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:08/14/2025

  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.

  HELLO MY NAME IS F***** *****. I WAS CHARGED ON 8/9/2025 FOR THE AMOUNT OF $39.94. I HAVE NEVER HAD NOR SIGNED UP FOR ANY SERVICES WITH **************.COM. THEY HAVE NOT REFUNDED THESE MONIES TO MY CARD FOR THIS FRADULENT CHARGE! THANK YOU. YOU CAN CONTACT ME at *************@gmail.com and ###-###-####.

  

  Business Response

  Date: 08/18/2025

  In response to the complaint, our findings show that on 07/06/2025, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com and opted for the Additional Identity 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 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.  

  
  In the complaint the customer stated, “I have never had nor signed up for any services with Yourscoreandmore.com.”

  
  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 match the information provided in the BBB.  The customer also accessed their credit score, credit report and viewed other features, so they would have had to answer personal questions from public records that only they would have known.  We have no access to the customer’s personal or financial information.

  
  On 08/14/2025, the customer sent an email stating that they did not sign-up for Yourscoreandmore.com services and requested an immediate refund.  Our customer support team handles all contact and email requests within 24 hours of receipt.  The customer’s account was promptly canceled on 08/15/2025 and as a one-time courtesy a refund was issued.

  
  No further action is needed at this time. Please let us know if you require further information.

• Initial Complaint

  Date:08/11/2025

  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.

  While filling out a job application for Walmart a page came up to provide a credit report. The yo***********ore. com came up as the credit score provider so I agreed. Rapidly a charge appears on by bank account for $9.99, at the time it seemed free. I Trying to contact them the phone number and support emails don't function. I There is no way to contact them.

  

  Business Response

  Date: 08/13/2025

  In response to the complaint, our findings show that on 05/09/2025, 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 and opted for the Additional Identity Protection for $1.00 a month.  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 the phone number and support email address were not functioning.  We apologize for the inconvenience and are sorry the customer was not able to reach us.  We have tested both the support phone number and email address and have found them both to be in good working order.

  
  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.  Again, we have no record of the customer attempting to contact us during the trial period or after the membership commenced. We record all calls for quality assurance purposes and document all contacts. 

  
  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: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: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:02/03/2025

  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 applied for a loan online and received a call from a man saying he was with a loan company affiliated with your score and more and would be able to complete a payday loan for me. He emailed me the link to your score and more’s website and told me I needed to input my cc information and then snapshot a pic confirming I had done this and email him the pic. I stupidly did as he asked the first time around. (Sidenote: he must be with this company as all but the last 4 of my cc was X’ed out, and yet he still was able to see my full cc information because I’m still dealing with unauthorized charges attempting to be taken out of my account) When he asked me to do it again with another cc I started realizing this company was scamming me and I stopped and told the man I would not be continuing as I was uncomfortable with what he was wanting me to do and I hung up the phone. This man from your score and more proceeded to call me back approximately 5-10 minutes later and when I answered he said verbatim “I never should have wasted my time on you, bi***” since then I have been charged by this company over and over always in the middle of the night and always for an amount of 7.94 and 2.95 and four $1.00 charges on 12/19/24. I want my money back and I want them to stop charging me and I would appreciate it if they spoke with their employees regarding how to speak to people. His name was supposedly K**** and I still have the emails from him if needed.

  

  Business Response

  Date: 02/04/2025

  Thank you for alerting us to Ms. L****’s concerns and giving us the opportunity to investigate.

  
  As we researched this customer's information we found that on 12/19/2024, the customer successfully enrolled in a 7-day $1.00 trial membership to Yourscoreandmore.com for a Single Credit Protection plan and opted for the Additional Identity Protection plan for another $1.00.  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 weekly membership.  The card was declined and no charges were collected. 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.  

  
  We deeply apologize to the customer for the poor business practices of this suspected loan company that is not affiliated or a part of Yourscoreandmore.com. In addition, we do not have an agent of that name in our employ and the type of business practice described is not a process we would endorse or condone in any way. 

  
  We would like to request the customer provide the emails she received from the loan company to aid our investigation into this incident further.

  
  Upon receipt of this complaint on 02/03/2025,  the customer’s account was canceled and refunds issued for the two $1.00 charges. Please let us know if we can be of further assistance.