How to cancel YourScoreAndMore and stop recurring charges

What is YourScoreAndMore and why you should know how to cancel

YourScoreAndMore is a credit monitoring subscription service headquartered in Thousand Oaks, California that lures new customers with an aggressive $1 trial offer before converting to recurring monthly billing. The service bundles credit score access, credit report monitoring, and identity protection features into a subscription designed to charge you automatically each month unless you take action to stop it. You pay $39.94 monthly after your trial period ends, and the company places the entire responsibility for cancellation on you. If you fail to cancel before the trial expires, your payment method is charged without warning, and continued charges persist until you formally request to leave.

The subscription model and what you actually pay

YourScoreAndMore attracts customers by advertising a rock-bottom $1 trial. This introductory price creates an illusion of affordability that disappears immediately after your trial window closes. Once your trial expires, the company charges your credit card or bank account $39.94 every single month. The conversion from trial to paid membership is automatic and mandatory unless you cancel in advance. Many customers assume the trial simply lapses; instead, your account transitions to a paid membership, and billing charges appear on your next statement.

Why customers choose to cancel YourScoreAndMore

You may decide to cancel YourScoreAndMore for several legitimate reasons. Some customers discover that free credit monitoring alternatives (such as those offered by AnnualCreditReport.com or your bank) provide identical information at no cost. Others find that the service fails to deliver promised features, detects no security threats, or simply does not fit their financial goals. Many customers sign up for the $1 trial intending to cancel before charges begin, but then struggle to locate the cancellation mechanism. Still others realize they cannot afford the $39.94 monthly fee or prefer to consolidate their monitoring through a different provider. Whatever your reason, the Federal Trade Commission (FTC) guarantees your right to cancel any negative-option transaction, which means you have a legal pathway to exit YourScoreAndMore.

Your legal rights and why they matter

Your ability to cancel YourScoreAndMore is protected by U.S. federal law, specifically the Restore Online Shoppers Confidence Act (ROSCA) and the Telemarketing Sales Rule (TSR), both enforced by the Federal Trade Commission. These laws require that any company offering a negative-option plan (a subscription that auto-renews) must obtain your express informed consent before charging you, and must provide you with a simple, easy mechanism to cancel at any time. ROSCA mandates that cancellation must be just as easy as signup. Your legal position is clear: you have an unconditional right to terminate your subscription, and the company must honor your cancellation request promptly.

The federal trade commission act protects negative-option cancellations

The FTC enforces strict rules on negative-option billing, which means auto-renewing subscriptions like YourScoreAndMore. Under ROSCA, the company must:

• Obtain your express written consent before charging you for the first time
• Provide clear and conspicuous cancellation terms before you complete your purchase
• Offer a cancellation mechanism that is just as simple as the enrollment process
• Process your cancellation request promptly and cease all charges immediately
• Send you written confirmation of your cancellation within 30 days

If YourScoreAndMore fails to honor these requirements, you have grounds to file a complaint with the Federal Trade Commission or your state attorney general. Yafee recommends documenting every cancellation attempt (date, method, and response) so you have evidence if you need to escalate your dispute.

State consumer protection laws add extra safeguards

In addition to federal protections, your state likely has consumer protection laws that give you further rights. Many states require that companies honor cancellation requests within specific timeframes, typically 10 to 30 days. Some states require telephone or online cancellation options in addition to mail. California, where YourScoreAndMore is based, enforces the California Online Privacy Protection Act (CalOPPA) and the California Consumer Legal Remedies Act, which impose strict transparency and cancellation requirements on companies operating in the state. If you are a resident of California, New York, Illinois, or another state with strong consumer protections, you may have additional remedies including the right to sue for statutory damages or attorney fees if the company violates these laws.

The most effective ways to cancel YourScoreAndMore

YourScoreAndMore offers three distinct cancellation methods, each with different levels of effectiveness and documentation. Your choice depends on whether you prioritize speed, proof of delivery, or simplicity.

Cancel by mail with the official refund application form

Cancellation by mail is the most legally defensible option because it creates a paper trail. You submit a written request to YourScoreAndMore's legal department, ensuring your cancellation is documented and traceable. This method is especially effective if you intend to dispute charges later or escalate to your state attorney general or the FTC.

