A charge labeled NAT*YourScoreAndMore on your bank or credit card statement comes from YourScoreAndMore.com, a subscription credit monitoring service run by Nations Info Corp. of Thousand Oaks, California.1Better Business Bureau. YourScoreAndMore.com BBB Complaints The “NAT” prefix refers to the parent company, Nations Info Corp.2Nations Info Corp. Nations Info Corp. Official Website The charge almost always traces back to a low-cost trial sign-up that converted into a paid subscription. If you want it stopped, you have three paths: cancel with the company, request a refund, or dispute the charge with your bank.
What You’re Being Billed For
YourScoreAndMore sells credit reports, monthly-refreshed credit scores, monitoring alerts, and loan and card recommendations.3Better Business Bureau. YourScoreAndMore.com BBB Business Profile Three plans are offered, each starting with a trial:
- Monthly plan: a $1.00 seven-day trial that converts to $39.94 per month.
- Six-month plan: a 14-day trial that converts to $99.00 billed every six months.
- Annual plan: $179.00 as a one-time charge.
For the monthly plan, the first full charge hits exactly seven days from the hour you registered and then repeats every month until you cancel.4YourScoreAndMore. Terms of Use If the amount on your statement matches one of these figures, that’s the subscription at work.
How to Cancel
You can cancel through any of three channels:4YourScoreAndMore. Terms of Use
- Phone: (800) 950-8040, Monday through Friday 5 AM to 6 PM Pacific, Saturday and Sunday 7 AM to 3:30 PM Pacific.5YourScoreAndMore. Contact Us
- Email: support@yourscoreandmore.com.
- Online form: yourscoreandmore.com/contact-us.html.
The company says a processed cancellation produces a cancellation number and an immediate confirmation email.6Better Business Bureau. YourScoreAndMore.com BBB Complaints – Goleta Email requests are said to be handled within 24 hours.7Better Business Bureau. YourScoreAndMore.com BBB Complaints – Page 2
Keep proof. Save the confirmation email, screenshot the form submission, or write down the date, time, and confirmation number from a phone call. You will need that record if a charge appears afterward or if you have to escalate the matter to your bank.
How to Get a Refund
The company’s terms state that “all service fees are non-refundable.”4YourScoreAndMore. Terms of Use In practice, refunds are often issued anyway. In many BBB complaints the company has granted refunds as a “one-time courtesy,” and in some cases it acknowledged that a representative failed to process a prior cancellation and refunded the charge to resolve the matter.7Better Business Bureau. YourScoreAndMore.com BBB Complaints – Page 2
There is also a formal refund application, but it is burdensome. It requires your name, email, phone number, order ID, registration date, card details, a copy of your billing statement, and a signed declaration under penalty of perjury. The completed form must be sent by fax to (800) 314-9323 or by mail to the company’s Thousand Oaks address, and you are instructed to call back 10 to 20 days later to discuss it. The listed eligible reasons are duplicate payment, fraud (with a police report), and service that never worked.8YourScoreAndMore. Refund Application
Faster routes in practice: calling customer service directly and asking for a refund, or filing a BBB complaint. Both have produced refunds in cases where the written policy said none was available.
How to Dispute the Charge With Your Bank
If the company won’t cancel or refund, your bank is the next stop. The right tool depends on how you paid.
For a credit card charge, the Fair Credit Billing Act lets you dispute a billing error in writing. Send a dispute letter to your card issuer’s billing-inquiry address with your name, account number, and a description of the charge. It must reach the issuer within 60 days of the statement containing the charge. The issuer has to acknowledge the dispute within 30 days and resolve it within 90. While the investigation is open, you can withhold payment on the disputed amount, and the issuer cannot report it delinquent or send it to collections.9Federal Trade Commission. Using Credit Cards and Disputing Charges
For a debit card charge or a recurring automatic payment, the Consumer Financial Protection Bureau advises contacting your bank to revoke the company’s authorization and, if needed, placing a stop-payment order. If a payment goes through after you’ve revoked authorization, the bank should treat it as an error and refund it.10Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account
If you never signed up for anything at all, the FTC recommends reporting the charge at ReportFraud.ftc.gov in addition to disputing it with your bank.11Federal Trade Commission. How to Stop Subscriptions You Never Ordered
Your Rights Under California Law
Because YourScoreAndMore operates under California law, California’s Automatic Renewal Law applies to the service. Amendments that took effect on July 1, 2025, require businesses to allow online cancellation of subscriptions purchased online, without obstructive or delaying steps. The law also requires annual reminders disclosing the service, the charge amounts, and how to cancel, as well as advance notice before a free trial converts to a paid subscription. Violations can be enforced by the California attorney general, district attorneys, or through private lawsuits.4YourScoreAndMore. Terms of Use If the company is slow-walking a cancellation or demanding steps that go beyond what you did to sign up, those requirements give you something concrete to cite.