Gravity
Hardest finance & credit subscriptions to cancel
Finance & Credit services ranked by how hard they are to cancel — scored 0 to 100 from documented facts using our disclosed methodology.
| # | Service | Grade | Score | Main friction |
|---|---|---|---|---|
| 1 | Identity Guard | D | 69/100 | Retention gauntlet |
| 2 | IdentityIQ | D | 52/100 | Retention gauntlet |
| 3 | Self | C | 43/100 | Contract / fees |
| 4 | LifeLock | C | 37/100 | Refund friction |
| 5 | Spokeo | C | 31/100 | Refund friction |
| 6 | Credit Karma | B | 29/100 | Refund friction |
| 7 | Empower | B | 29/100 | Refund friction |
| 8 | DoNotPay | B | 27/100 | Refund friction |
| 9 | MoneyLion | B | 24/100 | Dark patterns |
| 10 | Copilot Money | B | 23/100 | Refund friction |
| 11 | PrivacyGuard | B | 22/100 | Dark patterns |
| 12 | Rocket Money | B | 22/100 | Dark patterns |
| 13 | TruthFinder | B | 22/100 | Dark patterns |
| 14 | Dave | B | 20/100 | Notice period |
| 15 | Robinhood Gold | B | 18/100 | Contract / fees |
| 16 | PocketGuard | B | 16/100 | Notice period |
| 17 | Albert | A | 14/100 | Dark patterns |
| 18 | QuickBooks Online | A | 14/100 | Refund friction |
| 19 | Acorns | A | 13/100 | Dark patterns |
| 20 | BeenVerified | A | 12/100 | Dark patterns |
| 21 | Cleo | A | 12/100 | Refund friction |
| 22 | Credit Sesame | A | 12/100 | Refund friction |
| 23 | Monarch Money | A | 12/100 | Notice period |
| 24 | YNAB | A | 12/100 | Refund friction |
| 25 | myFICO | A | 11/100 | Refund friction |
| 26 | TurboTax | A | 11/100 | Notice period |
| 27 | Brigit | A | 8/100 | Refund friction |
| 28 | Experian CreditWorks | A | 8/100 | Dark patterns |
| 29 | Hiatus | A | 8/100 | Refund friction |
| 30 | Quicken Simplifi | A | 6/100 | Dark patterns |
| 31 | Stash | A | 0/100 | Low friction overall |