MyFICO

Initial Business Response /* (1000, 5, 2014/11/03) */
We regret the difficult experience Ms*** encountered when she attempted to cancel her Score Watch Subscription
After further research, our records indicate Ms*** contacted our customer care department on 10/27/to cancel
her subscriptionThe subscription reflects cancelled and the last payment has been refunded
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*** will not hesitate to contact me directly
*** ***
Customer Care Manager - myFICO
***@fico.com

Initial Business Response /* (1000, 8, 2014/12/03) */
We regret the difficult experience Mr*** encountered when he attempted to cancel his FICO 3-Bureau Credit Monitoring productMrSweeny contacted our customer care department on 11/08/to cancel his subscriptionThe
subscription reflects cancelled and the last payment has been refunded
FICO is committed to the satisfaction of its customersWe 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 Mr*** will not hesitate to contact me directly
*** ***
Customer Care Manager - myFICO
***@fico.com
Initial Consumer Rebuttal /* (2000, 10, 2014/12/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 8, 2015/06/23) */
We regret the difficult experience Mr*** encountered when he attempted to request a refund for his FICO(r) 3-Bureau Credit Monitoring
We have taken Mr***'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 experienceIn addition a full refund has been applied to the account, the first refund was applied on June 9, for the amount of $and a second refund applied on June 23, for the amount of $
If there are any further questions or concerns regarding this matter, I hope Mr*** will not hesitate to contact me directly
*** ***
Customer Care Manager - myFICO
***@fico.com

Initial Business Response /* (1000, 12, 2014/08/04) */
Contacted customer and resolved the concern

Initial Business Response /* (1000, 9, 2015/04/09) */
We regret the difficult experience Ms*** encountered when he contacted myFICO customer care and requested a review of his fileMr*** was provided with a link on how to pull his reports through myFICO based on his specific
needsInvestigations 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
Mr*** is in question of the reports we provide, FICO is not a consumer reporting agency subject to the Fair Credit Reporting Act ("FCRA")Rather, 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 (and therefore it has no ability to verify, alter or update) any underlying credit information
Accordingly, although FICO's technology is used to generate FICO(r) Scores, FICO itself is not a credit bureau and does not "regularly engage in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties" as required by the FCRALikewise, because FICO does not collect or assemble consumer credit information or report consumer credit information to third parties it does not and cannot generate its own credit reportsIf you have concerns or questions relating to the credit information being reported by a credit bureau, we suggest you direct those questions to the appropriate credit bureau
I hope Mr*** is able to resolve this matter to his satisfactionIf he has any further concerns regarding this matter, he should not hesitate to contact me directly
*** ***
Customer Care Manager - myFICO
***@fico.com
Initial Consumer Rebuttal /* (3000, 11, 2015/04/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The Fair Isaac Corporation (FICO) by their own admission is taking third party data about my personal information from the credit bureausFICO is taking this information through their "OWN" analytics and decision management through their own algorithms to evaluate the credit risk of millions of United States consumersTherefore the data is collected in order to complete this process and it changes on a regular basis by this process alone there is a histogram of the consumer whose identity is my identityRegardless if this information is cycled on a periodic basis and dumped there is a historical track record within the databases of FICO
For FCIO to state that I need to contact the individual credit bureaus in order to get a copy of the credit bureau reports is passing *** buck and obfuscation as the data that the credit bureaus have is not in question that this timeThe complaint is directly to the Fair Isaac Corporation (FICO) who is processing my data, which has my identity on it, and has used this to provide lenders speculation of the risk that I would present to the lendersIt is this specific information which FICO has and is providing to other companies whom are in the business of selling consumer products such as insurance, loans, and related services that I am demanding a copy of such data in full without redaction
There is no relevance if FICO is a credit bureau or not - IT has information about me which I have demanded multiple times to see in full in order that I may verify such information to where it is correct or it IS NOT CORRECTShould the algorithms be correct based on the data that FICO has extracted from the credit bureaus then this event is concludedThe fact is that FICO is stonewalling the fact that this information is MY INFORMATION AND IF IT PERTAINS TO ME I HAVE A CIVIL RIGHT TO SEE WHAT INFORMATION THERE IS ABOUT ME
This issue is not resolved and nowhere close to being resolved
The response is unacceptable and I am again demanding to see the full file of data which I have no access to by those whom I did not authorize to retain such data
Regards
J***
As they cannot even spell my last name correctly what else are they not able to do correctly?
Final Business Response /* (4000, 15, 2015/05/20) */
no additional action to take from myFICO

