To cancel Choice Credit Score without calling, email support@choicecreditscore.com, submit the contact form on the company’s website, or mail a certified letter to its Thousand Oaks headquarters. Any of the three creates a written record. What matters more than the method is the timing: cancel before the 7-day trial closes, or the company charges $39.94 to your card and keeps charging every month after that.1ChoiceCreditScore. Terms of Use
Cancel Before the Trial Ends
Signing up costs $1.00, which activates a 7-day trial. If you don’t cancel before that window closes, $39.94 hits your card exactly seven days after signup, down to the hour, and repeats monthly until you stop it.1ChoiceCreditScore. Terms of Use
Canceling inside the trial saves you the first full charge. If you’ve already been billed, the company’s terms state that all service fees are non-refundable, so there’s no partial credit for canceling mid-cycle.1ChoiceCreditScore. Terms of Use Act sooner, absorb fewer charges.
Send an Email or Use the Contact Form
The fastest written method is an email to support@choicecreditscore.com. Include your full name, the email address you registered with, and any account or member ID from your welcome email or account settings. State plainly that you want to cancel your subscription and stop all future billing. Something like “I am requesting immediate cancellation of my Choice Credit Score subscription” leaves no room for misinterpretation.2ChoiceCreditScore. Contact Us
The company also runs an online contact form. Go to the “Contact Us” page and fill in the same information. Either channel produces a timestamped record, which matters if the company later claims your request never arrived.
Save proof. Screenshot the sent email with its date and time, or screenshot the confirmation page after submitting the form. That documentation is what proves you asked to cancel on a specific date.
Mail a Cancellation Letter
For the strongest paper trail, mail a physical letter to:
ChoiceCreditScore.com
310 Westlake Blvd., Suite 200
Thousand Oaks, CA 91362
Include your full name, registered email, account number, and a clear statement that you’re canceling your subscription effective immediately. Send it USPS Certified Mail with Return Receipt Requested. The signed return receipt confirms someone at the company’s address received the letter on a specific date, which is evidence that holds up if you later dispute charges with your bank.
Mail is slower than email. If your next billing date is close, send the email first and follow up with the letter as backup.
Confirm the Cancellation Actually Went Through
Don’t assume it worked because you sent the request. Watch for a confirmation email from Choice Credit Score. If nothing arrives within a few business days, follow up and reference your original request date.
Check your bank or credit card statement around the date your next monthly charge would normally post. A $39.94 charge that appears after you have written proof of cancellation is the basis for a dispute. Also try logging into your account. If it shows inactive or closed, the cancellation processed.
If the Charges Keep Coming
Stop the Payments at Your Bank
Under the Electronic Fund Transfer Act, you can halt a preauthorized recurring payment by notifying your bank or credit union at least three business days before the next scheduled charge.3Office of the Law Revision Counsel. 15 USC 1693e – Preauthorized Transfers You can give the stop-payment order by phone or in writing. If you call, your bank may require written confirmation within 14 days, or the oral order expires.4Consumer Financial Protection Bureau. Regulation E Section 1005.10 – Preauthorized Transfers Many banks charge a stop-payment fee, often around $25.
A stop-payment order doesn’t cancel your account with Choice Credit Score. Send the email or letter to the company anyway, so it can’t claim you owe an outstanding balance or refer the account to collections.
Dispute the Charge
If you paid with a credit card and were billed after canceling, dispute the charge under the Fair Credit Billing Act. You have 60 days from the date your card issuer sent the statement containing the charge to submit a written dispute.5Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Most issuers also let you open a dispute online or by phone, though written notice to the address the issuer designates for billing inquiries gives you the clearest legal protection.
A charge for a service you already canceled fits the definition of a billing error. Attach copies of your cancellation email, contact form screenshot, or certified mail receipt. The issuer must investigate and cannot require you to pay the disputed amount while the investigation is open.
If you paid with a debit card, disputes fall under the Electronic Fund Transfer Act rather than the Fair Credit Billing Act, and protection is somewhat weaker. The stop-payment route is usually more effective for debit transactions.
File a Complaint
If requests go ignored, escalate. The FTC accepts complaints at ReportFraud.ftc.gov. It doesn’t resolve individual disputes, but complaints feed enforcement decisions. You can also file with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, particularly for unauthorized charges to your bank or card.6Consumer Financial Protection Bureau. Submit a Complaint The CFPB forwards complaints directly to the company, and companies tend to respond more seriously to those than to direct customer emails.
Your Right to a Simple Cancellation
The Restore Online Shoppers Confidence Act, passed in 2010, makes it illegal for online sellers to charge consumers through a negative option feature unless the company provides simple mechanisms to stop the recurring charges.7Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet The FTC enforces the law and has pursued companies that bury cancellation options or make the process unreasonably difficult, and it can seek civil penalties per violation along with consumer refunds.8Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule If Choice Credit Score won’t honor a straightforward written cancellation, that’s the kind of practice the statute targets, and your complaint feeds into it.