refund and the reason (canceled before charge, unauthorized trial-to-paid conversion, service not as advertised, etc.)
- A copy of your cancellation confirmation email as an attachment
- A deadline for Viewfreescore to respond (typically 10-14 business days)
Use professional but firm language. Example: "I canceled my subscription on [date], as confirmed by your email dated [date]. I was charged ₱[amount] on [date], after my cancellation took effect. This charge violates my cancellation request and Philippine consumer law (Republic Act No. 7394). I demand a full refund within 14 days. Failure to comply will result in an escalation to the Department of Trade and Industry."
Step 2: wait 14 days for viewfreescore's response
Viewfreescore should respond within 14 calendar days. If they approve the refund, they will process it to your original payment method within 5-10 business days. If they refuse or do not respond, move to Step 3.
Step 3: dispute the charge with your bank or credit card company
If Viewfreescore refuses the refund, contact your bank or credit card company immediately. Most banks in the Philippines (BDO, BPI, Metrobank, etc.) allow you to dispute unauthorized or unwanted charges through a process called a "chargeback" or "transaction reversal request."
Provide your bank with:
- Your cancellation confirmation email from Viewfreescore
- Your refund request email to Viewfreescore
- Evidence that Viewfreescore did not respond or refused the refund
- A statement that the charge was unauthorized or made in breach of your cancellation request
Your bank will investigate the dispute and, in most cases, will reverse the charge within 30-45 days. The burden of proof rests on Viewfreescore to demonstrate that the charge was valid. Because you have documented evidence of your cancellation, your bank will likely rule in your favor.
Step 4: file a complaint with the department of trade and industry if necessary
If your bank's chargeback dispute fails or if Viewfreescore's refusal affects multiple charges, file a formal complaint with the Department of Trade and Industry (DTI). The DTI has the authority to investigate violations of Republic Act No. 7394 and compel companies (including foreign ones operating in the Philippines) to issue refunds and pay penalties.
Visit the DTI website (dti.gov.ph) or visit a local DTI office to file a complaint. Provide all documentation: your signup email, cancellation confirmation, the refund request, Viewfreescore's response (or non-response), and your bank's chargeback outcome. The DTI will contact Viewfreescore on your behalf and escalate the matter if the company does not comply.
Viewfreescore pricing and billing breakdown
Understanding Viewfreescore's pricing structure helps you assess whether the service is worth the cost and what you should expect to be charged.
| Plan tier | Trial cost and period | Full monthly price | Features included |
|---|---|---|---|
| Basic trial | ₱55 for 7 days | ₱1,650 | Credit score access, monthly reports |
| Standard (recommended comparison) | ₱55 for 7 days | ₱1,980 | Score, reports, monitoring alerts, identity theft insurance |
| Premium | ₱55 for 7 days | ₱2,200 | All features, credit counseling, dispute assistance |
| Advertised "discount" | Variable | ₱22 (promotional) | Limited features; verify at checkout |
The trial price of ₱55 is designed to be attractive and low-risk. However, the full monthly charge of ₱1,650-₱2,200 represents a significant commitment. Before you sign up, research free alternatives available in the Philippines, such as checking your credit report directly through Philippine credit bureaus at no cost.
Common mistakes to avoid when canceling Viewfreescore
Canceling a subscription should be straightforward, but many users make avoidable errors that delay their cancellation or allow unwanted charges to continue. Yafee has helped thousands of consumers avoid these pitfalls.
Mistake 1: canceling your credit card instead of canceling the subscription
Do not assume that canceling your credit card or updating your payment method will automatically cancel your subscription. Viewfreescore will attempt to charge your new payment method if you provide it, or will send your debt to a collection agency if the original payment method is no longer valid. Always cancel the subscription itself through your account settings or by contacting support directly.
Mistake 2: failing to save your cancellation confirmation email
After you cancel, Viewfreescore sends a confirmation email to your registered address. Many users delete this email or mark it as spam. Consequently, if a dispute later arises-for example, if you are charged again after canceling-you have no proof of the cancellation date. Store this email permanently in a folder labeled "Subscriptions" or "Financial" so you can access it instantly if needed.
Mistake 3: canceling on the last day of your trial
Viewfreescore's system processes cancellations and charges in batches, not in real-time. If you cancel on the final day of your trial period, the charge may already have been queued for processing. Cancel at least two to three days before your trial ends to ensure the cancellation is processed before any charge is applied.
Mistake 4: assuming support will remember your cancellation request
If you contact Viewfreescore by phone to cancel, do not rely on the support agent's promise to cancel manually. Always request written confirmation via email. Follow up with a formal cancellation request email within 24 hours, referencing the support agent's name and any reference number provided. This ensures there is a documented record of your cancellation request.
Mistake 5: disputing the charge immediately without requesting a refund first
If you are charged unfairly, contact Viewfreescore and request a refund in writing before you dispute the charge with your bank. Most refund requests are resolved within 10-14 days if handled professionally. Jumping straight to a chargeback can escalate the situation unnecessarily and may damage your relationship with your bank if Viewfreescore disputes the chargeback. Give Viewfreescore a fair opportunity to refund the charge before you escalate to your bank or the DTI.
