Complaints

This profile includes complaints for YourScoreAndMore.com's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  YourScoreAndMore.com

  310 N Westlake Blvd Ste 200 Thousand Oaks, CA 91362-7000

  
• 

  YourScoreAndMore.com

  5951 Encina Rd Ste 208 Goleta, CA 93117-6252

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Called several times to cancel membership. They supposedly cancelled it and refunded $19.95 then today October 15, they charged my bank account again for $39.95 causing my account to go into overdraft causing a $30.00 charge to my account. They need to refund me $89.95 for this mess.

  

  Business Response

  Date: 10/19/2025

  In response to the complaint, our findings show that on 9/23/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com.  The customer did not contact us during the trial period to cancel the membership or after the membership commenced until 10/15/2025.   As per the membership agreement that the customer acknowledged, we attempted to charge the credit card on file for the monthly membership.  The credit card on file was declined for insufficient funds.  A subsequent attempt was able to process the amount due of $39.94 successfully. (Note: the customer was never charged $19.95.)

  
  All of these details, including trial length, trial price, the monthly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign up.  
  To create an account, customers must enter his/her first and last name, phone number, email address, credit card number, the three-digit security CVV number on the back of the card, and the billing zip code.  The CVV number and billing zip code provided during the registration were an exact match with what is on file with the cardholder’s issuing bank.  The email address and telephone number used to register the account also match the information provided in the BBB.  The customer also accessed her credit score and viewed other features, so she completed the verification process with TransUnion. We have no access to the customer’s personal or financial information.
  Customers may contact our customer service center during business hours, email us anytime, or online using our “Contact Us” page, to cancel service.  Our customer service center contact number and email can be found on our website.  In addition, our contact number is located next to the transaction on the monthly credit card statement.  Again, the customer did not contact us during the trial period. We record all calls for quality assurance purposes and document all contacts.  We provide customers with a cancellation number and send an email confirming the cancellation immediately. 

  
  On 10/15/2025, the customer contacted us requesting cancellation and a refund. The account was immediately canceled, and the customer was provided with a refund application since the charge was valid.  The customer contacted us again on the same day. Our representative sent a confirmation that the account was canceled and informed her to complete the refund application for consideration.  The customer called in again on the same day, refusing to complete the refund application.  She was transferred to a supervisor.  The supervisor agreed to remove the charge as a one-time courtesy.

  
  Since the customer has already been refunded, we consider this matter closed. Please get in touch with us if you require any further information.
  

  
  

• Initial Complaint

  Date:10/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They didnt notify that it was a membership only based webite or that they were going to charge membership fees

  

  Business Response

  Date: 10/14/2025

  In response to the complaint, our findings show that on 10/04/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com for a Single Credit Protection Plan at $9.94 a week.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged when signing up, we charged the credit card on file for the weekly membership.

  
  In the complaint the customer stated they were not notified that it was a membership or that they were going to be charged membership fees.

  
  All of these details, including trial length, trial price, the weekly membership fee, and cancellation process, are clearly stated on the Signup page, on our Terms of Use page, and in the Welcome Email that is sent out immediately upon sign up.  

  
  In summary, on 10/13/ 2025, the customer’s account was canceled and as a one-time courtesy a refund was issued.  Please let us know if you require further information.

• Initial Complaint

  Date:09/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a loan trying to get my wife and kids bills paid. And when I applied, this company somehow got my information and are saying the company I applied for the loan for has to run a credit score check. But why am I the one get charged for that. And why are they taking it out of my account when I never gave them authorization to do so.
  
  And this company Your score and more has the same address as Choice credit score, whom also took money out my account an hour before/after Your score and more took money from me. But they say they do not know one another, nor have any business or dealings with them. Which I feel is all a scam. Because now they both are saying they have a non refund policy. So they are taking money out of ppl accounts at 3:00am/5:00am while ppl are sleeping. Which isn’t right at all.

