Cancel ManageYourScores the easy way

Overview

ManageYourScores is a paid credit monitoring and score prediction service operated under the legal name Manage My Score. The service offers credit reports, score monitoring and tools to model the likely impact of financial actions on a credit score.

Who it is for

The service targets consumers who want to monitor credit files, forecast the impact of credit applications and manage identity protection options on a subscription basis.

Service structure

ManageYourScores operates as a recurring subscription service with multi-tier pricing. Subscriptions are sold on a rolling monthly basis.

Web

1. Do not rely on web forms or account settings for cancellation; ManageYourScores requires registered postal mail.
2. If you attempt an online cancellation, follow up with a Recorded Delivery letter because web cancellation is not accepted.

iOS

1. Unsubscribe in Apple subscriptions only cancels billing via Apple if the subscription was purchased via Apple.
2. If you purchased directly from ManageYourScores, Apple unsubscribe will not cancel the ManageYourScores contract; send Recorded Delivery to the postal address below.

Android

1. If you subscribed via Google Play, cancel the Google Play subscription to stop charges billed through Google Play.
2. If you subscribed directly to ManageYourScores, Google Play cancellation does not terminate the contractual obligation with ManageYourScores; send Recorded Delivery.

Phone

1. ManageYourScores has not published a customer service phone number. Use postal cancellation.
2. If you obtain a phone number from a receipt or welcome email, confirm any phone cancellation request by sending a Recorded Delivery letter that repeats the cancellation details.

Email

1. ManageYourScores does not accept email cancellation as the formal method.
2. If you send an email to customer support, also send a Recorded Delivery letter to ensure a legally verifiable cancellation record.

Postal mail (the accepted method)

1. Write a signed letter including: your full name, full postal address, account number or customer reference, and the email address associated with the subscription.
2. Explicitly state: "I Cancel my ManageYourScores subscription" and specify the desired cancellation date.
3. Request written confirmation that no further payments will be taken and a final account statement.
4. Send the letter by Recorded Delivery to: ManageYourScores, Crown Way, CF14 3UZ Cardiff, United Kingdom.
5. Keep the Recorded Delivery tracking number and a copy of the signed letter. Monitor delivery status until the item is delivered.

Moving / Moving

ManageYourScores has not published a specific policy that allows contract termination solely because you move address. If you wish to cancel for this reason, send the Recorded Delivery letter with proof of new address (copy of new tenancy agreement or utility bill) and request termination. There is no explicit statutory right to cancel due to moving alone under the Consumer Contracts Regulations 2013.

Price increase

If the price charged increases after you subscribed, check your contract for the company s price variation clause. UK consumer protection by the Consumer Rights Act 2015 prohibits unfair terms. If the increase is not permitted by your contract or is disproportionate, use Recorded Delivery to cancel and quote the contract clause and request a refund for any overcharge. Escalate to Citizens Advice if ManageYourScores refuses to respect the contract.

Death of the subscriber

ManageYourScores has not published instructions for cancellation after death. A person acting for the estate should send a Recorded Delivery letter with a copy of the death certificate and proof of authority to act. Include account details and request account closure.

Legitimate ground

ManageYourScores has not published an explicit list of accepted "legitimate grounds" for immediate termination. For service failure or poor performance, rely on the Consumer Rights Act 2015 which requires services to be supplied with reasonable care and skill. Send Recorded Delivery with evidence of the problem and request termination and/or refund under the Consumer Rights Act 2015.

End of commitment

ManageYourScores operates rolling monthly contracts. There is no published fixed-term commitment. Terminate by sending Recorded Delivery and allow up to 30 days for the cancellation to take effect.

Cooling-off period (14 days)

If you subscribed at a distance (online or by phone), you have a 14-day cooling-off right under the Consumer Contracts Regulations 2013. To exercise it, send a Recorded Delivery cancellation within 14 days from the day after receiving confirmation of the contract. Request a refund; the company must refund within 14 days of receiving the cancellation.

Before cancelling: negotiate

Research does not report any specific retention offers from ManageYourScores. When you call or write, request a retention offer in your cancellation letter: ask for a discount, a free month, or downgrading to a lower plan. Phrase the request: "Please offer any retention discount or downgrade options; otherwise process this cancellation." Send this request by Recorded Delivery to create a verifiable record.

What cancelling saves

Use the published price bands to compute annual savings. Example calculations from published prices:

• Basic credit monitoring: £5.99 x 12 = £71.88 per year or £9.99 x 12 = £119.88 per year.
• Multi-agency monitoring: £10.99 x 12 = £131.88 per year or £14.99 x 12 = £179.88 per year.
• Premium identity protection: £15.99 x 12 = £191.88 per year or £24.99 x 12 = £299.88 per year.

Cheapest competitor listed in the research: Engager.app at £9 per month = £108 per year. Example savings vs premium:

• Cancel Premium at £15.99 per month (annual £191.88) and switch to Engager.app at £9 per month (annual £108). Savings = £191.88 - £108 = £83.88 per year.
• Cancel Multi-agency at £14.99 per month (annual £179.88) and switch to Engager.app at £108. Savings = £179.88 - £108 = £71.88 per year.

Key UK laws and regulator

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off right for distance sales. The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill and prohibits unfair contract terms. The Competition and Markets Authority (CMA) and Trading Standards oversee consumer protection for subscription practices.

Cooling-off and refunds

If you cancel within 14 days of subscribing you are entitled to a refund under the Consumer Contracts Regulations 2013, unless you expressly consented to immediate performance of digital content. The company must refund within 14 days of receiving your cancellation.

Auto-renewal and hard-to-cancel practices

The CMA treats unclear auto-renewal and hard-to-cancel subscriptions as potentially unfair. Because ManageYourScores requires Recorded Delivery for cancellation, keep proof of postage and delivery. If the firm continues charging despite a valid cancellation, escalate as below.

How to escalate

1) Complain to ManageYourScores in writing by Recorded Delivery. 2) Contact Citizens Advice for guidance. 3) If the subscription relates to regulated financial services, contact the Financial Ombudsman Service. 4) For card payments, ask your card issuer about Section 75 or a chargeback. 5) Report unfair practices to the CMA and local Trading Standards.

Verify company registration: Companies House record.

Obtain written confirmation

Once delivery is confirmed, expect a written confirmation from ManageYourScores acknowledging cancellation and stating the final payment date. If you do not receive confirmation within 14 days of delivery, send a follow-up Recorded Delivery and keep records.

Monitor bank and cards

Watch your bank account for any further charges for 30 days. If an unauthorised charge appears after valid cancellation, contact your card issuer to request a chargeback or Section 75 where applicable.

Data and reactivation

Request the company to confirm what personal data it will retain and how to delete your data. If you later re-subscribe, confirm whether the same account details remain or a new contract is created.

Follow this checklist to cancel securely and preserve your rights.

• 1. Prepare a signed cancellation letter with full name, postal address, account number and email.
• 2. Clearly write: "I Cancel my ManageYourScores subscription" and state the desired cancellation date.
• 3. Request written confirmation that no further payments will be taken.
• 4. Send the letter by Recorded Delivery to: ManageYourScores, Crown Way, CF14 3UZ Cardiff, United Kingdom.
• 5. Keep the Recorded Delivery tracking and a copy of the letter.
• 6. Monitor delivery and expect confirmation within 14 days of delivery.
• 7. If you paid by card and experience wrongful renewal charges, contact your card issuer about chargeback or Section 75.