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:07/17/2025

  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.

  Used in a scam for renters application fee and there is no way to cancel membership and is charging $10 per month fee

  

  Business Response

  Date: 07/17/2025

  Our findings show that on 07/09/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com.  We have no record of the customer contacting us during the trial period to cancel the membership or after the membership commenced.  As per the membership agreement that the customer acknowledged, we attempted to charge the credit card on file for the weekly membership.  The attempted charge was declined by the customer’s bank. 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.  It is important to note that the customer completed the verification process and viewed their credit report and last logged into their account on 7/16/25.

  
  We offer our customers multiple options to cancel their subscription, they may contact our customer service center during business hours, email us anytime or online using our “Contact Us” page, to cancel their 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 their monthly credit card statement.  Again, the customer did not contact us to cancel the membership. 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 07/17/2025, the customer’s account was canceled.  No charges were collected.  Please let us know if you require further information.

  
  

• 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:07/07/2025

  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 had to do this when i applied for an apartment .I was told it was a one time charge of $ 1.00 then after I did it i said it was 1.00 monthly fee. Today about a week later my card was charged $39.94.

  

  Business Response

  Date: 07/09/2025

  Our findings show that on 06/29/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com with a monthly fee of $39.94 if not canceled before the end of the trial. In addition, the customer opted for the Additional Identity Protection plan for a $1.00 monthly fee.  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 attempted to charge the credit card on file for the monthly membership.  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.  No funds were collected as the attempted charge was declined.

  
  Customers may contact our customer service center during business hours, email us anytime or online using our “Contact Us” page, to cancel their 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 their 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.  

  
  In summary, on 07/08/2025, the customer’s account was canceled. No further action is needed. Please let us know if you require further information.

• Initial Complaint

  Date:06/16/2025

  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 put our fraudulent adds in job search sites such as indeed and zip recruiter ( multiple ads in have encountered and are removed same day)
  
  They posed as Walmart recruiter asking to for a credit check ( directed specifically to yourscoreandmore.com) in order to go to the next stage of the hiring process
  
  They advertised a $ 1 charge for a single use credit report, and I specifically checked to NOT sign up for reoccurring payments or subscription
  
  Trying to cancel or delete account is deliberately difficult as u must call in, and within certain business hours, and within those hours u cannot reach anyone
  
  So even canceling the subscription after being charged for a month ( that I didn't ask for) theres no way to end subscription

  

  Business Response

  Date: 06/23/2025

  Firstly, we would like to thank the customer for bringing this to our attention. We have researched the customer’s account history and the advertisement involved. Our research showed the advertisement involved was published by a third-party affiliate marketer, not directly by our company. We do not allow the type of advertisement that was shown to the customer. As a result, the affiliate violated our marketing policy. Due to this, we have now permanently terminated our relationship with the marketing affiliate. These advertisements have stopped as a result. The affiliate website is no longer linked to our services.

  
  

  Secondly, the customer claimed that we are difficult to contact. The customer called on June 16, 2025, and waited 17 seconds before disconnecting the call. He again reached out to us on the same day and waited 2.5 minutes before speaking with a representative. The customer talked to the customer service agent for 3.7 minutes. The agent canceled the service promptly and apologized for the inconvenience. 

  
  

  We make it very easy for our customers to reach us. Customers may contact our customer service center during our business hours. They may also reach us via our “Contact Us” form on our website or email us. All of this information is provided in the Welcome Email that is sent immediately upon registering for our service.

  
  

  Thirdly, the customer states that he specifically checked not to sign up for recurring services. There is no such option on our website. Customers MUST acknowledge the terms and conditions to participate in the $1 trial, which includes accessing your credit report. The terms and conditions specifically state that after the trial concludes, the customer will be enrolled in a membership. Note: the customer acknowledged the terms and conditions and accessed his credit score and credit report.

  
  

  We have refunded the membership fee. We again apologize for the inconvenience.

  
  

• Initial Complaint

  Date:06/06/2025

  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.

