Cancel My Score IQ the easy way

Service overview

My Score IQ is a consumer credit monitoring and score service offering access to credit scores and reports, ongoing monitoring, and identity alerting. The service operates on a subscription model with an initial trial period followed by a recurring monthly membership.

Who runs it

The service is branded MyScoreIQ by IDIQ and is owned by IDIQ (Identity Intelligence Group, LLC), headquartered in Temecula, United States. The company was founded in 2009 and reports approximately 145 employees.

Quick facts

Website - cancel online

1. Open your account at the member area.
2. Locate an account or subscription management page and look for a Cancel button.
3. Click Cancel and follow on-screen prompts; save screenshots.
4. If the cancel button is not available or fails, use Phone or Registered post methods below.

Phone - call Customer Care

1. Phone the Customer Care Team during business hours and state your request to cancel your subscription.
2. Provide full name, email, billing address, last four of card, and any membership ID for verification.
3. Ask for a cancellation reference number and for a confirmation email within 24 hours.
4. Keep the time and agent name for records.

Post - registered letter

1. Write a signed cancellation letter including: full name, billing address, account email, last four digits of card, and date you want cancellation to take effect.
2. Send by registered post to: My Score IQ, Customer Services, PO Box 71367, London, SW1P 9HJ, United Kingdom.
3. Retain proof of postage and the delivery receipt.

Email / Contact form

1. Use the official contact page at member contact or send an email from the account owner's email address.
2. Include the same account identifiers as for phone and a clear subject line: Cancel my subscription.
3. Request written confirmation and a final bill if applicable.

Power of Attorney

1. If acting for someone else, provide a valid, signed Power of Attorney and ID for both parties when you contact Customer Care or when sending a registered letter.
2. My Score IQ processes cancellations only from the member directly or someone with a valid Power of Attorney.

Moving abroad or change of circumstances

If you move and can no longer use UK-based services, state the move date and provide proof such as a utility bill or tenancy agreement in the new country. My Score IQ does not publish a specific moving policy, so include contact details and ask for confirmation in writing. Applicable law: Consumer Contracts Regulations 2013 for online contracts where cooling-off may apply.

Price increase

If My Score IQ raises the recurring price after you subscribed and you do not accept the new price, you can cancel and request a refund for unused period. Provide the billing statement showing the increase. Applicable law: Consumer Rights Act 2015 and Consumer Contracts Regulations 2013.

Death of the subscriber

To cancel on grounds of death provide a copy of the death certificate and legal proof of authority (executor or next of kin ID). Send documents by registered post or via the contact form and request confirmation. Applicable law: Consumer Rights Act 2015 regarding contract termination on death and rights of the estate.

Legitimate ground - misleading terms or unclear trial

My Score IQ customers have reported trial charges that converted to subscriptions without a clearly explained trial. If terms were unclear, supply evidence such as screenshots, purchase confirmation, or bank statements and ask for a refund. Legal basis: Consumer Protection from Unfair Trading Regulations 2008 and Consumer Contracts Regulations 2013. For credit card payments over £100, Section 75 of the Consumer Credit Act may apply.

End of commitment / trial expiry

If you are within a trial period, cancel before the trial end date to prevent conversion to a paid plan. If you cancel within the 14-day cooling-off period, you are entitled to a refund for charges beyond a trial fee minus pro-rata for used services. Applicable law: Consumer Contracts Regulations 2013.

Before you cancel: negotiate

There are no widely reported retention offers specific to My Score IQ in the research. To request a retention offer call the Customer Care Team and ask for either a discount, a pause, or a lower-tier plan. Use the following script: state your account details, say you will cancel unless given a price reduction, and ask for the exact monthly price and how long it will last. If you are denied, request written confirmation of the denial for dispute evidence.

What cancelling saves you - yearly calculation

Use the plan prices reported by My Score IQ to calculate annual savings:

• If your plan is £14.99 per month: 12 x £14.99 = £179.88 per year saved.
• If your plan is £19.99 per month: 12 x £19.99 = £239.88 per year saved.
• Initial trial costs reported at £1 to £2 do not materially affect annual totals.

Cheapest real alternative from competitors in the research: Learnfluid at £4.99 per month. Yearly cost: 12 x £4.99 = £59.88 per year. Comparison example: switching from £14.99 to Learnfluid saves £179.88 - £59.88 = £120.00 per year. Switching from £19.99 to Learnfluid saves £239.88 - £59.88 = £180.00 per year.

Key UK laws and regulator

The main laws that apply are the Consumer Contracts Regulations 2013, the Consumer Protection from Unfair Trading Regulations 2008, and the Consumer Rights Act 2015. Complaints about financial aspects can be taken to the Financial Ombudsman Service. The Competition and Markets Authority highlights unfair auto-renewal practices as potentially unlawful.

Cooling-off and refunds

You have a 14-day cooling-off period under the Consumer Contracts Regulations 2013 for most online contracts. If you cancel within 14 days you are entitled to a refund for charges beyond any legitimate trial fee, minus a pro-rata amount for services used. Digital content exception applies if you expressly agreed to immediate access to downloadable content.

Payment protections

If you paid by credit card and an individual charge is over £100, you may be protected by Section 75 of the Consumer Credit Act making the card issuer jointly liable. For other card payments, contact your bank to request a chargeback if charges were unauthorized or misleading.

Escalation steps

1. Complain to My Score IQ using phone, contact form or registered post and keep evidence. 2. If unresolved, contact Citizens Advice for guidance. 3. If it concerns financial services, escalate to the Financial Ombudsman Service. 4. For card disputes, contact your card issuer for chargeback or Section 75 claim.

Confirm access and final billing

After cancellation, request written confirmation that billing has stopped and the date cancellation takes effect. Check your bank or card statements for any further charges for at least two billing cycles.

Data and account access

Ask what happens to your account data. Request deletion or export of your personal data in writing if you want records removed, and keep the response from My Score IQ for your records.

Re-activation and re-subscription

If you re-subscribe later you may lose any historical alerts. Keep a copy of important credit reports downloaded before cancelling. If you want to re-activate, use the member sign-up path and confirm pricing before entering payment details.

Follow this checklist to cancel and protect your rights.

• Gather account details: account email, billing address, last four digits of card.
• Decide cancellation method: phone, website, registered post or contact form.
• If calling, note agent name, time and request a reference number.
• If by post, send a signed cancellation letter to the official PO Box and keep proof of postage.
• Save screenshots of member pages and billing history showing trial or charges.
• If cancellation occurs within 14 days, request a refund and state your right under the Consumer Contracts Regulations 2013.
• If you are charged after cancellation, contact your card issuer about chargeback or Section 75 if over £100.