1. Visit the official YourScoreAndMore refund portal at secure.yourscoreandmore.com/refund.html
2. Locate and download the Refund Application form
   • Complete the form with your full name, email address, and account number
   • State your reason for cancellation (though you are not required to justify your decision)
   • Request both cancellation and a refund of any charges you consider unjustified
3. Print two copies of the completed form (one for your records)
4. Mail the form to:
   • YourScoreAndMore.com
   • Attention: Legal and Accounting Department
   • 310 North Westlake Boulevard, Suite 200
   • Thousand Oaks, California 91362
5. Send your letter via Certified Mail with Return Receipt Requested
   • This ensures you receive proof of delivery and a signature confirmation
   • Keep the delivery receipt as evidence of your cancellation attempt
6. Allow 10 to 30 days for processing (the FTC requires prompt action; most companies process within 2 weeks)
7. Verify that charges have stopped by checking your bank statement or credit card statement 5 to 7 days after the expected processing date

Cancel online through your account dashboard

If YourScoreAndMore provides an online cancellation option on its website or through your account portal, use it immediately after you decide to leave. Online cancellation is faster than mail and provides instant confirmation, though you should always screenshot or save the confirmation page as evidence.

1. Log into your YourScoreAndMore account at secure.yourscoreandmore.com
2. Navigate to your account settings, subscription settings, or billing section
   • Look for a "Cancel Subscription," "Manage Membership," or "Billing" link
   • If you cannot find it easily, this may indicate the company is intentionally making cancellation difficult, which violates FTC rules
3. Select the option to cancel or delete your account
4. Complete any required cancellation survey or confirmation prompt
   • You are not obligated to provide a reason, but do so if it helps clarify your intent
   • Confirm your cancellation request
5. Screenshot or save the confirmation page that appears after you submit your cancellation
   • Include the timestamp, confirmation number (if provided), and any text stating when your cancellation becomes effective
6. Forward the screenshot to your own email address or print it for your records
7. Monitor your next billing cycle to verify that no charges appear

Cancel by phone or email if available

Some customers report success calling YourScoreAndMore's customer service line or sending a cancellation email. Phone cancellation is fast, but lacks documentation. Email cancellation is slower but creates a written record.

1. Attempt to locate a customer service phone number on the YourScoreAndMore website or your billing statement
2. Call during published business hours and clearly state: "I want to cancel my subscription effective immediately"
   • Request the customer service representative's name and the date and time of your call
   • Ask for a cancellation confirmation number
   • Ask them to email you a cancellation confirmation
3. If phone cancellation is unavailable or ineffective, send a cancellation email to the company's customer service or support address
   • Include your full name, email address, and account number
   • State clearly: "I hereby request cancellation of my subscription effective immediately"
   • Request a confirmation reply
   • Send the email to every customer service address you can find (support, billing, legal, customer.service@)
4. Save all email confirmations and responses
5. If the company does not respond within 48 hours, escalate to certified mail (see section on cancellation by mail above)

Timeline and what happens after you cancel

Understanding the cancellation timeline helps you track your progress and identify delays that may indicate the company is not honoring your request. The FTC requires cancellation to be processed promptly, which in practice means within 10 to 30 days, though many reputable companies process within 2 to 5 business days.

What you should expect in the days and weeks following cancellation

Cancellation is rarely instantaneous. The company must receive, process, and verify your request before it stops charging you. During this period, you may see charges appear on your statement. These charges are generally recoverable if you have documentation of your cancellation attempt.

• Days 1-2: You submit your cancellation request via mail, email, or phone. If you use certified mail, you receive a delivery confirmation.
• Days 3-10: YourScoreAndMore's customer service team receives and processes your request. You may see one final charge if your billing date occurs during this window. This charge may be refundable.
• Days 10-30: The company confirms your cancellation. Your access to the service is revoked, and no further charges should occur.
• Days 30-60: If the company processed your cancellation correctly, your billing statement shows no new charges. If charges continue, contact your bank or credit card issuer immediately to dispute them.

Verify that charges have truly stopped

Do not assume your cancellation worked until you confirm it on your bank statement or credit card statement. Check your account 5 to 7 days after you expect the cancellation to take effect.

1. Review your most recent bank or credit card statement
2. Search for any charges from "YourScoreAndMore," "YSAM," or similar variations
3. If you see a charge dated after your cancellation request, the company may not have processed your cancellation
   • Contact your bank or credit card issuer and request a dispute or chargeback
   • Provide them with your cancellation documentation (certified mail receipt, email confirmation, or screenshot)
4. Check your next two to three statements to ensure charges do not recur

Refunds, chargebacks, and recovering your money

Simply cancelling your subscription does not automatically refund charges you have already paid. However, you may be entitled to a refund under specific circumstances, and Yafee can help you understand your options.

When you qualify for a refund

You are entitled to request a refund if:

• You cancel during the trial period but are still charged (company error or violation of ROSCA)
• You were charged multiple times within a short timeframe (duplicate billing)
• The company continued charging you after you cancelled (violation of federal law)
• You can demonstrate that you cancelled within your state's cooling-off period (typically 3 to 30 days depending on state law)
• The service materially failed to deliver promised features or security protections

How to request a refund

Include a refund request in your cancellation letter or follow up with a separate refund request 30 days after your cancellation if the company has not already issued one.

