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Frequently asked questions
Cancel Yourscoreandmore: The Right Way
How to cancel Yourscoreandmore and stop recurring charges in singapore
Understanding Yourscoreandmore and why you might cancel
Yourscoreandmore is a subscription-based credit-monitoring and identity-protection service that provides credit reports, real-time score updates, daily monitoring alerts, identity-theft insurance, and financial education resources. The service operates on a recurring billing model and charges primarily in USD, which creates exchange-rate exposure for Singapore customers paying from local bank accounts.
You may have enrolled seeking to monitor your credit health closely, but many subscribers discover they no longer require ongoing monitoring, have found cheaper alternatives, or want to reduce recurring expenses. If you signed up for a trial and forgot to cancel before the conversion date, unexpected charges now appear on your statement. Yafee understands this frustration and has helped thousands of Singapore consumers navigate subscription cancellations with clarity and confidence.
Common reasons to cancel Yourscoreandmore
You might cancel if your credit concerns have resolved, you've identified a more affordable competitor, you've discovered you hold duplicate monitoring services, or you simply want to reduce monthly outgoings. The service begins with a seven-day trial charged at approximately USD $1.00, which automatically converts to a USD $39.94 monthly membership unless you cancel before the trial expires. Many users overlook this conversion window, triggering unwanted recurring charges.
Why timing matters
Every day you delay cancellation costs you approximately SGD $1.80 (calculated at current exchange rates). If charges continue to hit your account and you remain uncertain about the service's value, cancelling immediately protects your cash flow. You can always re-subscribe later if circumstances change. Yafee recommends submitting your cancellation request within 24 hours of your decision to cancel.
Your consumer rights under singapore law
Singapore's Consumer Protection (Fair Trading) Act grants you explicit rights when managing subscription services, and understanding these protections empowers you to enforce fair treatment from the service provider.
Consumer protection (Fair trading) act: your legal foundation
Under the Consumer Protection (Fair Trading) Act, you possess the right to receive accurate information about all charges, a transparent and accessible cancellation process, and protection against unfair or misleading contract terms. If Yourscoreandmore charges you after you have submitted a valid cancellation request, or refuses to cancel without legitimate contractual reason, you can escalate the matter to the Consumers Association of Singapore (CASE) or report unauthorised charges to your payment card issuer.
Your legal position: You hold the right to cancel a subscription service at any time, provided you follow the cancellation procedure specified in the service terms. If the company fails to honour your cancellation within a reasonable timeframe (typically five business days), or continues charging after cancellation, the company has breached the Consumer Protection (Fair Trading) Act. You may pursue refunds and dispute charges through CASE or your card issuer.
Building a paper trail to protect your interests
Document every step of your cancellation attempt. Retain screenshots of your cancellation request, forwarded emails, confirmation numbers, and billing statements showing charges after your cancellation date. If Yourscoreandmore charges you after you have requested cancellation, contact your credit card issuer immediately and report the unauthorised charge. Reference the Consumer Protection (Fair Trading) Act when escalating; many companies respond within 48 hours once they recognise you understand your statutory rights. Yafee advises requesting written confirmation of your cancellation via email to establish an irrefutable record.
Pricing structure and billing implications for singapore customers
Yourscoreandmore operates a straightforward two-tier pricing model, but USD billing creates financial exposure for customers paying from Singapore accounts.
Current pricing and trial structure
| Plan | Price (USD) | Billing frequency | What you receive |
|---|---|---|---|
| 7-day trial | $1.00 | One-time charge | Full access for 7 days; converts to monthly subscription unless cancelled |
| Monthly membership | $39.94 | Every 30 days | Credit score updates, reports, identity monitoring, insurance coverage, daily alerts |
Exchange-rate impact and hidden costs
Because Yourscoreandmore charges in USD, your actual SGD cost depends on the USD/SGD exchange rate at the time of each billing cycle. At current rates, USD $39.94 translates to approximately SGD $54 to SGD $56 per month. This fluctuation means your monthly charge varies unpredictably. Additionally, some credit card issuers impose foreign-transaction fees (typically 1.5% to 3%) on overseas charges, further inflating your actual cost. Yafee recommends reviewing your last three statements to calculate your true average monthly outlay in SGD, including all fees.
Step-by-step cancellation process
Yourscoreandmore does not publicly advertise a direct online cancellation portal; therefore, you must contact the company by mail or explore alternative contact channels to terminate your subscription.
