Is "WMCS SUBSCRIPTION" fraud?

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

Published

December 7, 2025

Updated

December 10, 2025

What is "WMCS SUBSCRIPTION"?

Watch My Credit Score offers tools to help you monitor and understand your credit score. They provide subscriptions that give you access to credit monitoring, updates, and tips to improve your score. If you see a billing from them, it’s likely for one of their monthly services that help you keep an eye on your credit health.

WMCS: The merchant name or service provider offering the subscription.
SUBSCRIPTION: Indicates that this transaction is for a recurring payment for a service or membership.

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: Many users report that after signing up for a credit monitoring service, they were automatically enrolled in a subscription model that incurs monthly fees.
Free trial ending: Some customers mentioned that they were charged after an initial free trial period concluded without cancellation.
Additional services: Charges for extra features such as identity theft protection or advanced credit reports can be tacked on if users agree to additional services without realizing it.
Account renewal: Users have commented on being charged for renewing accounts that they believed they had canceled.
Misunderstanding terms: Some customers experienced confusion regarding the terms and conditions, leading them to assume they wouldn't be charged when they actually would be.
Credit report requests: Charges may occur if users request multiple detailed credit reports or analyses that fall outside the free limits.
Promotions and upsells: Various promotions can lead to charges if users inadvertently opt into a higher tier of service during the signup process.

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://www.watchmycreditscore.com/contact

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

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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.