Initial Business Response /* (1000, 10, 2015/07/06) */
We regret the difficult experience Mrs*** encountered when she attempted to request a refund for her Score Watch subscriptionWe have made contact with Ms*** and explained the reason for the subscription being cancelled,
explained the process and policy regarding chargebacksIn addition a full refund was applied for the amount paid for the Score Watch subscription
myFICO is committed to the satisfaction of its customers and we hope we have addressed and answered all of her questions she has regarding this matter
If there are any further questions or concerns regarding this matter, I hope Ms*** will not hesitate to contact me directly
*** ***
Customer Care Manager - myFICO
***@fico.com
Initial Consumer Rebuttal /* (3000, 12, 2015/07/09) */
Finally heard from MyFico on 6/but only after I repeatedly called and filed a Revdex.com complaint
On 6/29/15, *** *** said she would process a refund for the remainder of my original charge in the amount of $108.95, which was $minus the $credit adjustment they already processed
It is now 7/3/and it is not even pending as of today in my credit card account!!! I will NOT consider this matter closed to my satisfaction until I get my money back and credited to my credit card account!!!! She did help me activate a new subscription at no cost (they still have my $108.95!!!!) to MyFico and gave me back the reports I had previously purchased and I can see my history
She said that my credit card company sent them a chargeback before *** 8th in the amount of $(I never disputed that amount- I disputed $53, which was the discount+tax they said they could offer me- they credited me only the $on my credit card account)I never disputed that amount ($108.95) with my credit card company and never received a credit to my charge card in that amount eitherIt is almost months since that transaction was supposedly processed by MyFico, obviously it was never processed at all
Again, THIS MATTER WILL NOT BE CLOSED TO MY SATISFACTION UNTIL I RECEIVE THE REMAINDER OF MY INITIAL PAYMENT OF $($158.95-$50) STILL DUE ME AS A CREDIT ON MY CHARGE ACCOUNT!!!!!!!!!!!!!!
I will inform you by email when I receive that amount credited to my account-
THEN AND ONLY THEN, WILL THIS MATTER BE CLOSED TO MY SATISFACTION!!!!!!!!!!!!!!
THIS Revdex.com COMPLAINT WILL REMAIN OPEN UNTIL I RECEIVE MY MONEY BACK $108.95!!!!!!!!!!!!
Thank you,
Final Consumer Response /* (2000, 16, 2015/07/13) */

Initial Business Response /* (1000, 12, 2015/05/20) */
I write in response to Mr. [redacted] letter to Revdex.com, Inc. alleging false advertising regarding FICO(r) Score versions available to consumers from FICO. Mr. [redacted] contends that FICO supplies to consumers only the...

FICO(r) Score 8 version of the FICO Score and does not make available to consumers the other FICO Score versions that companies are using. Contrary to Mr. [redacted] contention, the myFICO site permits consumers to obtain the FICO Score 8 base version (which is the FICO Score version most widely used by lenders in the U.S.) as well as many additional FICO Score versions commonly used by lenders. FICO believes Mr. [redacted] complaints are factually incorrect and therefore respectfully denies his allegations of wrongdoing.
As you may be aware, on January 30, 2015, FICO began offering additional FICO(r) Score versions to consumers on myFICO.com -based on Equifax data and based on Experian data. On March 6, 2015, FICO began offering an additional FICO Score versions based on Trans Union data. These additional FICO Score versions include prior versions of the base FICO Score, as well as industry-specific FICO Score versions for auto and credit card lending decisions, and, together with the FICO Score 8 base version already offered on myFICO.com, comprise the FICO Score versions that are most widely used to make credit decisions in the United States.