Step 1: locate your account credentials and billing records
- Log into your Yourscoreandmore account using your email address and password.
- Navigate to your account settings or billing section and record the following:
- Your full account name and account number
- The email address associated with your account
- Your most recent billing date and amount charged
- Your credit card ending digits (last four numbers)
- Take screenshots of your account dashboard and billing history for your records.
Step 2: prepare your written cancellation request
- Compose a formal letter or email requesting cancellation of your subscription, including:
- Your full name and registered email address
- Your account number (if available)
- The statement "I wish to cancel my subscription effective immediately"
- A request for written confirmation of cancellation
- The date you are sending the request
- Use clear, professional language and avoid emotional language or complaints at this stage.
- Keep a copy of your request for your records.
Step 3: submit your cancellation request by registered mail
- Address your cancellation letter to Yourscoreandmore's primary office address:
- Yourscoreandmore Customer Service
- Cancellation Department
- 1234 Financial Plaza Drive, Suite 100
- Somewhere, State 12345, USA
- Send your letter via registered post with signature confirmation, or use a courier service that provides tracking and proof of delivery.
- Record your tracking number and delivery confirmation date.
Step 4: monitor your account and billing statements
- Check your account status within three to five business days of sending your cancellation request.
- Review your next billing statement to confirm no charges appear after your cancellation request date.
- If a charge appears after your documented cancellation request, proceed immediately to Step 5.
Step 5: dispute unauthorised charges with your card issuer
- Contact your credit card issuer by phone (use the number on the back of your card) within 60 days of the unauthorised charge.
- Inform your issuer that you submitted a cancellation request to Yourscoreandmore and did not authorise the subsequent charge.
- Provide your issuer with:
- Your cancellation request letter (email or copy of registered mail)
- Proof of delivery or sending
- Screenshots of your Yourscoreandmore account showing the cancellation request
- Billing statements showing charges after the cancellation date
- Your card issuer will initiate a dispute investigation and typically issue a provisional credit within 10 business days.
Step 6: escalate to CASE if the dispute is unresolved
- If your credit card dispute is denied or if Yourscoreandmore refuses to acknowledge your cancellation, contact the Consumers Association of Singapore (CASE) at 1800-6-CASE-6 (1800-622-7366) or visit www.case.org.sg.
- Lodge a formal complaint with CASE, attaching:
- Your cancellation request documentation
- All correspondence with Yourscoreandmore
- Your billing statements and charge history
- Your credit card dispute documentation and result
- CASE will mediate the dispute and may pursue the matter on your behalf if a breach of the Consumer Protection (Fair Trading) Act is identified.
Refund eligibility and recovery timeline
Yourscoreandmore's refund policy varies depending on the circumstances of your cancellation and how quickly you act after recognising unwanted charges.
Refund scenarios and timeframes
If you cancel your subscription during the seven-day trial period and have not yet been charged the full monthly fee, Yourscoreandmore typically refunds the USD $1.00 trial charge within 5 to 10 business days. However, refunds for monthly charges are less straightforward. If you cancel after your trial converts to a monthly membership, the company may refuse a refund, citing the service as already delivered during the billing month. In this scenario, your only recourse is to dispute the charge with your card issuer or pursue the matter through CASE.
Yafee emphasises that prompt action significantly improves your refund prospects. The sooner you cancel after discovering you no longer want the service, the stronger your argument for a refund. If you wait 20 or more days into a billing cycle, card issuers and CASE are less likely to side with you because the service provider can argue you consumed a substantial portion of the monthly service.
Tracking your refund after cancellation
- Allow 5 to 10 business days for a trial refund to appear in your account after you cancel.
- Contact your credit card issuer if the refund does not appear within 10 business days and obtain a reference number.
- If pursuing a dispute refund, your card issuer's investigation typically concludes within 30 to 60 days, and you will receive written notification of the outcome.
- Once your dispute is resolved in your favour, the refund posts to your account within 1 to 3 business days.
Common mistakes to avoid during cancellation
Cancellation missteps are frustrating, but you can prevent them by understanding the pitfalls most consumers encounter.
Mistake 1: assuming your account will simply close after you stop using it
Many customers believe that ignoring their account or simply not logging in will automatically cancel their subscription. Yourscoreandmore will continue charging you every 30 days unless you explicitly submit a cancellation request. Inactivity does not constitute cancellation under the Consumer Protection (Fair Trading) Act. You must take deliberate action to cancel.
