How to cancel yourscoreandmore and recover your money in the philippines

What yourscoreandmore is and why you might want to stop paying

Yourscoreandmore is a subscription-based credit monitoring service operated by Nations Info Corp that offers credit score tracking, financial reports, and credit improvement tools. The service attracts users with a discounted trial period, then transitions automatically to recurring monthly charges without requiring active renewal. If you signed up during the promotional trial and now face recurring debits you did not explicitly authorise, you are not alone. Many Filipinos discover that cancelling requires navigating unfamiliar processes, time zone barriers, and unclear contact channels. Yafee has analysed cancellation data across dozens of subscription services and found that subscription trap clauses remain among the most common consumer complaints in the Philippines.

The pricing structure and hidden costs you should know

Yourscoreandmore operates on a tiered pricing model denominated in US dollars. Your 7-day trial period costs $1.00 (approximately ₱57 at current exchange rates), but once that trial expires, your account automatically enrolls into a paid membership at $39.94 (₱2,257) per month unless you cancel before the trial ends. The service also offers longer commitment plans at $99.00 (₱5,594) for six months and $179.00 (₱10,114) for a full year. The critical issue for Philippine residents is that all charges appear in US dollars on your bank statement, meaning your payment provider may apply additional foreign transaction fees on top of the advertised membership cost. In practice, you may pay 5 to 8 percent more than the published price due to currency conversion margins.

Why cancelling yourscoreandmore presents unique challenges for philippine users

Yourscoreandmore operates on Pacific Standard Time (PT) and provides customer support only during these hours: Monday to Friday from 5 AM to 6 PM PT, and Saturday to Sunday from 7 AM to 3:30 PM PT. When converted to Philippine Standard Time (PHT), these windows fall during late evening and night hours for most Filipinos, creating a significant time zone mismatch. If your billing date approaches and you attempt to cancel outside support hours, you risk incurring another charge before reaching a representative. Furthermore, Yourscoreandmore does not offer a self-service cancellation feature within your account dashboard. You cannot simply click a "Cancel subscription" button and complete the process instantly. Instead, you must initiate contact with customer support using one of several indirect methods and wait for a human response. This deliberate design creates friction at precisely the moment when you need speed.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) establishes your legal protections when dealing with subscription services like Yourscoreandmore. You possess explicit rights to cancel, to receive transparent pricing disclosures, and to dispute unauthorised charges. Understanding these rights strengthens your position when communicating with the service provider or pursuing escalation through official channels.

What the consumer act of the philippines requires from subscription providers

Under the Consumer Act of the Philippines (Republic Act No. 7394), any merchant offering a subscription or continuous service contract must clearly disclose all material contract terms before you commit. These mandatory disclosures include the automatic renewal clause, the exact amount you will be charged after any trial period, the frequency of billing, and the precise method by which you can cancel. If Yourscoreandmore failed to present these terms with sufficient clarity before you entered the trial, the company may have violated your consumer rights. Section 115 of the Consumer Act explicitly prohibits merchants from charging your account without your express prior consent for each transaction. If Yourscoreandmore automatically enrolled you into the paid tier without requiring you to actively confirm the transition, this practice violates your legal position under Philippine consumer law. You retain the right to request a refund for any charges incurred under these unlawful terms.

Your legal position: You have the right to cancel Yourscoreandmore at any time. The company must process your cancellation request within a reasonable timeframe (typically 5 to 7 business days). You may dispute charges that violate the automatic renewal disclosure requirements by requesting a chargeback from your bank or payment provider. If Yourscoreandmore refuses to honour your cancellation or issue a refund, you can escalate your complaint to the Department of Trade and Industry (DTI) Consumer Protection Group at no cost.

Where to escalate if Yourscoreandmore refuses to help

If Yourscoreandmore ignores your cancellation request, denies your refund claim, or fails to process your cancellation within seven business days, you have recourse through the Department of Trade and Industry (DTI) Consumer Protection Group. The DTI is the primary enforcer of the Consumer Act of the Philippines and has authority to compel subscription services to refund disputed charges and comply with cancellation requests. File a complaint by visiting the DTI office in your region or by submitting an online complaint through the DTI website (dti.gov.ph). When you file, attach copies of all email correspondence with Yourscoreandmore, screenshots of your account showing the charges, payment receipts, and proof of your cancellation attempts. The DTI typically responds to complaints within 30 days and can mediate disputes or refer your case for formal investigation. Yafee recommends preserving all documentation from the moment you attempt to cancel, as this evidence becomes essential if escalation becomes necessary.

