MyFICO

Initial Business Response / [redacted] (1000, 5, 2015/10/13) */ We regret the difficult experience Mr [redacted] encountered with customer care regarding his Score Watch SubscriptionWe have made contact with Mrs [redacted] through email on 10/05/notifying him, per his request the subscription was scheduled for cancellation at the end of the billing period being 10/20/to allow full advantage of the monthly paid service In addition, after receiving this complaint, the subscription was cancelled immediately on 10/7/per Mr [redacted] request myFICO is committed to the satisfaction of its customers in light of customer feedback with the goal of continually improving our customers' experience, and we will continue to do soWe hope this answers any questions you have regarding this matter If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 8, 2014/03/24) */ We regret the difficulty Mr [redacted] has encounteredUnfortunately with the information provided we were unable to locate an account Please have Mr [redacted] contact me directly so I can further assist with locating the account and resolving this matter [redacted] Customer Care Manager - myFICO XXX-XXX-XXXX [redacted] @fico.com

Initial Business Response / [redacted] (1000, 5, 2015/11/10) */ I write in response to Revdex.com Complaint Case # XXXXXXXX wherein you raise concerns regarding delinquencies in your credit report FICO is a leading provider of analytics and decision-management technologyAmong other things, FICO pioneered the use of algorithmic data analysis (analytics) to evaluate and score consumer credit riskHowever, although FICO develops and licenses a FICO(r) Score algorithm used to score consumer credit information at the credit bureaus, it does not collect, assemble, verify, report, or sell that information for purposes of determining creditworthinessRather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus (such as TransUnion, Experian, and Equifax), who collect, assemble, verify, and control that informationA FICO(r) Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from FICO and operates to credit information collected by the credit bureauAt no point in this process does FICO exercise any ownership or control over any underlying credit information If you have concerns or questions relating to the credit information being reported by a credit bureau, I suggest you direct those questions to the appropriate credit bureau FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) It is my understanding that FICO logarithm is picking up a short sale as a continuing delinquency even though the agree as I understand is the debt was settledThe only option to enter the information in concerning a short sale is to show it delinquentI do not think the short sale should be sn issue at this time and it is the only option for the company to enter the information [redacted] C[redacted] Final Business Response / [redacted] (4000, 9, 2015/11/23) */ As mentioned in my previous response, although FICO develops and licenses a FICO(r) Score algorithm used to score consumer credit information at the credit bureaus, it does not collect, assemble, verify, report, or sell that information for purposes of determining creditworthinessRather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus (such as TransUnion, Experian, and Equifax), who collect, assemble, verify, and control that informationA FICO(r) Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from FICO and operates to credit information collected by the credit bureauAt no point in this process does FICO exercise any ownership or control over any underlying credit information If you have concerns or questions relating to the credit information being reported by a credit bureau, I suggest you direct those questions to the appropriate credit bureau FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

Initial Business Response / [redacted] (1000, 8, 2014/06/18) */ In regards to the inaccurate information reflecting on Ms [redacted] credit reportMs [redacted] has incorrectly directed her inquiry regarding the inaccurate items from her credit reports to FICOInstead, it should be sent to the national consumer reporting agencies: While FICO (Fair Isaac Corporation) developed the FICO(r) credit scoring formulas, it does not determine the content of your credit reportEach of the three national credit bureaus - Equifax, TransUnion and Experian - collect and maintain the information in your credit reportsThey each use that information and our scoring formula to calculate your FICO score It is important to understand that: The information in your credit report determines your FICO score Only your creditors and the credit bureaus can make the changes needed to accurately reflect your credit history If you find information on your credit report that is not accurate or doesn't belong to you, please contact the credit bureau which produced the report Experian Online: www.experian.com/rs/fi4.html Equifax (www.equifax.com) [redacted] XXXXXX [redacted] XXXXX-XXXX X-XXX-XXX-XXXX Phone: X-XXX-XXX-XXXX Mail: TransUnion Disputes [redacted] Place, P.OBOX [redacted] , [redacted] XXXXX Phone: X-XXX-XXX-XXXX [redacted] /> For maildisputes, please be specific regarding your dispute of an account ("not mine", "paid in full", etc.)Include any documentation that may help prove the information that you believe is correctIt is especially helpful to send photocopies of your social security card and driver's license for name updatesIt is also recommended that any request for an address update include a current utility bill in your name or driver's license showing the correct address Fair Isaac Corporation (FICO) developed the FICO credit scoring formula, a proprietary algorithm that is widely used to calculate consumer credit scores at the three U.Sconsumer reporting agencies: Equifax, TransUnion, and ExperianFICO does not collect or maintain credit information, nor do we determine the content or the accuracy of such information Investigations into credit report information accuracy are conducted by the credit reporting agenciesA good way to begin this process is to obtain free credit reports at www.annualcreditreport.com, and to follow the instructions that come with these reports for disputing inaccurate information I hope Ms [redacted] is able to resolve this matter to her satisfactionIf she has any further concerns regarding this matter, she should not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (3000, 10, 2014/06/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) As I have made clear to FICO before, I HAVE contacted the three major credit reporting agencies and they stand by their scores, which are at least points higher than FICO's and they have told me to contact FICO, that it's FICO's error, not theirsI am being tossed back and forth between these companies and I do not appreciate itI will definitely email Ms [redacted] and see if she can shed any light on this vast discrepancy in reporting my scoresIf that does not work, I will notify you of same and continue trying to get this rectified somehow Final Business Response / [redacted] (4000, 12, 2014/06/30) */ Addressed customers complaints, Customer will follow up with myFICO directly if further assistance is needed

