If you’ve noticed a charge from Standard Scores LLC on your credit card statement and don’t recall authorizing it, you’re not alone. Many consumers encounter unfamiliar billing descriptors that can be confusing. Understanding what this charge represents and how to address it is crucial to protect your finances.
What Is Standard Scores LLC?
Standard Scores LLC is a credit monitoring company that offers services such as monthly 3-bureau credit reports, real-time alerts, and daily credit monitoring for suspicious activity. They provide a free 7-day trial for $1, after which a monthly fee of approximately $24.95 is charged.
The company operates under the website standardscores.com, and their customer support can be reached at (888) 698-7936 or via email at hello@standardscores.com Trustpilot.
Why This Charge Might Appear
Several reasons could explain an unexpected charge from Standard Scores LLC:
- Subscription or Service Fees: If you signed up for their services, even unintentionally, you might be billed after the trial period ends.
- Third-Party Processing: Charges may appear under a different name if processed through a third-party payment processor.
- Mistaken or Duplicate Charges: Errors in billing can lead to unexpected charges.
How to Verify the Standard Scores LLC Charge
To determine the origin of the charge:
- Review Recent Purchases: Check your email for any subscription confirmations or account registrations linked to Standard Scores LLC.
- Ask Family Members or Authorized Users: Inquire if anyone else with access to your account authorized the charge.
- Confirm Third-Party Billing: Some services may use third-party processors, leading to charges under different names.
Steps to Resolve or Dispute the Charge
Step 1: Contact the Merchant
- Verify the Transaction: Reach out to Standard Scores LLC to confirm the charge’s legitimacy.
- Request a Refund: If the charge was unauthorized, ask for a refund.
- Keep Communication Records: Document all interactions for future reference.
Step 2: Contact Your Credit Card Issuer
- Report Unrecognized Charges: Inform your card issuer about the unfamiliar charge.
- Ask About Temporary Holds or Reversals: Inquire if a temporary hold or reversal is possible while the issue is investigated.
- Follow Dispute Procedures: Adhere to your issuer’s process for disputing charges.
Step 3: File a Dispute or Chargeback
- Utilize the Fair Credit Billing Act (FCBA): Under the FCBA, you can dispute unauthorized charges within 60 days of the statement date.
- Follow Your Issuer’s Dispute Process: Provide all necessary documentation and adhere to the timeline specified by your card issuer.
- Track All Communication and Documentation: Keep copies of all correspondence and records related to the dispute.
Tips to Prevent Future Unknown Charges
- Monitor Statements Regularly: Frequently review your credit card statements to catch unauthorized charges early.
- Enable Transaction Alerts: Set up notifications for transactions to stay informed about account activity.
- Use Virtual or Single-Use Cards for Online or Subscription Payments: These can help prevent unauthorized recurring charges.
Consumer Protection Tips
- Keep Receipts and Invoices: Maintain records of all transactions to support any disputes.
- Regularly Review Statements: Consistent monitoring helps identify and address issues promptly.
- Know Your Rights Under U.S. Credit Card Law: Familiarize yourself with consumer protections available to you.
FAQ Section
1. What is Standard Scores LLC on my credit card?
It may represent a subscription, service, or product billed by the company.
2. Could this charge be fraudulent?
Not necessarily — verify receipts and recent transactions first.
3. How do I dispute a Standard Scores LLC charge?
Contact your card issuer and follow the FCBA dispute process.
4. Can I get a refund directly from Standard Scores LLC?
Yes — if the transaction is valid but mistaken, contact the merchant for resolution.
5. How can I prevent future unknown charges?
Monitor statements, enable alerts, and use virtual cards for online payments.
6. Will disputing affect my credit score?
No — disputes themselves do not impact your credit unless a payment is delinquent.
Conclusion
A Standard Scores LLC charge can appear unexpectedly, but U.S. consumers have clear steps to verify, resolve, and dispute unfamiliar transactions. Monitoring statements, contacting your issuer, and knowing your rights under the Fair Credit Billing Act ensures your finances remain protected and gives peace of mind.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.