  

  Business Response

  Date: 09/25/2025

  In response to the complaint, our findings show that on 06/21/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com for a Single Credit Protection Plan.  The customer did not contact us during the trial period to cancel the membership or after the membership commenced.  As per the membership agreement that the customer acknowledged, we charged the credit card on file for the weekly membership with standard recurring billing starting at the end of the trial period.  Standard recurring billing typically takes place in the early morning hours.   All of these details, including trial length, trial price, the weekly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms of Use page, and in the Welcome Email that is sent out immediately upon sign up.  In order to complete the registration process the customer would have had to click the “I Agree” button and provide personal information.

  
  In the complaint the customer stated, “I was applying for a loan and this company somehow got my information and are saying the company I applied for the loan for has to run a credit score check.”  We work with multiple affiliate partners who require a credit score as part of their application process and direct their customers to our site to obtain their credit score.  

  
  When the customer is directed to our site they must enter their first and last name, phone number, email address, credit card number, the three-digit security CVV number on the back of the card, and their billing zip code.  The CVV number and billing zip code provided during the registration were an exact match with what is on file with the cardholder’s issuing bank.  The email address and telephone number used to register the account match the information provided in the BBB.  The customer also completed the verification process, so they would have had to answer personal questions that only they would have known.  We have no access to the customer’s personal or financial information.

  
  On 09/20/25, the customer called our customer service center to cancel their membership and requested a refund. Our agent explained that our records showed that the customer did sign-up for a Single Credit Protection plan with Yourscoreandmore.com when applying for the loan and explained the benefits of the service.  The agent made a retention offer of a reduced rate and a rewards coupon in an attempt to retain the customer. The customer declined the retention offer and stated they just wanted to cancel and get a refund. The agent immediately canceled the customer’s account and explained the refund policy and application process. 

  
  The customer also stated that in addition to the charges from Yourscoreandmore.com, Choicecreditscore.com was also taking money from their account and the two were the same company as they had the same address. Although the two companies have the same address, our agent for Yourscoreandmore.com would not have had any information about Choicecreditscore.com as the two are independent companies and the agent would not have known information about Choicecreditscore.com.

  
  In summary, the customer can be assured that their account has been canceled and on 9/22/25, as a one-time courtesy a refund was issued for all charges. No further action is needed at this time. Please let us know if you require further information.

  
  

• Initial Complaint

  Date:08/11/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Can't cancel account as cancelation only via phone listed on website but number disconnected and withdrawal from my account continues

  

  Business Response

  Date: 08/13/2025

  In response to the complaint, our findings show that on 07/30/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to ****************.com. The customer did not contact us during the trial period to cancel the membership or after the membership commenced.  As per the membership agreement that the customer acknowledged when signing up, we charged the credit card on file for the weekly membership.  All of these details, including trial length, trial price, the weekly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms of Use page, and in the Welcome Email that is sent out immediately upon sign up.  

  
  It is important to note that the customer completed the verification process and accessed the services.

  
  In the complaint the customer stated that cancellation was only via phone and the phone number listed on the website was disconnected.  We apologize for any inconvenience and are sorry the customer was unable to reach us.  We have tested the support phone number listed on our website and found it to be in good working order.

  
  In addition to contacting our customer service center during business hours, customers may email us anytime or by using our online “Contact Us” page, to cancel their service.  Again, we have no record of the customer attempting to contact us until their email requesting cancellation on 08/11/2025.  All cancellation requests are handled within 24 hours.

  
  In summary, the customer can be assured that their account has been canceled and as a one-time courtesy a refund was issued.  Please let us know if you require further information.

