To cancel MyScoreIQ, log into your account at myscoreiq.com and use the cancel option under Account Details, or call (800) 637-5590 during business hours. Those are the only two methods the company accepts. Email requests do not count on their own; MyScoreIQ’s terms say they will not process an emailed cancellation unless they can reach you by phone afterward to verify your identity. Send an email and assume you’re done, and the charges keep coming.
Cancel Online Through the Dashboard
Sign in at myscoreiq.com and open Account Details in the upper-right corner. Inside that section, find Manage Your Plan, which contains a cancel button. Click it and work through the confirmation prompts. The site may offer a discount or a plan downgrade before it lets you finalize; click past those if you’ve decided to leave.
If you have more than one active subscription under the same account, cancel each one separately. Ending one plan does not end the others.
Cancel by Phone
Call (800) 637-5590 during regular business hours. The automated system routes you through several menus before a representative picks up. Have your Member ID (from your welcome email or dashboard) and the email address on the account ready, because the agent has to verify your identity before processing anything. Phone is the method where their terms explicitly require that verification, so expect security questions.
Once the agent confirms the cancellation, ask for a confirmation number and write it down. That number is your proof the request was accepted, and you’ll want it if a charge shows up later.
If You Signed Up Through an App Store
Canceling through MyScoreIQ’s website or phone line will not stop your charges if you originally subscribed through Google Play or the Apple App Store. Those subscriptions are billed by the app store, so you have to cancel where you subscribed.
On an iPhone, open Settings, tap your name, tap Subscriptions, find MyScoreIQ, and tap Cancel Subscription. Deleting the app does not cancel it. On Android, open the Google Play Store, tap your profile icon, go to Payments & subscriptions, select Subscriptions, find MyScoreIQ, and follow the steps. Uninstalling the app alone changes nothing about the billing.
What Stops Right Away
MyScoreIQ differs from many subscription services on this point. According to their terms, identity protection monitoring, credit monitoring, and access to credit reports are discontinued immediately once the cancellation goes through. You do not keep the paid features through the end of your billing cycle. You may still be able to log in for certain free features or future purchases, but the monitoring itself stops.
Canceling the subscription also does not revoke the written FCRA authorization you gave MyScoreIQ when you enrolled. That authorization lets them continue accessing your credit information, and their terms say they may, at their discretion, keep monitoring your credit at no charge and send alerts about suspicious events or promotional offers. If you want that access shut off too, call customer service and specifically request revocation of your FCRA authorization.
Refunds and Timing
MyScoreIQ does not refund unused subscription time. Their terms allow refunds only when a billing error or enrollment defect was their fault, and this rule applies to both monthly and annual plans. Pay $299.88 for a yearly Pro subscription and cancel six months in, and no money comes back for the remaining months.
Timing matters because of that policy. On a monthly plan running $9.99 to $34.99 depending on tier, cancel as close to the start of the next billing cycle as you practically can. Annual subscribers have already prepaid, so the calculation is different, but the rule is the same: no partial refund.
Trial Memberships
MyScoreIQ has offered promotional trials, typically seven days for $1, that convert into a full-price monthly subscription if you don’t cancel before the trial ends. Cancel before the seven-day window closes if you don’t want to continue. The same two methods apply, dashboard or phone. Once the trial converts, the no-refund policy makes it unlikely you’ll get that first month’s charge reversed.
If You’re Still Being Charged
Save the confirmation email from an online cancellation, or the confirmation number from a phone call, and check your next statement to make sure the charges stopped. If they didn’t, call (800) 637-5590 with the confirmation details and reference the date of your original request.
If that call doesn’t resolve it, two escalation paths are available:
- Dispute the charge with your credit card issuer as a billing error. Federal law requires the issuer to acknowledge a written dispute within 30 days and resolve it within 90 days. Send the dispute in writing to the billing inquiry address on your statement (not the payment address) and include copies of your cancellation confirmation.
- File a complaint at ftc.gov. The FTC’s click-to-cancel rule requires companies to make cancellation as easy as sign-up, and continued billing after a confirmed cancellation runs against that rule.