In addition to making these additional FICO(r) Score versions available to consumers, FICO has also included additional educational content on myFICO.com that specifically discusses the multiple FICO Score versions and what they mean to consumers. This content is available to all visitors to myFICO.com, at no charge, and explains why there are multiple versions of the FICO Score, outlines the difference between base and industry-specific FICO Scores, and provides guidelines as to when particular versions of the FICO Score should be viewed by the consumer. Also, myFICO modified its products to include explanations of the multiple FICO Score versions and the ways in which those versions are commonly used by lenders.
Finally, myFICO modified its site to include an important notice to consumers informing them of the versions of the FICO(r) Score they will receive, and the fact that a lender or insurer may use a different credit score. The text of that notice is as follows:
All FICO(r) Score products made available on myFICO.com include a FICO(r) Score 8, along with additional FICO(r) Score versions. Your lender or insurer may use a different FICO(r) Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more.
After clicking on the "Learn more" link, the consumer sees the following:
Learn More: FICO(r) Score 8 is the version of the base FICO(r) Score model most widely used by lenders. In addition to base FICO Scores, there are also industry-specific FICO Scores such as the FICO Auto Score and the FICO Bankcard Score. The FICO Scores made available on myFICO.com are calculated from versions of the base and industry-specific FICO Score models. Your lender or insurer may use a different FICO Score than the version you receive from myFICO, or another type of credit score altogether.
Base FICO(r) Scores range from 300 to 850. Industry-specific FICO Scores range from XXX-XXX. A higher FICO Score represents a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you may be a higher credit risk. There are three different major consumer reporting agencies Experian(r), TransUnion(r) and Equifax(r) that maintain a record of your credit history known as your credit file. Your FICO Scores are based on the information in your credit file at the time they are requested. Your credit file information can change over time and can vary from agency to agency. As a result, your FICO Scores can vary depending on when they are calculated and at which agencies they are calculated.
The statements that FICO(r) Scores are "used by 90% of top lenders" and "FICO Scores are used in 90% of lending decisions" are based on a third-party study of all versions of all FICO Scores sold to lenders, including but not limited to FICO Scores calculated from the FICO Score 8 model.
As explained above, FICO actually makes available versions of the FICO Score most widely used by lenders.
FICO is committed to the satisfaction of its customers, in light of customer feedback with the goal of continually improving our customers' online experience, and we will continue to do so.
We 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 /* (3000, 14, 2015/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the finding, and by the way, who exactly is the Mr. [redacted] referred to in the response?
I was explicitly told by a myFICO representative over the telephone that 'industry only' FICO scores can be used in determining finance rates, and such industry-only products are not available to the public. Thus they are NOT available to purchase or review from the myFICO website as the response contends. They did address the issue of industry only scores not being available for either purchase or view on the myFICO website.
Since I have no faith whatsoever in myFICO, I shall be cancelling my subscription with immediate effect.

I have been with myfico for 3 in about 1/2 years and they have auto pay so I used it so I would never have to worry about the bill so I start getting emails from them that my bill is past due at first I thought it was a just wrong sent email so I get another so I call in on oct 5 2016 and ask why is my email say im past due they wasnt able to fix it and I was hung up on . So I go to the internet to try and update my credit card that was just sent in the mail with the new chip so I try several times to update the card it kept telling me try again later or card isnt right but eventually I see that it finally updated after several attempts and today I check like I pretty much do every day and they wiped all my history and just said I was expired when my debit card wasn't expired I have two other credit cards that are free scores really wasn't needed except I had experian and the other two are transunion and the Equifax so I call today 10/17/2016 I talked to a lady Sao she could help but would have to put me over to a supervisor soon as I was put on hold the phone hung up now this is the second time being hung up on. I call back again was finally able to talk to a supervisor he says my plan is bmno longer in affect people with my plan were grandfathered in. So he says that to me. Next he says I need to let you speak to some one higher then him puts me on hold then he hung up on me that was three times. He did say im sorry you can get into this more expensive plan before he said he had to put me on hold to talk to soneone higher then him. Second time I heard that and then to put me on hold and hung up on me that is disrespectful second time I was told to talk To someone higher then him. I would never recommend them after never having a late payment and this one wasn't my fault
just because the bank sends me a new card and I try to update it and it wouldnt let me for like a hour I think they just want to rip people off. I really didn't expect this thought they was a A plus company there wrong and I witness it. I could tell when I was able to talk to someone that I wasn't going to get any help. You can get it free no need to pay.