Initial Business Response / [redacted] (1000, 8, 2015/09/09) */ We regret the difficult experience Mr [redacted] encountered when he contacted our customer care team regarding a refund for his FICO Identity Ultimate subscriptionI am confirming the subscription was cancelled and that we have provided Mr [redacted] with a refund of the last renewal charge for $that occurred on August 17, The refund should be available within to business days from today September 9, myFICO is committed to the satisfaction of its customers in light of customer feedback with the goal of continually improving our customers' experience, and we will continue to do soWe hope this answers any questions you have regarding this matter If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/09/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) Resolution has been met

Initial Business Response / [redacted] (1000, 7, 2014/11/03) */ In regards to Mr [redacted] 's complaint, we believe FICO plainly and comprehensively discloses both the terms and substance of the product and we disagree with Mr [redacted] 's allegations that FICO has somehow misled consumers After further consideration, the product was cancelled and a full refund of $was applied on 11/03/ We have taken Mr [redacted] 's complaints seriously and forwarded them to our product and marketing teams for considerationWe appreciate his feedback and continuously strive to improve our myFICO products and website to improve the consumer experience If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com

Initial Business Response / [redacted] (1000, 5, 2014/02/11) */ We regret that Mrs [redacted] encountered difficulty when attempting to cancel the Score Watch Free Trial The terms of the free trial offer of Score Watch that included a day free trial period and a month minimum when not canceled within the day free trial periodThese requirements are prominently disclosed in multiple locations within the Score Watch order process - including the myFICO home page As a courtesy, the subscription has been cancelled, so that she will incur no further charges for this productI have also requested a refund in the amount of $to be applied to the credit card on file We also take our customers opinion into consideration and appreciate the feedbackI can assure that I have shared her concerns with the myFICO Marketing team If there are any further questions or concerns regarding this matter, I hope Mrs [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com

Initial Business Response / [redacted] (1000, 5, 2014/11/03) */ We regret the difficult experience Ms [redacted] encountered when she attempted to cancel her Score Watch Subscription After further research, our records indicate Mr [redacted] contacted our customer care department via phone to cancel his wife's subscriptionHe was advised that FICO requires all myFICO account-holders to contact our customer care directly to verify their account information, when they request to make changes to their accounts by telephone in order to prevent fraud or other unauthorized activityAs of today we still have not received a call from Ms [redacted] to cancel her subscriptionWe also received a chargeback from their financial institution contesting the chargesOnce we resolve the outcome of this investigation, depending on the results, we will be glad to refund the charges applied to the accountWe want to prevent double refunds for the productsThe subscription has been cancelled to prevent further charges FICO is committed to the satisfaction of its customers, in addition to complying with all applicable lawsWe frequently review our order and cancellation process in light of customer feedback with the goal of continually improving our customers' online experience, and we will continue to do soWe hope this answers any questions you have regarding this matter If there are any further questions or concerns regarding this matter, I hope Ms [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/11/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) myFICO has indicated they will ensure a refund is provided Final Consumer Response / [redacted] (2000, 16, 2015/11/12) */

Initial Business Response / [redacted] (1000, 5, 2015/11/24) */ We have made contact with Mr [redacted] and have addressed his concerns If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/11/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) We have resolved the issue togetherThank you

