Cancel Manage Your Scores the easy way

Service overview

Manage Your Scores is a subscription service that provides credit reports, credit scores and identity protection tools to UK consumers. Services typically include single-agency or multi-agency monitoring and optional identity-protection features for a recurring monthly fee.

Who uses it

Customers are consumers seeking to predict and improve credit scores to access lower interest rates and to guard against identity theft.

Company facts

Phone

1. Dial 0800 432 0912.
2. Ask to cancel your Manage Your Scores subscription and provide your account details: full name, email, billing address and last 4 digits of payment card.
3. Request a cancellation reference or confirmation email and note the date and agent name.
4. If you are within 14 days of start, request a refund referencing the cooling-off rules (see refund policy).

Web (secure cancel page)

1. Go to the official secure cancellation form at Manage My Credit - secure cancel.
2. Log in with your account credentials or enter the information requested.
3. Complete the cancellation form and submit.
4. Save or screenshot the confirmation page and any confirmation email.

Post

1. Write a signed letter clearly stating your name, account details, the date you request cancellation and the word "Cancel".
2. Send by recorded delivery to: Manage Your Scores, Crown Way, CF14 3UZ Cardiff, United Kingdom.
3. Keep proof of posting and the delivery receipt.

Email / Contact form

1. Use the contact form or customer service email listed in the service FAQs: Manage My Credit FAQs.
2. Include the same identity details as for phone cancellation and request written confirmation.
3. Allow 48-72 hours for a reply and follow up if no confirmation is received.

App Store / Google Play

1. If you subscribed through Apple, open Settings > your Apple ID > Subscriptions and cancel Manage Your Scores subscription.
2. If subscribed through Google Play, open Google Play Store > Menu > Subscriptions and cancel.
3. Save the app store cancellation confirmation email as proof.

Cooling-off right (first 14 days)

Rule: You have a 14-day cancellation period under the Consumer Contracts Regulations 2013. The 14-day period starts from the later of the agreement start date or the day after you receive the welcome letter and terms and conditions. If you cancel within this period you are entitled to a full refund for prepaid fees.

Required proof: order confirmation, welcome letter or terms and conditions date, and your cancellation request (email, recorded delivery receipt or phone confirmation). Applicable law: Consumer Contracts Regulations 2013.

Price increase

Rule: If the subscription price increases and you do not accept the increase, you are entitled to cancel without penalty if the contract allows this. The Digital Markets, Competition and Consumers Act requires clear renewal and price-increase disclosures for long subscriptions; auto-renewal must have explicit opt-in.

Required proof: notice of price change from the provider. Applicable law: Digital Markets, Competition and Consumers Act and CMA guidance on auto-renewals.

Moving abroad

Rule: Relocation alone is not an automatic legal ground to break a contract unless the contract lists it. You may request termination for practical reasons; the provider may allow early termination or downgrade if requested.

Required proof: new address evidence such as utility bill or tenancy agreement. Applicable law: Consumer Rights Act 2015 on fairness of contract terms.

Death of the subscriber

Rule: The estate or next of kin may cancel the subscription by contacting customer services and providing proof of death.

Required proof: death certificate and proof of estate administration or executor authority. Applicable law: Consumer Rights Act 2015.

Identity validation failure

Rule: Research shows that if a customer fails to submit sufficient documents to TransUnion to validate identity within 90 days of failing validation, membership may be terminated and no refund is guaranteed.

Required proof: correspondence showing identity checks and deadlines. Applicable law: Consumer Rights Act 2015 on service performance.

End of commitment or fixed term

Rule: If your plan had a fixed term, cancellation at the end of the term should be possible without penalty. If the provider auto-renews you must be given clear pre-contract information and renewal reminders for contracts over six months.

Required proof: original contract showing term dates. Applicable law: Consumer Contracts Regulations 2013 and CMA guidance.

Before you cancel: negotiation

Retention offers known: research does not report specific retention discounts or standard offers from Manage Your Scores. If you want to attempt negotiation, contact customer services by phone and request a downgrade, a temporary pause or a promotional discount for the next 1 to 3 months. Script: give account details, state you are cancelling for cost reasons, ask: "Are there any retention discounts, a lower tier or a pause you can apply to avoid cancellation?" Save any written offer before accepting.

What cancelling saves you - yearly calculations

Use these published typical prices and annual totals:

• Basic credit monitoring: £5.99 per month = £5.99 x 12 = £71.88 per year.
• Multi-agency monitoring: £10.99 per month = £10.99 x 12 = £131.88 per year.
• Premium identity protection: £15.99 per month = £15.99 x 12 = £191.88 per year.

Cheapest real alternative from research: ClearScore (free service) or ClearScore Protect Plus at £7.99 per month = £7.99 x 12 = £95.88 per year. Example savings if switching from Premium to ClearScore Protect Plus: £191.88 - £95.88 = £96.00 per year saved. Example savings if cancelling Basic and using free ClearScore: £71.88 saved per year.

Key UK consumer law

Relevant laws and regulators: Consumer Contracts Regulations 2013 (14-day cooling-off), Consumer Rights Act 2015 (services must be performed with reasonable care and skill and unfair terms are not binding) and oversight by the Competition and Markets Authority on auto-renewal fairness. The Financial Conduct Authority may be relevant for regulated financial advice but general credit monitoring is not necessarily FCA-regulated.

Cooling-off and digital content

If you received immediate digital content or services and explicitly agreed to start the service during the 14-day period, the provider may lawfully refuse a refund for the portion of digital content already provided. For most online subscription sign-ups you retain the 14-day right unless you gave express consent to immediate access.

Escalation steps

1. Complain to Manage Your Scores in writing and request written confirmation of cancellation and any refund.

2. If unresolved, contact Citizens Advice for guidance and escalate to the Financial Ombudsman Service if the subscription relates to regulated financial services. For card payments, consider Section 75 or chargeback via your card issuer where eligible.

Official help pages: subscription cancellation and terms are available in the service FAQs at Manage My Credit FAQs and terms and conditions at Manage My Credit terms (PDF). For general consumer cancellation rights see Which? guidance on cancelling online.

Check final billing and refunds

Check your bank or card statement for any final charges. If you cancelled within the 14-day cooling-off period and requested a refund, the provider should refund you in full for prepaid amounts. If you cancelled within 24 hours of renewal you may be charged for the next month; dispute this promptly.

Data and access

After cancellation you may lose access to your dashboard and credit alerts. If you want your account data, request an account export or data copy from customer services. If you want deletion, request account closure and deletion in writing; the retention period and deletion process are not publicly disclosed.

Re-activation and timing

If you choose to re-subscribe later, prices and promotional offers may have changed. There is no published minimum re-activation delay; re-subscription is subject to current pricing and identity verification policies.

Follow this checklist to cancel cleanly and protect your rights.

• Collect your account details: full name, email, billing address, payment card last 4 digits.
• If within 14 days, prepare to request a full refund and cite the Consumer Contracts Regulations 2013.
• Choose a cancellation channel: phone, secure web page, or recorded postal letter.
• If cancelling by phone, ask for a cancellation reference and note the agent and time.
• If cancelling by post, send a signed letter by recorded delivery to: Manage Your Scores, Crown Way, CF14 3UZ Cardiff, United Kingdom.
• Save confirmation emails, screenshots, proof of posting and any reference numbers.
• Check your bank statement within 7 days for refunds or unexpected charges.
• If you do not receive confirmation within 7 days, escalate to Citizens Advice and consider a chargeback or Section 75 for card payments.