Is "WMCS" fraud?

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

Published

December 7, 2025

Updated

December 10, 2025

What is "WMCS"?

Watch My Credit Score offers services to help you keep track of your credit score and understand how it impacts your financial health. They provide subscription options that let you monitor your score regularly, ensuring you're aware of any changes or potential issues. If you see a charge from them, it's likely for one of their credit monitoring services that you signed up for.

WMCS: The merchant name or company identifier, usually representing the business you are purchasing from.

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 Services: Users often sign up for free trials that automatically convert to paid subscriptions if not canceled in time.
Account Upgrades: Some customers may accidentally choose premium features or services that come with additional fees.
Multiple Accounts: Users might have multiple accounts or email addresses, leading to confusion and unexpected charges.
Family Plans: Charges might occur when users enroll in family plans or group subscriptions but do not realize they are being billed for all members.
Educational Resources: Charges may apply for courses or educational materials that are mistakenly purchased during the sign-up process.
Inactivity Fees: Some users report charges due to inactivity on their accounts, which they were unaware could incur fees.
Service Fees: Fees for additional services, like credit monitoring or identity theft protection, not explicitly stated in initial pricing.
Promotional Offers: Some users mistakenly sign up for promotional offers that require a payment method, leading to charges when promotions end.
Accidental Transactions: Users sometimes report accidentally clicking on purchase links or ads, leading to unexpected charges.

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 WATCH MY CREDIT WMC CHARGE WMCS SUBSCRIPTION CREDIT SCORE WATCH WM CREDIT SCORE WATCHMYCREDIT.COM WMCS PAYMENT WMCS BILLING WMC RECURRING FEE

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.