• Initial Complaint

  Date:08/04/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to contact Your Score credit.I talk to a lady a week ago told her to cancel my subscription.She never canceled it.now when you call no one answers

  

  Business Response

  Date: 08/08/2025

  Our findings show that on 07/14/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to ***************e.com.   Our records show that the customer did contact our customer service center on 08/01/2025 to cancel their account.  Unfortunately the agent taking the call did not cancel the account as requested.  The customer can be assured that on 08/04/2025, their account was cancelled, the pending charge voided and a refund issued for the other charges.  We apologize for the inconvenience and are working with the agent to improve the customer’s experience. No further action is required.  Please let us know if you need any further information.

• Initial Complaint

  Date:07/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to cancel the subscription and call the number but it sends me to voice mail. I don’t not want this

  

  Business Response

  Date: 08/04/2025

  Our findings show that on 07/21/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Y***************.com.

  
  The customer stated in the complaint that they had been trying to cancel the subscription but when calling the number provided they were directed to voicemail.  Our records indicate that the customer did attempt to contact us on 07/28/2025, but disconnected the call without leaving a voicemail message. 

  
  We offer our customers multiple options to cancel, they can call our customer service center during business hours, email us anytime or online using our “Contact Us” page. We respond to all voicemail and email messages within 24 hours.

  
  On 07/30/2024, the customer’s account was canceled and as a one-time courtesy a refund was issued.  Please let us know if you require further information.

• Initial Complaint

  Date:07/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A couple days ago I was searching for a way to clean up my subscriptions (delete several) and ran across this company filling info when I came across their $1.00 offer I closed out the website didn't complete it didn't even hit the accept button. Two days later found a charge of $1.00 and the next day a charge of $7.95. Today (sunday) had to call to cancel and they was trying to push this on me instead of listening to my reason. When I told them I was on the BBB site, they stopped talking

  

  Business Response

  Date: 08/01/2025

  In response to the complaint, our findings show that on 07/18/2025, the customer completed the enrollment process for a 7-day $1.00 trial membership to Y**************e.com.   As per the membership agreement that the customer acknowledged, we charged the credit card on file for the weekly membership.  All of these details, including trial length, trial price, the weekly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign up.  

  
  In order to create an account, each member must enter his/her first and last name, phone number, email address, credit card number, the three-digit security CVV number on the back of the card, and their billing zip code.  The CVV number and billing zip code provided during the registration were an exact match with what is on file with the cardholder’s issuing bank.  The address and telephone number used to register the account also match the information provided in the BBB.  We have no access to the customer’s personal or financial information.

  
  In the customer’s complaint, the customer indicated that they had to call to cancel and that the agent was trying to push the service and not listening to them.  We apologize for the agent's actions and want to assure the customer that action is being taken to address the issue.

  
  In summary on 7/27/28,  the customer’s account was canceled and as a one-time courtesy a refund was issued.  No further action is needed at this time. 

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 13th I was tricked by a fraudulent landlord advertising a rental unit that doesn’t exist on the market. They told me I needed to do a credit check from this website. I put in my information before I had realized it was fraud. I would like the $1 refund and for my account to be deleted. They have not gotten back to me on this issue.

  

  Business Response

  Date: 07/15/2025

  Our findings show that on 07/13/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com.   On the same day that the customer signed-up we received 2 cancellation requests via email outside regular business hours. All cancellation requests are handled within 24 hours.  On 07/14/2025, the customer’s account was cancelled and a refund issued per the customer’s request along with a cancellation confirmation email.  No further action is required.  Please let us know if you need any further information.