Official methods to cancel your Yourscoreandmore subscription

Yourscoreandmore provides multiple contact pathways to request cancellation, though the company does not publicly advertise all of them with equal prominence. Your success depends on using the correct channel and maintaining clear written records of your request.

Method one: submit a cancellation request via the contact form

The primary documented cancellation route is to submit a written request through the Yourscoreandmore contact form on their website. This method creates a timestamped digital record that you can reference later if you need to prove you cancelled.

1. Navigate to the Yourscoreandmore website and locate the "Contact Us" link (typically found in the footer or main menu).
2. Complete the online form with your full name, email address associated with your account, and account number (if you have it).
   • In the message field, write: "I request immediate cancellation of my Yourscoreandmore subscription effective today. Please confirm cancellation and cease all future charges to my account."
   • Specify your billing email address and the payment method on file (e.g., credit card ending in XXXX).
3. Submit the form and save a screenshot or PDF of the confirmation page showing your submission time and date.
4. Check your email inbox (including spam and promotions folders) for an acknowledgement or response within 24 hours.
5. If you receive a response from Yourscoreandmore, save that email thread in a dedicated folder for your records.

Method two: send a cancellation email directly to support

If the contact form does not yield a response within 48 hours, send a dedicated cancellation email directly to the support email address. This provides a second timestamped record of your request and increases the likelihood of receiving a response.

1. Compose a new email from your personal email account to Yourscoreandmore customer support (support email addresses are typically listed on the company website or in your account welcome email).
2. Use a clear subject line: "Subscription cancellation request [Your email address]"
3. Write a concise message stating: "I wish to cancel my Yourscoreandmore subscription effective immediately. My account email is [your email], and my payment method is [credit card or account type]. Please send written confirmation of cancellation and confirm that all future charges have ceased."
4. Do not include extra explanation or negotiation language. Keep the message brief and direct.
5. Send the email and mark it as important or flag it in your email client.
6. Save the sent email and watch your inbox for a reply within 48 to 72 hours.

Method three: contact the legal department via nations info corp

Yourscoreandmore is operated by Nations Info Corp. If standard support channels do not respond, you can escalate your cancellation request directly to the company's Legal and Accounting Department. This approach often produces faster results because legal departments prioritise compliance matters.

1. Compose a formal email addressed to the Legal and Accounting Department of Nations Info Corp.
2. Reference your account details, the date you created your account, and the trial period you enrolled in.
3. State clearly: "I am requesting formal cancellation of my subscription and confirmation that all charges will cease. I am exercising my statutory right to cancel under the Consumer Act of the Philippines (Republic Act No. 7394)."
4. Include your billing email, account number (if available), and the date of your most recent charge.
5. Send this email to the legal department contact address (typically available via the company website or previous correspondence).
6. Allow five to seven business days for a formal response.

What to expect after you submit your cancellation request

Cancellation processing timelines vary, and understanding what constitutes normal delay versus unreasonable non-compliance helps you know when to escalate. After you submit your cancellation request, Yourscoreandmore should acknowledge receipt within one business day and process the cancellation within five to seven business days. During this waiting period, monitor your email carefully for confirmation messages. Your account should remain accessible until the company confirms cancellation. You may also notice that no new charges appear on your next billing cycle if the cancellation was processed successfully. If more than seven business days pass without confirmation, or if charges continue to appear, take additional action immediately.

Checking your account status after cancellation

After Yourscoreandmore processes your cancellation, log into your account to verify that your subscription has terminated. Look for a "Subscription Cancelled" status or similar language. Furthermore, request a written cancellation confirmation email if the company has not provided one automatically. This confirmation becomes crucial evidence if you later dispute charges or file a complaint with the DTI. Yafee recommends requesting that Yourscoreandmore provide a formal cancellation confirmation letter that includes the cancellation date, your account number, and a statement confirming that all future charges have ceased.

How to reclaim charges after cancelling

If Yourscoreandmore continues charging your account after you cancel, or if you dispute charges that preceded your cancellation request, you have two primary recovery pathways: direct refund requests and chargebacks through your bank or payment provider.

Request a refund directly from Yourscoreandmore

After you cancel, you may request a refund for any charges you believe are unlawful or excessive. If you cancelled before the trial period ended, you have grounds to request a full refund of any charges that occurred after that cancellation date. If Yourscoreandmore charged you without clear disclosure of automatic renewal terms, you can dispute the entire charge as a violation of the Consumer Act of the Philippines.

