How to cancel Choice Credit Score without losing your money

What Choice Credit Score is and why cancellation matters

Choice Credit Score is a subscription service operated by Nations Info Corp. that delivers credit monitoring, identity protection alerts, and credit restoration resources to United States consumers. The service provides real-time notifications when activity appears on your credit file, access to your credit score, and identity theft assistance if fraud occurs. You begin with a seven-day trial charged at $1, then transition into a recurring monthly membership that automatically charges your payment method each month unless you take active steps to cancel.

Many consumers enroll for the trial with the intention of cancelling before the first full charge posts, only to discover that terminating your membership requires navigating an unclear process or that charges continue despite attempted cancellations. Understanding your legal rights and the specific steps required to stop billing is essential. Yafee helps thousands of consumers each month cancel subscription services correctly the first time, protecting their accounts and preventing unwanted charges.

When Choice Credit Score provides value

The service suits consumers actively rebuilding credit after missed payments or collections, recovering from identity theft, or seeking professional credit guidance alongside regular score updates. The trial structure permits you to test the platform without significant upfront investment. If continuous monitoring aligns with your financial recovery goals, the features may justify the monthly cost.

When you should cancel

You might cancel because the monthly fee no longer fits your budget, you located a less expensive alternative, you completed your credit recovery objectives, or you discovered the features do not match your expectations. Some users cancel simply because the recurring charge was not what they anticipated when they enrolled. Your reason for cancelling does not matter legally-you retain the right to end your membership at any time without penalty.

Your consumer rights under federal and state law

Federal and state statutes protect your ability to cancel recurring charges and enforce simple cancellation procedures.

The restore online shoppers confidence act (ROSCA)

The Restore Online Shoppers Confidence Act, enforced by the Federal Trade Commission (FTC), mandates that any negative option or recurring billing feature must be disclosed clearly before you enroll and must obtain your affirmative consent. Critically, ROSCA requires that cancellation be "simple and straightforward." You should never need to telephone the company, send multiple emails, or mail a certified letter to stop charges. If you signed up online, you must be able to cancel online using the same or an equally simple method. The company must honor your cancellation request and cease charging you within one billing cycle after receiving your request.

Your legal position: Under ROSCA, Choice Credit Score cannot require you to call a telephone number or navigate a complex menu to cancel. If they do, or if they delay processing your cancellation beyond one billing cycle, they violate federal law and you may file a complaint with the FTC.

California automatic renewal law protections

Because Nations Info Corp., the parent company operating Choice Credit Score, maintains its principal place of business in Thousand Oaks, California, your cancellation is also protected under California Business and Professions Code section 17602 (the California Automatic Renewal Law). California law requires explicit, affirmative consent before charging you for an automatic renewal, clear and conspicuous terms of the offer, and a simple mechanism for cancelling the renewal. Additionally, California law mandates that companies honor cancellation requests immediately or within the timeframe stated in the terms of service. If Choice Credit Score charged you after you cancelled or deliberately complicated the cancellation process, California law provides you with the leverage to dispute those charges through your credit card issuer or the California Attorney General.

Three methods to cancel Choice Credit Score

You have three documented pathways to cancel your Choice Credit Score membership, and using the most effective method increases the likelihood of a clean, permanently documented cancellation.

Method 1: cancel online through your account dashboard

This is your fastest option if Choice Credit Score provides a self-service cancellation portal within your account.

1. Log into your Choice Credit Score account using your email and password.
   • Navigate to your web browser and visit the Choice Credit Score login page.
   • Enter your credentials and select "Sign In."
2. Locate your account settings or subscription management section.
   • Look for tabs labeled "Settings," "Account," "Subscription," "Billing," or "Membership."
   • If you cannot find these tabs in the main navigation, check the drop-down menu under your profile name or icon in the top right corner.
3. Select the option to cancel, downgrade, or pause your membership.
   • Click the button or link that reads "Cancel Subscription," "End Membership," or similar language.
   • Review any retention offers-the company may present discount codes or temporary pauses, but you are not obligated to accept these.
4. Confirm your cancellation by clicking the final "Confirm" or "Yes, cancel" button.
   • The system will display a confirmation message with a reference number.
   • Screenshot or save this confirmation immediately-this is your proof of cancellation.
5. Check your email within 24 hours for a cancellation confirmation from Choice Credit Score.
   • This email should confirm the cancellation date and the last date you will be charged.
   • If you do not receive confirmation within 24 hours, proceed to Method 2.

Method 2: cancel via the official contact form or email

If the online dashboard does not offer cancellation, submit your cancellation request through the company's official contact channels.

