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Business Profile

Credit Reporting Agencies

YourScoreAndMore.com

Complaints

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

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    Customer Complaints Summary

    • 78 total complaints in the last 3 years.
    • 30 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/22/2023

      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 5/22/2023 I noticed a pending charge on my debit card from Yourcreditscoreandmore.com. I had applied for a loan recently so I am assuming it stems from that, however, after searching my email there are no emails confirming I signed up for this service. I don't appear to have an account on their webpage by using my email I use for everything to "reset the password". There is no $1.00 trial charge - only two charges for $9.94. One on May16, 2023 and one pending for today, 5/22/2023. I recorded a call I had with someone at ###-###-####, which is the number lists on THIS BBB webpage to contact them. The person I attempted to speak with started saying he found my account for rental property, gave me the last four of someone's credit card, but not mine - a billing address in another state and then started offering me discounts and telling me I would be getting emails, which I never got. When he asked if I understood, I said no, not at all. I eventually hung up on him.

      This company sends no confirmation email for a signup, no text, no anything which leads me to believe they are completely a SCAM. I plan to take them to small claims court, not matter the resolution to this. They need to be investigated by the Attorney Generals of any states they "do business" in.

      I attached the charges from my bank, the very strange recording of the phone call and the screen shot of the number I called from my desk phone.

      I also tried to call the number from the companies website, ###-###-#### and got the same recording as the number from the BBB website contact number. I waited on hold for over 5 minutes and the call was disconnected - I have a recording from this call, as well.

      Business Response

      Date: 05/25/2023

      In response to the complaint, our findings show that on 5/8/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com - the ultimate resource for obtaining your credit score and protecting your online identity.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, he was charged a subscription fee of  $9.94.  All of these details, including trial length, trial price, and the membership fee, can be found on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon signup.


      In order for us to bill the credit card, the customer’s card issuer approved the billing zip code and address/AVS entered by the customer.  We also require customers to enter a credit card CVV number to finalize the transaction.  The customer also accessed his credit score, so he would have had to answer personal questions from public records that only he would have known.  In addition, the email address and telephone number listed on the BBB complaints match our records on file.   We have no way of knowing any of this information without the customer providing.


      We agree that our representative handled the call poorly.  We apologize for the representative’s behavior.  We can assure you that this will be appropriately addressed.  Although we believe these charges are valid, we have refunded the subscription fees totaling $19.88.  Note: the $1 trial fee was declined due to insufficient funds.  As a courtesy, we waived the $1 trial fee so the customer could obtain his credit score.


      Please let us know if we can be of further assistance.


      Customer Answer

      Date: 05/25/2023





      I am rejecting this response because:  While I appreciate the refund, I am not satisfied with the explanation.  I am an IT engineer and this seems like fraud.  All of the BBB complaints say the same thing.  That this was not authorized.  I applied for a loan and entered my debit card info for potential payments.  Please advise what website redirected me to this website yourscoreandmore.com.  It seems they are getting the debit card info from another site or a redirect that seems the same as the original webpage that redirected to the businesses webpage.



      Regards,



      R**** *****


























































      Business Response

      Date: 05/25/2023

      We do not get any information from any companies. In order to subscribe to our service, the customer has to complete the registration and provide all necessary information. In addition, the customer accessed his credit report through Transunion which requires a separate verification process. The customer must provide answer to personal financial questions that only he would know. Transunion verifies information and then approves for us to share credit report.  Neither the referring site or our company has this information.  

      Our company has been in business for over 17 years. We have helped thousands of customers by providing them with financial information and protecting their identity.  We are A+ rated by the BBB. 

      Customer Answer

      Date: 05/26/2023





      I am rejecting this response because:  I viewed my internet history for all of may and never visitors this site until after I was notified by f these charges.  There is not a need to reply.  If you can’t provide the wi site addresses where this transaction was done then it seems like you are hiding something.  I’ll turn the info over to the Texas AG’s office and let them sort this out.  

      I dont understand how a business with this many complaints saying the same exact thing can have an A+ rating with the BBB.  After researching I see that if the business backs down and refunds the money the Len they keep their A+ rating.  Seems like just part of the scam.  



      Regards,



      R**** *****


























































    • Initial Complaint

      Date:05/16/2023

      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.
      Yourscoreandme keeps charging my debit card and I have called and told them over and over again I never signed up and don't want a service and to refund me the money they have "stolen" from my bank account. I already have lifelock, why in the world would I want Yourscoreandme. Stop stealing my money.