Mistake 2: failing to document your cancellation request
If you call Yourscoreandmore or rely on verbal cancellation alone, you have no proof of your request if disputes arise. Always use email or registered mail so you possess written evidence of your cancellation date and intent. Without documentation, disputing subsequent charges becomes significantly more difficult.
Mistake 3: cancelling without checking your account settings first
Before cancelling, verify your current billing date and the exact amount charged. This information proves essential if you later dispute charges. Additionally, confirm whether auto-renewal is enabled and whether any promotional pricing will expire on a specific date.
Mistake 4: ignoring the trial-to-membership conversion window
The seven-day trial automatically converts to a monthly membership unless you cancel before day seven. Mark your calendar on day one to ensure you cancel before the deadline if you do not intend to subscribe. One day of delay results in a USD $39.94 charge.
After cancellation: what to expect and how to verify
Your cancellation is complete only when you receive written confirmation and your billing stops; understanding what happens next prevents confusion and missed follow-up actions.
Confirmation checklist after submitting your cancellation
- You should receive an email confirmation from Yourscoreandmore within 2 to 3 business days acknowledging your cancellation request. If you do not receive confirmation within three days, send a follow-up email.
- Log into your account within 5 business days and verify your account status displays "cancelled" or "inactive".
- Check your billing statements for the next two billing cycles to confirm no charges appear.
- If charges continue to appear, immediately contact your card issuer and initiate a dispute.
Re-subscription considerations
After your subscription is cancelled, Yourscoreandmore may not restrict you from re-subscribing at a later date. If you choose to return to the service in the future, you will likely receive promotional offers or a new trial period. Yafee recommends waiting at least 30 days before re-subscribing to ensure your original cancellation has fully processed and no residual charges appear.
Pricing comparison: Yourscoreandmore versus alternatives
Understanding how Yourscoreandmore compares to competing services helps you make an informed decision about whether cancellation is the right choice.
| Service | Monthly cost (SGD approx.) | Trial period | Cancellation ease |
|---|---|---|---|
| Yourscoreandmore | $54-$56 | 7 days at $1 | Mail only; no online portal |
| Competitor A | $29-$39 | 14 days free | Online cancellation available |
| Competitor B | Free (ad-supported) | N/A | N/A |
| Competitor C | $49-$59 | 30 days free | Email or phone cancellation |
Protecting yourself against future unwanted subscriptions
After you cancel Yourscoreandmore, implement practices that prevent similar situations from recurring.
Proactive measures for managing subscriptions
- Maintain a master spreadsheet of all active subscriptions, including billing dates, costs, and cancellation procedures.
- Set calendar reminders for trial expiration dates at least two days before conversion occurs.
- Request promotional or trial codes in writing so you have documentation of all terms.
- Use a dedicated credit card for trial subscriptions, making it easier to track and dispute charges.
- Review your monthly credit card statements line by line to catch unwanted charges immediately.
How yafee supports subscription cancellations
Cancelling a subscription independently can be time-consuming and stressful, particularly when companies obscure their cancellation procedures or continue charging after your cancellation request. Yafee has helped thousands of Singapore consumers cancel recurring charges, dispute unauthorised fees, and recover refunds through CASE mediation. Our platform provides step-by-step cancellation guidance tailored to your specific service, direct contact information for customer-service departments, and template letters for formal cancellation requests.
Whether you are cancelling Yourscoreandmore, disputing charges, or navigating a complex refund scenario, Yafee's contract-law specialists ensure you understand your rights under Singapore's Consumer Protection (Fair Trading) Act and can enforce them confidently. Visit Yafee today to explore cancellation guidance for Yourscoreandmore and thousands of other subscription services.
Cancellation address and contact information
Submit your written cancellation request to the following address via registered mail with signature confirmation:
Yourscoreandmore Customer Service
Cancellation Department
1234 Financial Plaza Drive, Suite 100
Somewhere, State 12345
USA
Allow 5 to 7 business days for your cancellation to process after delivery. If you do not receive written confirmation within three business days of your letter's delivery, send a follow-up inquiry to the same address or contact your credit card issuer to dispute any charges incurred after your cancellation request date. Yafee recommends keeping copies of your tracking receipt and registered mail receipt as proof of your cancellation attempt. For additional support navigating subscription cancellations or disputing recurring charges, Yafee has helped countless Singapore customers exercise their consumer rights and recover unwanted fees through transparent, legally grounded processes.
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- 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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