Initial Business Response / [redacted] (1000, 8, 2014/10/31) */ We acknowledge receipt of Ms [redacted] complaint with respect to the FICO - Bureau Credit Monitoring, month minimum requirement and the FICO Score being the standard credit score in the US, used in more than 90% of lending decisions We believe FICO plainly and comprehensively disclosed the terms and substance of the product and we disagree with Ms [redacted] allegations that FICO has somehow misled consumers FICO is committed to customer satisfactionIn this particular case, even though Ms [redacted] requested to cancel prior to meeting the month minimum period, as a courtesy, her subscription has been cancelled and a full refund $ has been applied We appreciate her feedback and continuously strive to improve our myFICO products and website to improve the consumer experience If there are any further questions or concerns regarding this matter, I hope Ms [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (2000, 10, 2014/11/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) I was granted a refund

Initial Business Response / [redacted] (1000, 8, 2014/10/22) */ On review of Mr [redacted] 's complaint, FICO does not believe the Georgia law referenced therein applies to this transactionNonetheless, as a gesture of good will and with no admission of fault, FICO will cancel Mr [redacted] 's contract and refund his money As Mr [redacted] notes, Georgia law does provide a three-day "cooling off" period for certain types of consumer transactionsHowever, the statute only applies in limited circumstances; a contract may be cancelled if: It involves the sale, lease or rental of goods or services for personal, family or household use; and It is a written agreement between two or more parties, listing all details of the agreement and signed by all parties; and The commitment totals $or more, including interest, mailing charges and any other charges related to the agreement; and It was entered into at a place that is not the regular place of business of the merchant, such as your home, a consumer product party, a seminar sales program or a hotel room http://consumer.georgia.gov/consumer-topics/canceling-a-contractNotably, the statute does not apply if the contract was "entered into at the merchant's regular place of business," or "made entirely by mail or telephone." Id The breadth of literature relating to this statute suggests that it is intended to protect consumers against invasive "hard sell" tactics initiated by a seller (for example, door-to-door solicitation), not against transactions initiated entirely by a consumerIn fact, FICO is not aware of any authority holding that the statute applies to an online transaction initiated by a consumer on a merchant's primary sales website, as is the case here: Mr [redacted] sought out the myFICO.com website, sought out the product information and order page for the FICO(r) Score Watch product on the myFICO website, and then placed his orderIn other words, Mr [redacted] actively pursued the transaction and myFICO passively accepted his order and provided him with the product he ordered, exactly as described on the product information and purchase pagesAccordingly, FICO does not believe this is the type of transaction contemplated by the Georgia law at issue Nonetheless, FICO acknowledges Mr [redacted] 's complaint and, as a gesture of good will (and without admitting fault or obligation) will cancel his contract and refund his purchase priceWe appreciate consumer feedback and use it to improve our online consumer experience If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com

Initial Business Response / [redacted] (1000, 9, 2014/10/06) */ We acknowledge receipt of Mr [redacted] complaint with respect to the month minimum requirements, we believe FICO plainly and comprehensively disclosed the terms and substance of the product and we disagree with Mr [redacted] allegations that FICO has somehow misled consumers FICO vigorously denies that it has done anything to mislead consumers with respect to the month minimum requirements; we have taken Mr [redacted] complaint seriously and forwarded them to our product and marketing teams for consideration We appreciate his feedback and continuously strive to improve our myFICO products and website to improve the consumer experienceWe have also set a future cancellation date for November 13, to ensure Mr [redacted] does not further charges Initial Consumer Rebuttal / [redacted] (3000, 11, 2014/10/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) All I wanted was a cancellation from the companyThe compromise from the company is requiring me to instead of do days, do days? LudicrousI asked to cancel the service minutes after I received itFor minutes this company wants days of commitmentThe webpage is misleading due to basic html codingThe fine print is coded as a floating string on the webpage that loads physically after the continue buttonWhat that means to the average consumer is they see the button that says continue/finalize the transaction before they see any fine print loadIn my case the continue button loaded which I clicked then the fine print loaded post clicking continue and realizing my mistake contacted the companyOnly for them to in layman's terms tell me "tough luck sir you have to do this for days"That's a terrible way of doing business