1. Visit the Choice Credit Score website and navigate to the "Contact Us" page.
   • Go to choicecreditscore.com/contact-us or use the contact link in the website footer.
2. Complete the official contact form with the following information:
   • Your full name and email address associated with your account.
   • Your account number (visible in your account dashboard or billing emails).
   • A clear statement: "I request immediate cancellation of my Choice Credit Score subscription. Please confirm the cancellation date and confirm that no further charges will be applied."
   • Today's date.
3. Alternatively, send an email directly to [email protected] with the same information.
   • Use the subject line: "Subscription Cancellation Request - [Your Name]"
   • Include all account details and your explicit cancellation request in the body.
4. Send the form or email and retain a copy for your records.
   • If using the contact form, take a screenshot showing your submission.
   • If sending email, note the date and time sent.
5. Allow 5 to 7 business days for a confirmation email from Choice Credit Score.
   • The confirmation should state the cancellation date and your final billing date.
   • If you do not receive confirmation within 7 business days, proceed to Method 3.

Method 3: cancel by mail to the registered business address

If online and email methods do not produce a response within 7 business days, mail a written cancellation request to Nations Info Corp.'s registered address. This creates a documented paper trail and triggers legal obligations under ROSCA and California law.

1. Prepare a formal cancellation letter on plain paper or your letterhead.
   • Include your full name, email address, phone number, and the email address associated with your Choice Credit Score account.
   • Include your account number (from your account or billing statement).
   • Write: "I hereby request immediate cancellation of my Choice Credit Score subscription effective immediately. Please cease all recurring charges and provide written confirmation of this cancellation within 5 business days."
   • Sign and date the letter.
2. Mail your letter to the Nations Info Corp. registered address via certified mail with return receipt requested.
   • Address: Nations Info Corp., 310 North Westlake Boulevard, Suite 200, Thousand Oaks, California 91362.
   • Certified mail provides proof that the company received your cancellation request and establishes a legal record if you later dispute a charge.
3. Request the return receipt so you have proof of delivery.
   • The return receipt shows the date the company signed for your letter.
   • Keep this receipt and a copy of your cancellation letter in your records.
4. Wait 7 to 10 business days for a written confirmation from Choice Credit Score.
   • Confirmation should arrive at the address you provided in your letter.
   • The confirmation must state the cancellation effective date and confirm no further charges will post.
5. If you do not receive written confirmation within 10 business days, contact your credit card issuer to dispute any charges that post after your cancellation request date.
   • Provide your credit card issuer with copies of your cancellation letter and the certified mail return receipt as evidence that you submitted a valid cancellation request.

What happens after you cancel Choice Credit Score

Your cancellation does not take effect immediately; understanding the timeline prevents confusion and ensures you monitor your account correctly.

Immediate steps after submitting your cancellation

Once you submit your cancellation request, your account enters a wind-down phase. You typically retain access to your Choice Credit Score account and features until the end of your current billing cycle. For example, if you cancel on the 15th of the month and you were billed on the 1st, you remain active until the end of that month. The company cannot charge you again after your current billing cycle ends.

Monitoring your credit card statement

After your cancellation takes effect, monitor your credit card or bank statement for the next two billing cycles. Watch for any charges from Choice Credit Score, Nations Info Corp., or similar company names. If a charge appears after your cancellation date, contact your credit card issuer immediately and initiate a dispute. Provide your cancellation confirmation and any documentation of your cancellation request as evidence.

Verify your account status

Log into your Choice Credit Score account 3 to 5 days after your cancellation takes effect. Confirm that the account displays a "Cancelled" or "Inactive" status. If your account still shows an active subscription, contact Choice Credit Score again via email or certified mail with a copy of your original cancellation request and your reference number.

Pricing and what you might owe

Understanding Choice Credit Score's billing structure clarifies what charges you may encounter and when you can cancel without penalty.

You owe only charges that have already posted to your card. If you cancel before day 8 of your trial, you owe only the $1 trial charge. If you cancel after your first monthly charge posts, you owe that first month but nothing beyond. The company cannot legally charge you for months after your cancellation request is submitted and processed.

Refunds and disputing charges

Your refund eligibility depends on when you submit your cancellation request and your payment method's refund policies.

Trial period refunds

If you cancel your Choice Credit Score account during the seven-day trial period before the first full monthly charge posts, you are entitled to a refund of the $1 trial charge. Contact Choice Credit Score or your credit card issuer to request this refund. Most credit card issuers process trial refunds within 5 to 7 business days.

Monthly subscription refunds

Once your first monthly charge posts, federal consumer law does not guarantee a refund for the current month, even if you cancel immediately. However, the company must cease all charges beginning the next billing cycle. If the company continues charging you after your cancellation request, those subsequent charges are unauthorized and you can dispute them with your credit card issuer.

Disputing unauthorized charges

If Choice Credit Score charges your card after you cancelled, contact your credit card issuer and file a dispute or chargeback. Provide the following documentation:

• Your cancellation confirmation email or reference number.
• A screenshot of your cancellation confirmation from the website (if you cancelled online).
• A copy of your cancellation request letter and the certified mail return receipt (if you cancelled by mail).
• Copies of the unauthorized charges appearing on your bank or credit card statement.
• The date you submitted your cancellation request.

