To cancel your MyFreeScoreNow subscription, call customer service at 888-548-2008 or mail a written cancellation request to the company’s PO Box in Seattle. There is no cancellation button inside your online account, so one of those two methods is required. The service bills $29.90 per month after the 7-day trial, and payments are non-refundable, so cancel before your next billing date if you want to avoid another charge.1MyFreeScoreNow. Cancellation Policy of MyFreeScoreNow Inc
Cancel by Phone
Call 888-548-2008 during the business hours posted on the company’s website.1MyFreeScoreNow. Cancellation Policy of MyFreeScoreNow Inc Have the email address on your account and your full name ready so the representative can pull up your file. Say clearly that you want to cancel your credit monitoring membership.
Before you end the call, ask for a cancellation confirmation number and write it down. That number is your proof the request was made, and you’ll need it if a charge appears later. You don’t have to explain why you’re canceling or accept any retention offer. A polite “I’d like to cancel today,” repeated as needed, is enough.
Cancel by Mail
If you’d rather not call, send a written cancellation request to:
MyFreeScoreNow Inc.
PO Box 4798
Seattle, WA 981941MyFreeScoreNow. Cancellation Policy of MyFreeScoreNow Inc
Include your full name, the email address on your account, and a clear statement that you’re canceling. Send it certified mail with return receipt requested. The green card the postal service returns to you proves when the company received your letter. Mail takes longer than a phone call, so factor delivery time into your next billing date.
Why Timing Matters
The trial costs $1 for seven days. After that week, $29.90 is charged to the card you signed up with, and billing continues every month until you cancel.2My Free Score Now. Get Your Credit Score and Free Credit Report Now The company does not send a reminder when the trial ends or when monthly billing begins.1MyFreeScoreNow. Cancellation Policy of MyFreeScoreNow Inc
All payments are non-refundable, and there are no partial credits for months you don’t fully use.1MyFreeScoreNow. Cancellation Policy of MyFreeScoreNow Inc Once a monthly charge posts, it’s yours even if you cancel the next day. If you only signed up to pull your reports, set a reminder for day five or six of the trial so you have time to cancel before the first $29.90 hits.
Confirm the Cancellation Went Through
Watch your bank or card statement through the next billing cycle. If MyFreeScoreNow was charging on the 15th of each month, check a few days after the 15th to confirm no new charge appeared. Save any confirmation email you receive. If one doesn’t arrive within a couple of days, call back and ask for written confirmation that the account is closed, referencing the confirmation number from your first call.
Complaints about this company often involve charges that continue after a cancellation attempt. Without a confirmation number or a certified mail receipt, a billing dispute turns into your word against the company’s records.
If You’re Charged After Canceling
What to do next depends on how you paid.
Debit Card or Bank Account
For charges pulled from a bank account or debit card, federal law gives you 60 days from the date your bank sent the statement containing the unauthorized charge to report it. Report within that window and your liability for later charges is limited; miss it and you may be responsible for charges between the end of the 60-day period and the day you finally notify the bank.3eCFR. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers Call your bank as soon as you spot the charge, and follow up in writing if the bank asks you to.
Credit Card
If you paid by credit card, the Fair Credit Billing Act applies. You have 60 days from the statement date to send a written dispute to the card issuer’s billing inquiries address, including your name, account number, the date and amount of the charge, and why you believe it’s an error.4Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors Send it certified mail and keep a copy.
Stop Future Charges at the Bank
However you paid, you can also order your bank to block the recurring charge. Under federal electronic fund transfer rules, notify the bank at least three business days before the next scheduled payment to stop it, and the bank may ask you to confirm the stop-payment order in writing within 14 days.5Consumer Financial Protection Bureau. 12 CFR 1005.10 – Preauthorized Transfers This is a useful backup if the company doesn’t process the cancellation promptly, because it cuts off the payment at the source.
Canceling Will Not Affect Your Credit
Credit monitoring services use only soft inquiries to pull your reports, and soft inquiries don’t factor into FICO or VantageScore calculations. Canceling doesn’t trigger a hard inquiry, and your scores, payment history, and credit file stay exactly as they were. The only change is that you stop receiving alerts about new activity. If you still want to check your credit after canceling, you can get free reports from AnnualCreditReport.com, the federally authorized source.