Thank you for your correspondenceWe are taking this opportunity to respond to the inquiry made by [redacted] concerning her MyFico service[redacted] is not a member in our system and her complaint appears to be directed to MyFico which is a company that is not connected to our organizationOur company, [redacted] Inc is not related to MyFico and we have no ability to take actions on [redacted] ***'s complaintWe suggest that [redacted] contact MyFico directly to address her concerns.If [redacted] has any questions or needs further assistance she can contact our customer service department at ###-###-####Our hours of operation are from 8AM Est-11PM Monday-Friday and 9AM-5PM on Saturday's.As always, we strive to provide the highest level of security and service to all of our customers and potential customers.Sincerely,Aisha M***

Thank you for your correspondenceWe are taking this opportunity to respond to the inquiry made by --Christopher M [redacted] regarding his MyFico acount.MyFico is not a service that is offered or managed by our company, [redacted] ***Due to this complaint being made for a service that is not associated with our company, we respectfully request that this complaint be removed from our file.As always, we strive to provide the highest level of security and service to all of our customersIf [redacted] should need any further assistance, we can be reached at ###-###-####Thank you for the opportunity to be of service.Sincerely,

Initial Business Response / [redacted] (1000, 10, 2015/04/23) */ I write in response to Mr [redacted] letter to Revdex.com, Incalleging myFICO is refusing to assist with determining why his score dropped pointsBecause the credit score was not obtained directly from myFICO, our customer care support team is not able to access and determine what caused the drop in his scoreIn regards to the drop in points to his score, Mr [redacted] has incorrectly directed his inquiry to FICOInstead, it should be sent to the national consumer reporting agencies Although FICO develops and licenses a FICO(r) Score algorithm used to score consumer credit information at the credit bureaus, it does not collect, assemble, verify, report, or sell that information for purposes of determining creditworthinessRather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus (such as TransUnion, Experian, and Equifax), who collect, assemble, verify, and control that informationA FICO(r) Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from FICO and operates to credit information collected by the credit bureauAt no point in this process does FICO exercise any ownership or control over (and therefore it has no ability to verify, alter or update) any underlying credit informationIf you have concerns or questions relating to the credit information being reported by a credit bureau or the lender, we suggest you direct those questions to the appropriate credit bureau Mr [redacted] states that he was directed to myFICO.com to obtain his credit reports and determine what has impacted his credit score to drop pointsThis is a great start in determining what has caused the changeIn addition I have provided a link with detailed information on how a credit score is calculated: www.myfico.com/crediteducation/whatsinyourscore.aspxHe can also order a report from annualcreditreport.com for free If there are any further questions or concerns regarding this matter, I hope Mr [redacted] not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/04/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) Ms [redacted] is incorrect claiming I stated that my complaint was about myFICO refusing to assist meMy complaint was filed against the Fair Isaac Corporation, not myFICOMy understanding of myFICO is that they are a consumer profit arm of Fair Isaac, which provides credit monitoring and other consumer servicesThis is different from where my complaint stemsI was never a customer of myFICOI was a recipient of a FICO (Fair Isaac Corporation) credit scoreMyFICO did not produce my score, does not control the algorithm (according to the person I spoke with on the phon), does not have my data from the credit bureaus, and was not involved when the issue occurredIf Ms [redacted] is not an authorized representative of Fair Isaac, I insist this issue to be transferred to someone who is Ms [redacted] is also incorrect in suggesting I contact the credit bureaus to learn about my credit scoreThe credit bureaus do not produce the score and do not control the scoring algorithmShe is correct in stating that Fair Isaac does not have the credit dataFair Isaac has created an environment where neither institution can provide the recipient of a credit score with the necessary informationCooperation from both is necessary The credit bureaus have cooperatedAll three primary credit bureaus have provided their data, free of chargeIf the Fair Isaac Corporation, not myFICO, is also willing to cooperate, I [redacted] provide them with the data I have received from the credit bureaus, so they can disclose how the rating is arrived at Final Business Response / [redacted] (4000, 16, 2015/05/20) */ No further comments to add from myFICO Final Consumer Response / [redacted] (4200, 18, 2015/05/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I'm asked if I accept the business' proposed resolutionThe business' proposed resolution was "No further comments" That is not a proposed resolution, therefore I cannot accept itI had proposed a meaningful resolution that has already received cooperation form the credit bureausFair Isaac has yet to acknowledge my proposal