  Money debited from my account for 29.94
  I did not sign up for this account

  

  Business Response

  Date: 06/07/2025

  Thank you for the opportunity to address the complaint raised by our customer.  The customer enrolled in a 7-day $1 trial offer on May 8, 2025. AFter the trial period ended, we attempted to charge the monthly membership fee.  The credti card the customer put on file was declined several times.  The customer was never charged the $39.94 as alleged in the complaint.  The customer’s credit card bank will be able to confirm this.
  We require each member to check a box stating that he/she has read and agreed to the terms of use and pricing information before registering the account.  We require all members to provide their full name, home address, and complete credit card information, including the CVV (the three-digit number located on the back of the card). The bank authorized the payments since the information provided matched the records on file.  After registering the account, we sent a Welcome Letter immediately to the email address provided.  We have no access to the customer’s personal or financial information. 
  The account has been closed and the email addressed has been banned from further use.  
  Please let us know if you require any further information.
  
  

• 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******* *********
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:03/17/2025

  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 charged an amount of 34.95 twice for a subscription I did not order and also have not received any benefits from. I informed the business that this had been a mistake and they asked if I had signed up with different information. (Fraud)? I was informed that I should contact the place of business and my account holders for the bank statement/ with correct info. I sent them my statement and asked for their prompt reply which I never received back.

  

  Business Response

  Date: 03/18/2025

  In response to the complaint filed on 03/16/2025, we are not able to locate an account for this customer using the name, phone number and email address provided in the BBB complaint.  We have no record of the customer speaking to a representative for Yourscoreandmore.com, as we record all calls for quality assurance purposes and document all contacts.  In addition, Yourscoreandmore.com does not have a membership fee of $34.95.

  
  We believe the customer’s account is with another company, but if there is a possibility that the account was created in a different name, phone number or email address, would the customer please provide any additional information they may have that would assist us in locating an account.
  

  Please let us know if you require further information.

  
  

  Customer Answer

  Date: 03/20/2025

  
  
  
  
  Complaint: 23073305
  
  
  
  I am rejecting this response because:
  
  I have proof that this business withdrew money from my account 

  
  
  Regards,
  
  
  
  A***** *********
  
  I have a statement showing the withdrawal from my account 

  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

  

  Business Response

  Date: 03/24/2025

  On 03/24/2025, our representative spoke with the customer and was able to locate an account that had been set up by a friend with his/her name and email address using the customer’s credit card without her knowledge.  The account has been canceled and all charges refunded. 

  
  The customer acknowledged it was a misunderstanding and was satisfied with the resolution.

  Customer Answer

  Date: 03/24/2025

  
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23073305, and find that this resolution is satisfactory to me.

  I would like to give my appreciation to Ethan. Who had took his time more than once to get to the bottom of the complaint. And he had resolved the matter. Also refunded the transaction just out of courtesy. Come to finding it was another source who had made the mistake. Thank you for everyone's time and effort .
  
  
  
  Regards,
  
  
  
  A***** *********
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:03/03/2025

  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 was charged by a company called “Your Score and More”. First, I’ve never heard of this company in my life. I did not sign up for whatever service they are. They charged my card without authorization. I have not idea how they got my information. I’ve reported to my banking institution. I tried to report this directly to the company, and make sure anything that needed to be cancelled was. They proceeded to tell me I had to pay them a fee of $19.95 to cancel something I didn’t sign up for because they were using their valuable time to help me out. I’m sorry but are they serious?! This is not fraud, but also predatory behavior. Please take care of this. P. S There were 2 transactions dated:
  
  2/6/25 - 9:23
  " 5G+ C4)
  Venmo debit purchase details
  NAT*YOURSCOREANDMORE
  - $1.00
  Status
  Complete
  Payment method
  V Venmo balance
  Transaction details
  February 06, 2025, 7:52 AM - & Private
  THOUSAND OAKS, CA
  Type of transaction
  Purchase
  Transaction ID
  4******************
  
  3/1/25 for $29.94.- YOURSCOREANDMORE • $29.94 -Transaction ID: 4*********839855186
  Saturday, March 1 at 01:54AM PST

  

  Business Response

  Date: 03/05/2025

  In response to the complaint, our findings show that on 02/05/2025, 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, we attempted to charge the credit card on file for the monthly membership.  The card was declined for insufficient funds.