      Business Response

      Date: 05/25/2023

      n response to the complaint, our findings show that on 3/30/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com.  She also subscribed to additional identity protection for $0.50.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, he was charged a subscription fee.  All of these details, including trial length, trial price, and the membership fee, can be found on the sign-up page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign-up.
      In order for us to bill the credit card, the customer’s card issuer approved the billing zip code and address/AVS entered by the customer.  We also require customers to enter a credit card CVV number to finalize the transaction.  The customer also accessed his credit score and viewed other features, so she would have had to answer personal questions from public records that only she would have known.  The customer clearly logged on and used the account. We would not have access to any of this information without the customer providing it.

      As a one-time courtesy, we refunded her the $2.00 on 5/19/2023. Please let us know if we can be of further assistance.


    • Initial Complaint

      Date:05/15/2023

      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've tried over and over to cancel my subscription but when I call I sit on hold for at least an hr! They keep charging me $9.94 and there's no way to unsubscribe on their website. This is a scam and I need my money!

      Business Response

      Date: 05/17/2023

      Thank you for the opportunity to address the customer's concern.  On 4/29/2023, the customer contacted us and disconnected after ten minutes and 30 seconds.  We apologize that our representatives were servicing the needs of other customers at that time; however, the customer could have scheduled a callback or contacted us again.  In addition, the customer could have canceled using email or our interactive voice response system.  We provide information on how to cancel on our website and Welcome Email.

      Although the charges are valid, we have refunded the customer's three most recent charges.  We consider this matter closed.

      Customer Answer

      Date: 05/17/2023





      I am rejecting this response because: When I read the email it says the ONLY way to unsubscribe is to call the phone number listed for the company. And not one dollar has been refunded to me.



      Regards,



      A**** **********


























































      Business Response

      Date: 05/25/2023

      On 5/16/2023, we refunded the customer the last three charges of $9.94 for a total of $29.82 to the credit card on file.  Please see below where the refund was approved by her bank.

      Txn 5/16/2023 11:23:03 PM: refund $9.94 - accepted ( Reason: 100 | APPROVED)

      Txn 5/16/2023 11:23:03 PM: refund $9.94 - accepted ( Reason: 100 | APPROVED)

      Txn 5/16/2023 11:23:04 PM: refund $9.94 - accepted ( Reason: 100 | APPROVED)

      The customer should contact her bank in regards to the matter. Please let us know if we can be of further assistance.

    • Initial Complaint

      Date:05/08/2023

      Type:Product 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 6-5-2023 my account was charged 39.94 called company told them I hadn't wanted nor was I on there web page nor did I ask for there service. Was told on 6-5-2023 my money would be refunded. Then on 6-6-2023 the money was taken from my account still no refund these people are cummiting fraud and don't care

      Business Response

      Date: 05/17/2023

      In response to the complaint, our findings show that on 3/21/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com - the ultimate resource for obtaining your credit score and protecting your online identity.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, she was charged a subscription fee.  All of these details, including trial length, trial price, and the monthly membership fee can be found on the sign-up page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign-up.

      In order for us to bill the credit card, the customer’s card issuer approved the billing zip code and address/AVS entered by the customer.  We also require customers to enter a credit card CVV number to finalize the transaction.  It is important to note that the IP address from which the customer visited our website has a geo-location consistent with the billing address submitted during registration.  

      In addition, the email address and telephone number listed on the BBB complaints match our records on file.  Lastly, the customer also accessed her credit score and viewed other features, so she would have had to answer personal questions from public records that only she would have known.  The customer clearly logged on and used the account. 

      On 5/5/2023, the customer contacted us and requested a cancellation.  During the call, the customer did not request a refund.  If the customer had requested a refund, we would have offered her a refund application since the charge was valid.  

      Although the charge was valid, we have provided a one-time courtesy refund.  We consider this matter closed.
    • Initial Complaint

      Date:05/05/2023

      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 discovered this company when I was looking to find and improve my credit score. They have not been helpful in anyway. They continue to steal money from my account. There is no way to get in contact with anyone because the customer service number is fake. The website is fake. I will file a lawsuit if my issue is not resolved. I want my account cancelled and money refunded asap.

      Business Response

      Date: 05/06/2023

      In response to the complaint, our findings show that on 3/28/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com - the ultimate resource for obtaining your credit score and protecting your online identity.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, he was charged a subscription fee.  All of these details, including trial length, trial price, and the membership fee, can be found on the sign-up page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign-up.