Initial Business Response / [redacted] (1000, 10, 2015/02/24) */ In regards to Mrs [redacted] 's complaint, we believe FICO plainly and comprehensively discloses both the terms and substance of the product and we disagree with Mrs [redacted] 's allegations that FICO has somehow misled consumers After further consideration, we have a applied a full refund of $was applied on 02/22/ We have taken Mrs [redacted] complaints seriously and forwarded them to our product and marketing teams for considerationWe appreciate her feedback and continuously strive to improve our myFICO products and website to improve the consumer experience If there are any further questions or concerns regarding this matter, I hope Mrs [redacted] 's will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com

Initial Business Response / [redacted] (1000, 5, 2014/02/24) */ We regret the difficulty experienced Mr [redacted] encountered when he attempted to cancel his Score Watch SubscriptionAfter further research, our records indicate Mr [redacted] did not make contact with customer service by phone or email to cancel his subscription FICO is committed to customer satisfactionIn this particular case, even though Mr [redacted] requested to cancel beyond the time he stated, as a courtesy, I have applied a credit for $on 2/22/and can assure him that the subscription was cancelled to prevent further charges I have also addressed my concern over this incident with our customer service manager, who has assured me steps will be taken to avoid similar incidents in the future If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com Final Consumer Response / [redacted] (3000, 7, 2014/02/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) On Saturday 2/22/around 12:Eastern, I spoke with a representative regarding my reimbursementI was originally told that I would hear back personally from the manager within business daysWhen that did not happen I called to see what my status wasThe representative said that she had received confirmation the day before I called (Friday 2/21/14) that I would receive a refundI asked if it was for the full amount and she said that it wasI then requested to receive an email stating that I was to receive the full amount which comes to $328.90, but when I checked this email it was only for monthsI was told by that representative that I would hear back in an email within business day and that has not happenedI feel like only receiving back a fraction of the amount is equivalent to them stealing close to $from me and that I was given informationI am again requesting a full refund and I trust that I will receive that since I was told on the phone by that representative that I would indeed receive a full refundThank you for your help in this matter and I eagerly await your response as well as the response from the company Final Business Response / [redacted] (4000, 9, 2014/03/11) */ We are currently working with Mr [redacted] to assist with providing with a manual refudnMrI have made contact with Mr [redacted] and is aware our actions and decisions made to his account Consumer Response / [redacted] (3000, 16, 2014/04/04) */ They told me that I would be receiving a paper check refund and I have yet to receive any refund at allThey were in contact with me, but I haven't heard from them in almost a monthI do not consider this matter to be closed, and I am anxiously awaiting the refund that they promised me Thank you for your help Business Response / [redacted] (1000, 20, 2014/04/23) */ Mr [redacted] has confirmed he received a refund for the amount of $The remainder of the refund was processed at an earlier date and is currently under research Consumer Response / [redacted] (2000, 22, 2014/04/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) [redacted] worked very hard to make sure that I was happy, and I am now leaving with a positive outlook toward MyFico.comAt first I felt like I was being taken advantage of, and she showed that she cared that I was completely satisfied and left me feeling much better than I was just a few months ago

Initial Business Response / [redacted] (1000, 5, 2014/03/25) */ We regret the difficulty experienced Mr [redacted] has encountered when he attempted to obtain his FICO Score and credit reportsAfter further research it was determined Mr [redacted] has created two accounts with different user names and different SSNRest assures that we have taken the appropriate actions to ensure only one account remains active with the correct informationIn addition the reports that were ordered under the account with the incorrect social security number, these reports were not delivered and the charges were cancelled and returned back to the merchantWe've also noticed Mr [redacted] has successfully placed orders under the correct account and all three reports were delivered and viewed by Mr*** We feel confident this issue has been resolved to ensure Mr [redacted] can continue using our products and services with no issuesShould there be any further concerns regarding this matter, I would encourage Mr [redacted] to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com

Initial Business Response / [redacted] (1000, 5, 2014/04/01) */ We regret the difficulty experienced Mr [redacted] encountered when he attempted to cancel his Score Watch SubscriptionAfter further research, our records indicate Mr [redacted] contacted our customer service department on 3/24/to cancel his subscriptionThis subscription currently reflects cancelled We also take our customers opinion into consideration and appreciate the feedbackI can assure him I have shared his concerns with the MyFICO Marketing Team If there are any further questions or concerns regarding this matter, I hope Mr [redacted] will not hesitate to contact me directly [redacted] Customer Care Manager - myFICO [redacted] @fico.com