• Initial Complaint

  Date:06/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied through a few different websites for a personal loan around the end of may. A couple of the sites wouldn’t allow you to complete the loan application without using one of the companies they provide for a credit score. Of course once routed to the site you have to pay $1 for a trial membership to access the score you need to proceed with the loan application. After paying the $1 I immediately went to the page on the companies site to send them a msg because it was after business hours so I couldn’t call. There’s no way for a customer to prove they filled out a msg to the company when you msg them from the website. I’m assuming they do it like this so they can claim the customer never contacted them to cancel. My bank provides everything this company does for free so there’s no
  Way I would pay $34.95 a month for the same thing. I didn’t want to forget about the trial period and get charged so that is why I chose a method that would allow me to notify them immediately that I wanted it cancelled. Not surprisingly they took the $34.95 out of my account anyway and when I call they told me I did not cancel. I have no recourse because of the way they have you message them. I was told if I wanted a refund I would have to fill out paperwork send it in it would be reviewed by their legal team and I should have an answer in around 30 days!!! This is the third company that has done this to me and it’s the exact same thing every time. This should not be legal!! People who are scammed out of their money most definitely shouldn’t have to wait at least a month after they receive fill out send back and have a legal team look over their paperwork. So in actuality it will probably be 2-3 months. I couldn’t make my whole car payment because two of these fraudulent services did this to me in one week. Something has to be done about this

  

  Business Response

  Date: 06/28/2025

  In response to the complaint, our findings indicate that on 5/27/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com. The customer did not contact us during the trial period to cancel the membership. As per the membership agreement that the customer acknowledged, we charged the credit card on file for the monthly membership. 

  
  All of these details, including trial length, trial price, monthly membership fee, and cancellation process, are clearly stated on the signup page, our Terms and Conditions page, and in the welcome email sent immediately upon sign-up.  
  Customers may contact our customer service center during business hours, email us at any time, or use our “Contact Us” page to cancel their service. Our customer service center contact number and email can be found on our website. Additionally, our contact number is listed next to the transaction on the monthly credit card statement. Again, the customer did not contact us during the trial period. We record all calls for quality assurance purposes and document all contacts. We provide customers with a cancellation number and send an email confirming the cancellation immediately.

  
  On 6/21/2025, the customer sent us a cancellation email outside of business hours. The account was canceled promptly the next morning on 6/22/2025. The customer was also sent an email to complete the refund application since the charge was valid. The email clearly stated 10 to 20 days. Typically, a case is resolved within 10 days. On 6/23/2025, the customer contacted us, and the account was refunded.
  Since the charge was valid, the customer has already received a one-time courtesy credit; this case has been closed.
  

  
  

• Initial Complaint

  Date:05/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was misled by this company when I tried to apply for a job with Lowe's, somehow they enter their site in my application and I thought it was part of the process to check my background. I didn't realize it and didn't finish the information with "YOURSCORE&MORE.COM" Now they are charging every week my credit card and I can't access their site to cancel the account. They don't allow me to try when I say I forgot my password. It is just a scam.

  

  Business Response

  Date: 05/22/2025

  In response to the complaint, our findings show that on 05/04/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com.  The customer did not contact us during the trial period to cancel the membership or after the membership commenced.  As per the membership agreement that the customer acknowledged when signing up, we charged the credit card on file for the weekly membership.  All of these details, including trial length, trial price, the weekly membership fee, and cancellation process, are clearly stated on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign up.  

  
  In the complaint the customer stated that they were not able to access the site to cancel and that it would not allow them to update their password.

  
  We provide our customers with multiple options, customers may contact our customer service center during business hours, email us anytime or online using our “Contact Us” page, to cancel their service or request technical support.  Our customer service center contact number and email can be found on our website.  In addition, our contact number is located next to the transaction on their monthly credit card statement.  Again, the customer did not contact us during the trial period or after the membership commenced. We record all calls for quality assurance purposes and document all contacts.  We provide customers with a cancellation number and send an email confirming the cancellation immediately.  

  
  We apologize for any inconvenience, but the customer can be assured that their account has been canceled and as a one-time courtesy a refund was issued.  Please let us know if you require further information.

  Customer Answer

  Date: 06/02/2025

  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23355687, and find that this resolution is satisfactory to me.

  I appreciate your help, thanks to your participation the issue was resolved, i have the account canceled and my money refunded. Thanks again
  
  
  
  Regards,
  
  
  
  L******* *********