What happens after you cancel Viewfreescore
Canceling your subscription does not mean all interactions with Viewfreescore end immediately. Understanding the post-cancellation process helps you avoid surprises.
Immediate after cancellation
Once you cancel, Viewfreescore will revoke your account access within 24 hours. You will no longer be able to log in and access your credit reports or monitoring alerts. Any data Viewfreescore holds about you (your credit information, name, email address, etc.) remains stored on their servers as required by data protection laws.
Three to five business days after cancellation
Check your credit card or bank statement to confirm that no charge for Viewfreescore appears. If a charge does appear, contact Viewfreescore immediately with your cancellation confirmation email and request that they reverse it. If they do not respond within 48 hours, proceed with the refund process outlined in the previous section.
Ongoing: monitor for surprise reactivations
Some users report that Viewfreescore has reactivated their accounts weeks or months after cancellation, usually after a failed payment attempt or a system glitch. Check your email occasionally for any messages from Viewfreescore related to billing or account reactivation. If your account is reactivated without your consent, contact support immediately and request that it be canceled again. If this happens repeatedly, file a complaint with the DTI for persistent violation of consumer rights.
Comparing Viewfreescore to free and cheaper alternatives in the philippines
Before paying ₱1,650-₱2,200 per month for Viewfreescore, consider these free or low-cost alternatives available to Filipino consumers.
| Service | Cost | Credit score access | Monitoring alerts | Availability in Philippines |
|---|---|---|---|---|
| Philippine credit bureau reports (free) | Free | Yes | No | Yes |
| Bank credit monitoring (via BDO, BPI, etc.) | Free to low-cost | Yes | Yes | Yes |
| Viewfreescore | ₱1,650-₱2,200/month | Yes | Yes | Overseas support, time zone barrier |
| Borrowell (if available) | Free to ₱500/month | Yes | Yes | Limited availability |
In most cases, Filipino consumers can access their credit information free or at a fraction of Viewfreescore's cost through their banks or local credit bureaus. Evaluate whether the additional monitoring alerts justify ₱1,650 per month before committing to a paid subscription.
Your cancellation checklist for Viewfreescore
Use this checklist to ensure you have completed every step of the cancellation process correctly.
- You have logged into your Viewfreescore account and confirmed your subscription status
- You have navigated to Account Settings or Subscription Management
- You have clicked the Cancel Subscription button and confirmed the cancellation
- You have downloaded or printed your cancellation confirmation email
- You have stored this email in a secure folder for future reference
- You have waited 3-5 business days and checked your bank or credit card statement
- No charge for Viewfreescore appears after your cancellation date
- If a charge did appear, you have sent a formal refund request email to [email protected] with all documentation
- You have waited 14 days for Viewfreescore's response
- If they refused or did not respond, you have filed a chargeback dispute with your bank
- If the dispute failed, you have filed a complaint with the Department of Trade and Industry (DTI)
How yafee helps you cancel subscriptions safely
Canceling a subscription should not require weeks of effort or stress. At Yafee, our mission is to make subscription cancellation simple, transparent, and legally backed. We have helped thousands of Filipino consumers cancel Viewfreescore and similar services, recover unauthorized charges, and understand their rights under Philippine consumer law.
Yafee provides step-by-step cancellation guides, template refund emails you can customize, and direct contact information for companies and government agencies. Our guides reference the specific laws that protect you-Republic Act No. 7394 and DTI regulations-so you can speak confidently to support teams or dispute handlers about your legal rights.
Whether you are canceling your Viewfreescore trial before it converts to a paid subscription, or you need to recover charges after an unwanted renewal, Yafee has a structured process and legal framework to support you. Visit Yafee.com to explore cancellation guides for hundreds of services, access refund templates, and learn how to escalate disputes to the DTI if a company refuses to cooperate.
Contacting Viewfreescore for cancellation or disputes
Use the following contact information to reach Viewfreescore's support team or submit official cancellation and refund requests.
Email contact
Email: [email protected]
Support hours: Monday to Friday, 06:00 to 22:00 Pacific Time (21:00 to 10:00 Philippine Standard Time)
Mailing address for formal correspondence
If Viewfreescore does not respond to email or refuses your refund request, you can send formal correspondence to their physical mailing address. Note that Viewfreescore is a US-based company with no Philippines office. Address your letter to:
Viewfreescore Support
[Overseas mailing address - contact Yafee for the most current address, as this may change]
Include copies of your cancellation confirmation email, refund request email, and any evidence of unauthorized charges. Send this letter by registered mail so you have proof of delivery.
Escalation to department of trade and industry
If Viewfreescore does not respond or refuses your claim, file a formal complaint with the DTI:
Department of Trade and Industry (DTI)
National Capital Region
Visitor Centers: 361 Sen. Gil J. Puyat Ave, Makati City and 386 General Luna St, Intramuros, Manila
Hotline: 1-386-DTI (1-386-384) or 887-TRADE
Website: dti.gov.ph
The DTI will investigate your complaint and contact Viewfreescore on your behalf. If the company fails to comply with a DTI ruling, you can pursue legal action or file a case with the Philippine National Police Anti-Cybercrime Group (ACG) if fraud is suspected.
Canceling Viewfreescore is your right under Philippine law, and Yafee is committed to helping you exercise that right confidently and successfully.
Important warning
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- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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