  
  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.  

  
  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 email 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.

  
  Customers may contact our customer service center during business hours, email us anytime or online using our “Contact Us” page, to cancel their 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 her 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.  

  
  In the customer’s complaint, the customer stated they tried to report this directly to the company, and make sure anything that needed to be cancelled was. They proceeded to tell her she had to pay them a fee of $19.95 to cancel.  The customer did not speak to one of our agents, as Yourscoreandmore.com provides all cancellations at no charge.  At the end of the trial period the customer is billed for the monthly subscription if they did not cancel during the trial and standard retry billing occurs. No other charges were collected.

  
  In summary upon receipt of the BBB complaint on 03/03/2025,  the customer’s account was canceled and as a one-time courtesy a refund was issued for the trial fee.  No further action is needed at this time.

• Initial Complaint

  Date:02/10/2025

  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 saw a charge I did not recognize January 24th $ 7.94 on my January monthly bank statement from Yourscoreandmore.com . After reviewing my statement I found a $1.00 charge from Yourscoreand more on January. Then I checked February 3rd and February 10th for $7.94 each for a total of $24.82.
  
  I spoke to a YourScoreandmore customer representative that informed me after I stated I did not autorize any payments or services from them and I have not even heard of this company. The rep informs me of a ni refund policy right off the bat and informs me that the 1 weeks trial membership started on January 15th and was started from my wife's phone number 618 522-3169 which has been changed in January. The rep asked if she had applied for any online loans and that could help potentially triggered a membership.
  
  We have applied for a loan through our Credit union for our wedding, which was January 17th, 2025.
  I find it very suspicious that a supposed credit monitoring company would have bi-weekly payments that I never authorized nor need (I have Credit Wise through Capitol One), have no refund policy, and does not state in the invoice through my bank that it is a recurring charge, that it is not from my phone number.

  Customer Answer

  Date: 02/13/2025

  I received s full refund!

• Initial Complaint

  Date:02/07/2025

  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 2/6/2025 I signed up for a free trial, with the knowledge my card would be charged a refundable $1 charge. My card was charged $1 but was additionally charged the $9.94 subscription cost on the same day I signed up for the free trial. The website states that a dollar will be charged and refunded and that if the user does nothing to change the subscription, they will be charged 7 days later. However, I was charged both the refundable $1 AND the full $9.94 on the same day while setting up the free trial. I feel scammed by this website/company and have seen similar dubious charges happening to other customers.

  

  Business Response

  Date: 02/13/2025

  Our findings show that on 02/06/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com. 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 he/she signed up for a trial offer, with the knowledge his/her card would be charged a refundable $1.00. The customer also mentioned that in addition to the $1.00 trial fee, he/she was charged the weekly membership fee of $9.94.

  
  The customer was charged a $1.00 trial fee, however, we did not charge the customer a weekly membership fee of $9.94.  The pending charge of $9.94 was a preauthorization.  The preauthorization confirms if the credit card has access to the funds necessary for the weekly subscription fee.  The pending authorization will not be posted to the account and will be removed by the bank.

  
  On the same day of enrollment, the customer emailed us a request to cancel the account.  Our representative canceled the account and sent a cancellation confirmation.  The next day, the customer sent a request for a refund of the $1.00 trial fee and the weekly membership fee.  Our representative refunded the $1.00 trial membership fee. Note: The preauthorization is not a charge and, therefore, can not be refunded.  The preauthorization will be automatically removed by the bank and will never be debited to the account.

  
  Since the account has been canceled and the $1 trial fee refunded, the matter has been closed.  We apologize for any inconvenience.  Please let us know if we can be of further assistance.