1. Send a follow-up letter via certified mail to the same address as your cancellation request, or reply to any email confirmation you received
2. Clearly state the refund amount you are requesting and the reason (trial charge, duplicate charge, continuing charges after cancellation)
3. Provide proof: a screenshot of your statement, the certified mail receipt showing your cancellation, or email confirmations
4. Request that the company issue a refund within 14 days
5. If the company does not respond within 30 days, initiate a dispute through your bank or credit card company

Dispute charges through your bank if the company refuses

If YourScoreAndMore ignores your refund request, your bank or credit card company has the power to force a refund through a dispute process called a "chargeback."

1. Contact your bank's fraud department or your credit card issuer's customer service
2. Request to dispute or challenge the charge
   • Explain that you cancelled the subscription and the company continued charging you
   • Provide copies of your cancellation documentation: certified mail receipt, email confirmation, or screenshot of your cancellation request
3. Most banks allow chargebacks for unauthorized charges or non-delivery of services within 60 to 120 days of the charge
4. The bank initiates an investigation and typically issues a provisional credit while they investigate
5. YourScoreAndMore receives a chargeback notice and must respond with evidence that the charge was authorized
6. Your documented cancellation usually defeats their claim, and you keep the refund

Common mistakes people make when cancelling

Cancellation can feel stressful, but knowing what to avoid dramatically increases your chances of success. Most mistakes stem from lack of documentation or believing that verbal requests are sufficient.

Relying on verbal cancellation requests alone

Never cancel by phone or email without following up with certified mail. Customer service representatives may lose your request, forget to process it, or claim they never received it. Yafee strongly recommends that you create a paper trail by sending your cancellation request in writing at least once, even if you phone or email first.

Failing to save confirmation documentation

Screenshot every confirmation message you receive. If you cancel online, save the confirmation page. If you cancel by email, save the entire email chain. If you cancel by phone, follow up immediately with an email stating the date, time, and representative's name. These documents are your only evidence if a dispute arises.

Expecting cancellation to be instantaneous

Do not assume that your cancellation takes effect immediately. Allow 10 to 30 days for processing, and do not panic if you see one final charge during this window. Verify on your statement after the processing period ends, then dispute any unauthorized charges.

Forgetting to check your statements

Many people cancel and then never verify that charges have actually stopped. Set a reminder on your phone to check your bank statement 7 days after you expect your cancellation to take effect. If charges continue, dispute them immediately.

Ignoring the refund application form

YourScoreAndMore provides an official Refund Application form on its website specifically to document cancellation and refund requests. Using this form makes your request official and creates a legal record. Simply calling or emailing is less effective.

Pricing comparison and why free alternatives exist

Before you struggle to cancel YourScoreAndMore, consider whether you should have signed up in the first place. Multiple legitimate free and low-cost alternatives provide equivalent or superior credit monitoring features without the recurring charges.

Yafee has helped thousands of consumers cancel overpriced credit monitoring subscriptions and switch to free alternatives. If you have already paid for YourScoreAndMore, cancel immediately and recover what you can through refund requests or chargebacks. Going forward, use free services like Credit Karma or your bank's monitoring tools instead.

Key mistakes to avoid and what to do instead

Your cancellation has the highest chance of success when you follow a methodical process and document every step. Treat your cancellation like a legal matter, because under federal law, it is.

Contact details and mailing address for cancellation

Send all cancellation and refund requests to YourScoreAndMore's Legal and Accounting Department using certified mail with return receipt requested. This is the most effective address for ensuring your request reaches decision-makers and creates legal documentation.

Mailing address for cancellation

YourScoreAndMore.com
Attention: Legal and Accounting Department
310 North Westlake Boulevard, Suite 200
Thousand Oaks, California 91362

Online refund portal

You can also access the official Refund Application form and submit cancellation requests at secure.yourscoreandmore.com/refund.html. This portal may process your request faster than mail, but always follow online submissions with a certified letter for legal documentation.

If the company fails to respond

If YourScoreAndMore does not honor your cancellation within 30 days or continues charging you after you cancel, escalate your complaint to:

• Federal Trade Commission: Visit reportfraud.ftc.gov to file a complaint about unauthorized billing or failure to honor cancellation requests
• Your state attorney general: Search for "[your state] attorney general consumer protection" to file a state-level complaint
• Your bank or credit card issuer: Initiate a formal dispute or chargeback to recover unauthorized charges
• Better Business Bureau: File a complaint at bbb.org to create a public record and pressure the company to respond

Yafee understands that cancelling a subscription should not require legal expertise or weeks of follow-up. The company you signed up with has a legal obligation to let you go. By following this guide and documenting your cancellation request, you protect your right to cancel and recover your money. Do not delay; start your cancellation today and verify that charges have stopped within 30 days. If you encounter resistance, Yafee can point you toward the consumer protection tools and agencies that enforce your rights under federal and state law.