      For us to bill the credit card, the customer’s card issuer approved the billing zip code and address/AVS entered by the customer.  We also require customers to enter a credit card CVV number to finalize the transaction.  The customer also accessed his credit score and set up alerts, so he would have had to answer personal questions from public records that only he would have known.  The customer clearly logged on and used the account. 

      On 5/5/2023, the customer emailed us from our website requesting cancellation.  Our representative canceled the account promptly and sent a cancellation email.  On the same day, we received the BBB complaint.  In the complaint, the customer stated that our customer service and website are fake.  Our customer service number is fully operational.  In addition, as stated previously, we received an email from the website proving the site is legitimate.

      Although the charges are valid, we have waived the two most recent charges.  Please let us know if we can be of further assistance.
    • Initial Complaint

      Date:04/26/2023

      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.
      This business is definitely a scam. I’ve been charged well above what they say is the monthly rate. They take out $7.94 three times each week. They try to make it impossible to cancel. I can’t log on the website, and when I call the number, it just says there’s a wait time of 2 minutes over and over. I was on the phone over an hour. It’s absolutely deliberate, and I agree the BBB should help take the company out of business. It’s ridiculous. It’s supposed to be a maximum of $40 a month, they charge much more.

      Business Response

      Date: 05/01/2023


      Upon investigation, there was a system issue that allowed the customer to create multiple accounts. This results in duplicate billing. We are working on rectifying the problem. We have canceled all accounts and refunded all charges, including the $1 trial fee. We apologize for the inconvenience.

      Please let us know if you require additional information.

    • Initial Complaint

      Date:04/10/2023

      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 canceled my free trial membership the same day that I started the free trial. Yourscoreandmore has since attempted to bill my credit card 23 times, all which have been declined but have now locked my credit card due to fraudulent activity. When you try to call the phone number they list, ###-###-####, it says "you are not authorized to call this number". When you email their customer service, you do not receive a response. When you submit an inquiry through their website, you do not receive a response. They do not allow you to do anything with your account online as this appears to be a fake website solely attempting to collect credit and debit card information so they can repeatedly charge your card. I have heard other complaints where Yourscoreandmore obtained the new credit card information after people had to cancel their current credit cards due to the consistent fraudulent charge attempts. This site needs to be shut down.

      Business Response

      Date: 04/11/2023

      We searched our database and are unable find any contact from this customer until 4/10/2023.  The customer sent us an email stating that he wishes to discontinue account and to cease charge attempts.  The account was canceled as per the request. Note:  there have been 8 attempts to collect the subscription fee that the customer agreed to pay when accepting the terms and conditions.  All attempts were declined for insufficient funds. 

      We successfully tested our service contact number and email address.  We have not had any reported outages during the period in question.  Since the subscription fee was declined, the account has never been charged and the balance is $0. The account has been closed.

      We will contact this customer to gain information around how he attempted to cancel and contact us for more research.

      Customer Answer

      Date: 04/11/2023





      Complaint: 19917224



      I am rejecting this response because: the service contact phone number does not work and they are unresponsive to emails. There is no way to cancel your subscription unless you write a BBB complaint. After submitting the complaint, they did cancel my subscription.



      Regards,



      C*** *******


























































      Business Response

      Date: 04/16/2023

      We are sorry that the customer had difficulty reaching us.  We have search our phone and email records and are unable to find any communication from the customer. We also successfully tested our email and contact number. 
    • Initial Complaint

      Date:04/10/2023

      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 signed up for 1.00 , I wanted to cancel but didn't receive the name of the company after I paid the 1.00 . My emails have slot of credit scores company's so I started contacting them all . But of course not omg was from your scores d more. It wasn't until i fryer to stop the processing of my card Ii was able to to get their number.they Canceled the account after trying to get me to agree to a 9.50 charge but said no . They sent over a refund application that I can't write on to turn it right back to them ,I have to print and mail back.its just to much.

      Business Response

      Date: 04/16/2023

      In response to the complaint, our findings show that on 3/29/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com - the ultimate resource for obtaining your credit score and protecting your online identity.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, she was charged a subscription fee.  All of these details, including trial length, trial price, and the membership fee, can be found on the sign-up page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign-up.

      The customer stated that she did not receive the name of the company.  The name of the company was displayed throughout the registration process.  The name was also provided in the Welcome email.  In addition, the customer could have contacted her bank for the company's name since she successfully paid the $1 trial fee.  Although the customer did not know the name of our company, she accessed our website and viewed her credit score and credit report.  She also enrolled in credit alert.  She attached a screenshot of an email showing that she received an alert on 3/31/2023 during her trial period.  Our name is prominently displayed.