Your credit card issuer will investigate the dispute and, if your documentation is clear, reverse the unauthorized charge within 30 to 60 days. Yafee recommends always retaining cancellation confirmations for at least one year to protect yourself against erroneous re-billing.

Common cancellation mistakes to avoid

Cancellation is straightforward when you follow the correct procedure, and avoiding these errors ensures your account terminates cleanly without further charges.

Mistake 1: assuming deletion equals cancellation

Deleting the Choice Credit Score mobile app from your phone or removing emails from your inbox does not cancel your subscription. The company continues charging your card because the cancellation request was never submitted. Always submit a formal cancellation request through one of the three methods above.

Mistake 2: waiting for the company to respond before taking action

Do not assume silence means your request was processed. If you do not receive a confirmation email within 7 business days of submitting your cancellation request, escalate immediately by sending a second request via a different method. This creates multiple documented cancellation requests and strengthens your position if you later need to dispute charges.

Mistake 3: providing insufficient account information

If your cancellation request lacks your account number, email address, or full name, the company may claim they cannot locate your account and decline to process the cancellation. Always include complete identifying information in every cancellation request.

Mistake 4: not monitoring your statement after cancellation

Some consumers cancel but fail to check their statement for the next two billing cycles. If a charge appears after your cancellation date, you have limited time to dispute it. Review your statement every month and dispute any unexpected charges immediately.

Mistake 5: cancelling by phone without written confirmation

If you speak with a representative who verbally confirms your cancellation, request that they email a written confirmation within 24 hours. Verbal confirmations alone do not create a legal record if the company later disputes that you cancelled.

Pricing comparison and alternatives

If you are cancelling because of cost or limited features, comparing Choice Credit Score to alternatives may clarify whether the service justified its price.

Federal law entitles you to one free credit report annually from each of the three credit bureaus (Equifax, Experian, and TransUnion) through annualcreditreport.com. If you cancelled Choice Credit Score purely for cost reasons, the free alternatives above may meet your basic credit monitoring needs without monthly charges.

Your legal protections when cancelling

Multiple federal and state laws protect your right to cancel Choice Credit Score without penalty or resistance.

Federal trade commission enforcement

The Federal Trade Commission (FTC) enforces ROSCA and investigates complaints from consumers. If Choice Credit Score refuses to honor your cancellation request, processes your cancellation request slowly, or continues charging you after cancellation, you may file a complaint with the FTC at reportfraud.ftc.gov. The FTC accepts complaints about negative option billing violations and has taken enforcement action against companies that violate ROSCA, including imposing civil penalties and requiring refunds to affected consumers.

Credit card issuer protections

Your credit card or debit card issuer provides additional protection under the Fair Credit Billing Act (FCBA). If the company charges you after you cancel, you can dispute the charge as unauthorized through your card issuer. Your issuer must investigate the dispute within 30 to 60 days and reverse the charge if your documentation proves you cancelled.

State attorney general enforcement

Because Nations Info Corp. operates in California, the California Attorney General enforces California's automatic renewal law. If you believe Choice Credit Score violated California law by failing to honor your cancellation request or charging you after cancellation, you may file a complaint with the California Attorney General's office at ag.ca.gov. State attorneys general have authority to investigate violations and negotiate refunds for consumers.

Summary and your next steps

Cancelling Choice Credit Score is legally straightforward when you follow the documented procedures outlined above. You have the right under federal and California law to cancel at any time without penalty, and the company must honor your cancellation request within one billing cycle. Yafee has helped thousands of consumers cancel subscription services correctly by following these exact steps, and you can apply the same approach to ensure your Choice Credit Score account terminates permanently and no unauthorized charges post to your account.

Your immediate action is to choose the cancellation method that suits your situation-online through your dashboard (fastest), via email (documented), or by certified mail (strongest legal record). Submit your cancellation request today, retain all confirmations, and monitor your statement for the next two billing cycles. If unexpected charges appear, dispute them immediately with your credit card issuer and provide the documentation you retained from your cancellation request. Yafee recommends keeping all cancellation confirmations for one full year as protection against re-billing or company disputes. If the company refuses to honour your cancellation request within 10 business days, escalate to the Federal Trade Commission or your state attorney general. You have the law on your side, and Yafee's framework ensures you exercise your rights clearly and comprehensively.

Contact information for nations info corp.

Use this address for certified mail cancellation requests under Method 3.

Nations Info Corp.
310 North Westlake Boulevard, Suite 200
Thousand Oaks, California 91362
United States

For email cancellations, send your request to [email protected] with a carbon copy to the email address associated with your account. Yafee provides this guidance to ensure your cancellation is processed completely and your account is terminated within the timeframe required by law.