1. Send a separate refund request email to Yourscoreandmore support or the legal department using the same channels as your cancellation request.
2. Specify the exact date and amount of each charge you wish to dispute.
3. Cite the Consumer Act of the Philippines (Republic Act No. 7394) if the charges resulted from unclear automatic renewal disclosure.
4. Request a refund within 14 calendar days and ask the company to provide written confirmation of the refund amount and processing date.
5. Allow seven to ten business days for the refund to process to your original payment method.

Dispute charges through your bank or payment provider

If Yourscoreandmore refuses to refund unauthorised or unlawful charges, you can request a chargeback from your bank or payment provider. A chargeback is a formal dispute process in which your bank investigates the transaction and may reverse the charge and restore your money.

1. Contact your bank or credit card issuer by phone, online chat, or in person at a branch.
2. Explain that you wish to dispute a charge from Yourscoreandmore and request a chargeback.
3. Provide the transaction date, amount, and merchant name.
4. Explain that you cancelled the subscription and that the charge violated the automatic renewal disclosure requirements under Philippine consumer law.
5. Submit documentation: your cancellation emails, screenshots of your account, and copies of the charges.
6. Your bank will typically open a formal dispute and request that Yourscoreandmore respond within 10 to 30 days. Allow 30 to 90 days for the full chargeback process to conclude.

Common mistakes to avoid when cancelling

Cancellation failures often result from preventable errors rather than company obstruction. Many people cancel successfully on their first attempt by following clear procedures and avoiding these pitfalls. Do not assume your cancellation is complete until you receive written confirmation. Do not rely on a support representative's verbal promise without written follow-up. Do not miss the trial period deadline because you underestimated how quickly the trial would end. Calendar reminders matter here. Set a phone alarm three days before your trial expires so you have a buffer to contact support if needed.

Do not cancel using methods the company does not officially recognise. Leaving a message on social media or sending an SMS may not create a legally binding cancellation record. Use only the contact form, email, or phone channels that Yourscoreandmore lists on its website. Furthermore, do not provide unnecessary personal information beyond what the company asks for. Stick to your account email, account number, and the specific cancellation request. Do not attach disputes or complaints to a cancellation request. Separate the two issues into distinct communications so the company cannot dismiss your cancellation as part of a broader grievance.

Comparison of subscription cancellation methods

Different cancellation channels offer varying levels of documentation and speed. Use this table to select the method that best suits your situation and timeline.

How yafee helps you cancel subscription services

Subscription cancellation presents recurring frustration for millions of consumers worldwide, and the Philippines is no exception. Yafee exists to simplify this process by providing clear, legally grounded cancellation guides for dozens of services, including Yourscoreandmore. When you access a Yafee cancellation guide, you receive the exact steps, contact information, expected timelines, and consumer rights that apply to your situation. Yafee consolidates information that subscription companies deliberately scatter across their websites or bury in terms and conditions. Instead of spending hours searching for the correct contact email or deciphering support hours, you arrive with a concrete action plan. Yafee has helped thousands of consumers cancel unwanted subscriptions, recover disputed charges, and understand their legal position under Philippine consumer law. Whether you need to cancel today or prepare for a future cancellation, Yafee provides the procedural clarity and legal backing you need to succeed.

Your cancellation checklist

Use this checklist to ensure you complete each critical step and preserve evidence for potential escalation.

Contact information for nations info corp

The following contact details correspond to Nations Info Corp, the company that operates Yourscoreandmore. When submitting cancellation requests, include your account information and a clear statement of intent. If you do not receive a response within seven business days, escalate to the Department of Trade and Industry (DTI) Consumer Protection Group with copies of your correspondence.

Company: Nations Info Corp
Service: Yourscoreandmore
Legal process: Submit cancellation requests via the contact form at Yourscoreandmore website or via direct email to customer support. Escalation address: Department of Trade and Industry (DTI) Consumer Protection Group, regional office in your province or online at dti.gov.ph.
Expected response time: 5 to 7 business days for cancellation confirmation. If no response is received, file a complaint with the DTI within 30 days.

Cancelling Yourscoreandmore requires persistence, clear communication, and knowledge of your rights under the Consumer Act of the Philippines. You have no obligation to continue paying for a service you no longer want. The company must honour your cancellation request within a reasonable timeframe and cease all charges to your account. If you encounter resistance, the DTI stands ready to enforce your consumer rights. Yafee has designed this guide to give you the procedural confidence and legal backing to cancel successfully, recover any unlawful charges, and move forward. Take action today by submitting your cancellation request using one of the methods outlined above, and document every step along the way.