Is "WM CREDIT SCORE" fraud?

The Guide to Understanding Why You Were Charged By “WM CREDIT SCORE” and What To Do About It (watchmycreditscore.com)

Published

December 7, 2025

Updated

December 21, 2025

What is "WM CREDIT SCORE"?

Watch My Credit Score helps you keep track of your credit score and offers tools to improve it. They provide subscriptions that give you regular updates and alerts about your credit, so you can stay informed and take action if needed. If you see a charge from them, it's probably for one of those helpful services that help you manage and protect your credit.

WM: This usually refers to the merchant or company name, in this case, 'WM' could indicate a retailer like Walmart.
CREDIT: Indicates that this transaction is a credit transaction, meaning you received a credit or refund instead of making a purchase.
SCORE: Refers to a credit score, typically related to your financial history and creditworthiness, possibly suggesting that this transaction was related to a service involving your credit score.

Verify With Receipt

The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which Chargeback can help you find by searching your email accounts.

Chargeback helps you identify unwanted subscriptions and charges, and help you fight them to get your money back.

Why do people get charges like this from Watch My Credit Score?

Subscription Fees: Many users report being unknowingly signed up for subscription plans which come with a monthly fee.
Trial Period Charges: Some customers mention being charged after a free trial ended, often without adequate notification.
Credit Report Services: Users have indicated charges for accessing their credit reports or scores that they believed were free.
Additional Services: Charges may occur for optional add-on services that users didn’t realize they agreed to at sign-up.
Account Management Fees: Some complaints include unexpected fees for managing or maintaining their account.
Failure to Cancel: There are reports of charges occurring due to failure to properly cancel a subscription, as customers believed they had done so.
Overdraft/NSF Fees: Users have noted that charges from Watch My Credit Score may lead to overdraft fees if their bank account balance was low.
Billing Errors: A few customers experienced unintended charges due to billing errors or duplicate transactions.

If I see this charge, what should I do?

if you see this charge and aren’t expecting it, you have various options.

First, try to contact the watchmycreditscore.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the watchmycreditscore.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with watchmycreditscore.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Watch My Credit Score Customer Service Info

If you need assistance, here's how you can get in touch with Watch My Credit Score's support team.

Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

Phone

The phone is not available.

support@watchmycreditscore.com

Site

https://watchmycreditscore.com/contact-us/

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What other ways do charges from Watch My Credit Score show up?

WATCHMYCREDIT WMCS SUBSCRIPTION WM CREDIT SCORE WATCH MY SCORE WMCS FEE WATCHMYCREDIT-ONLINE WATCH CREDIT WATCHMYCREDIT-SERVICE WATCH MY SCORE FEE WMCS PAYMENT

The Easiest Way to Cancel Watch My Credit Score

If you're frustrated trying to cancel your subscription, membership, or bill from Watch My Credit Score—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we'll take care of the rest.