      On 4/7/2023, the customer contacted us to cancel the account.  The customer also requested a refund of her subscription fee.  Since the charge was valid, our representative asked the customer to complete and return a short refund application.  The refund application may be returned by fax or mail.  The customer agreed but never returned the application.
      Although the charge is in accordance with the terms and conditions that the customer acknowledged, we provided a one-time courtesy refund on 4/7/2023.  Please let us know if you require further assistance.

    • Initial Complaint

      Date:04/07/2023

      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.
      This business has been taking money out of my checking account without permission!! I called them and they will only refund me the last time and now it is going to take 4 days for this refund. It did not take them four days to remove it. And nowhere did I or would I agree for this business to remove any amount from my account every week. They do not offer a service that I want or need. So they actually just stole money from me with no permission on my behalf. How is this legal and why would the BBB allow for businesses to do this to people. If they illegally take money from a million accounts illegally then you are allowing them to steal millions from citizens. If this is a legal scam then I will open a company and make a website to do the same and apparently if you allow this then you can’t do anything to me either. This is awful and the BBB is actually supposed to be on the consumer’s side or is the BBB also making a cut for allowing this business to do this to hard working Americans!!!

      Business Response

      Date: 04/15/2023

      In response to the complaint, our findings show that on 3/22/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com - the ultimate resource for obtaining your credit score and protecting your online identity.  The customer did not contact us during the trial period to cancel the membership.  As per the membership agreement that the customer acknowledged, he was charged a subscription fee.  All of these details, including trial length, trial price, and the membership fee, can be found on the sign-up page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon sign-up.


      In order for us to bill the credit card, the customer’s card issuer approved the billing zip code and address/AVS entered by the customer.  We also require customers to enter a credit card CVV number to finalize the transaction.  The customer also accessed his credit score and viewed other features, so he would have had to answer personal questions from public records that only he would have known.  The customer clearly logged on and used the account. 


      On 4/7/2023, the customer contacted us regarding cancellation and refund.  Our representative canceled the account and credited the most recent charge.  The customer then requested a refund for the previous charge.  Since the charge was valid, we requested the customer to complete a refund application.  Again, we can only know personal or credit card information with the customer providing it.  The customer registered his account and acknowledged the terms and conditions of the trial. 


      The customer’s request was reviewed, and the second charge of $9.94 was credited on 4/8/2023.  Please let us know if we can be of further assistance.


    • Initial Complaint

      Date:02/01/2023

      Type:Customer Service 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.
      Hello. Today on 2/1/2023 my card has been charged for the 4th time. Everytime I try to call the number listed on the website on the accounts section to cancel, I'm on hold for hours. I have to continuously block this merchant through my credit company each month. They do not allow their customers to cancel. This is a fraudulent company and they should be dealt with accordingly. There is no simple way to select an option to cancel on the membership website.

      Business Response

      Date: 02/08/2023

      In response to the complaint, our findings show that on 1/05/2023, the customer successfully enrolled in a 7-day $1.00 trial membership to YourScoreandMore.com - the ultimate resource for obtaining your credit score and protecting your online identity. The customer did not contact us during the trial period to cancel the membership. As per the membership agreement that the customer acknowledged, we attempted to charge the monthly subscription, and the card was declined. All of these details, including trial length, trial price, and the monthly membership fee, can be found on the signup page, on our Terms and Conditions page, and in the Welcome Email that is sent out immediately upon signup. 


      The customer contacted us on 2/1/2023 from the number listed on the account and BBB complaint. However, the customer disconnected the call before speaking to a representative. According to our records, the customer abandoned the call after 3 min and 54 secs. The customer may have contacted us from another telephone number; however, the average wait time for the day was less than 5 minutes.
      In addition to canceling via our customer service center, customers may cancel the account via our website under the contact us link. Furthermore, we provide information on how to cancel on our website and in the Welcome email.


      The customer has only been charged $1 for the trial membership. We have credited the customer the $1. We called the customer and left a message about cancellation and refund. Please have the customer recheck her statements and send us a billing statement showing the four charges.
      Thank you for the opportunity to address the customer’s concern. Please contact us if we can be of further assistance.

      Customer Answer

      Date: 02/08/2023



      I have reviewed the response made by the business in reference to complaint ID 18963462, and find that this resolution is satisfactory to me.




      Regards,



      K******* *****








































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