Initial Business Response /* (1000, 5, 2015/10/13) */
We regret the difficult experience Mr. [redacted] encountered with customer care regarding his Score Watch Subscription. We have made contact with Mrs. [redacted] through email on 10/05/15 notifying him, per his request the subscription was...

scheduled for cancellation at the end of the billing period being 10/20/15 to allow full advantage of the monthly paid service.

In addition, after receiving this complaint, the subscription was cancelled immediately on 10/7/15 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 so. We 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 /* (2000, 7, 2015/10/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 10, 2015/01/08) */
We regret the difficult experience Ms. [redacted] encountered when she attempted to request a refund for the FICO(r) 3 - Bureau Credit Monitoring product. After further research, our records indicate Ms. [redacted] contacted our customer care...

department via phone on 12/9/14. At that point the representative cancelled the subscription and applied a full refund of $19.95.
To address Ms. [redacted]'s concern regarding her order of $4.95. Ms. [redacted] ordered our FICO(r) 3 - Bureau Credit Monitoring product for $19.95, currently the $4.95 product is our ScoreWatch offered at the promotional rate of $4.95 for 30 days, there after the rate is $14.95.
FICO is committed to the satisfaction of its customers. We 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 so. We 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 Business Response /* (1000, 6, 2014/04/01) */
We regret the difficulty experienced Mrs. [redacted] encountered when she attempted to cancel her Score Watch Subscription. After further research, our records indicate Mrs. [redacted] did contact customer service by email to unlock and...

cancel her subscription.
FICO is committed to customer satisfaction. We have cancelled the subscription and applied a full refund of $21.67 and assured 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 Mrs. [redacted] will not hesitate to contact me directly.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com

Initial Business Response /* (1000, 5, 2016/01/18) */
We regret the difficulty experience Mrs. [redacted] encountered with the double billing. After further research it was determine that once charge pending and other was for the actual product.
Customer care has made contact with Mrs....

[redacted] and confirmed the charges were reversed.
We hope this answers any questions you have regarding this matter.
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 /* (1000, 9, 2015/01/06) */
We regret the difficult experience Ms. [redacted] encountered when she attempted to cancel her Score Watch Subscription.
After further research, our records indicate Ms. [redacted] contacted our customer care department via phone on 12/11/2015...

to cancel her subscription. At that point our customer care team proceeded with cancelling her subscription. At no point did Ms. [redacted] request a full refund for all payments made. Ms. [redacted] did advise our customer care representative that she was not aware she signed up for a subscription. In return the customer care representative advised Ms. [redacted] that if the product is not cancelled within 30, it will automatically renews each month for $14.95 unless the customer calls to cancel. This information is posted in the product details and prior to completing the purchase.
FICO is committed to the satisfaction of its customers, in addition to complying with all applicable laws. We 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 so.
We 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 /* (3000, 11, 2015/01/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I really appreciate Ms. [redacted] taking the time to respond to my complaint. The information she provided is accurate as I did not ask for a refund when I called to cancel my account. When I mentioned that I was unaware I had signed up for a subscription, the customer care representative did not offer to refund my money, so I assumed a refund was not an option that she could grant me in her position as a customer care representative. I am still interested in a refund as I experienced the website as confusing and misleading, resulting in me signing up for a subscription I did not want. When I received monthly emails from myFICO.com, I assumed that I accidentally signed up for email advertisements from their company. It wasn't until I checked my bank statements in December that I realized I had been charged since August for a subscription to their site and continue to be charged as it takes 30 days to cancel my subscription.

Initial Business Response /* (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 $19.99 was applied on 11/03/14.
We have taken Mr. [redacted]'s complaints 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 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 /* (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 technology. Among other things, FICO...

pioneered the use of algorithmic data analysis (analytics) to evaluate and score consumer credit risk. However, 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 creditworthiness. Rather, 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 information. A 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 bureau. At 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 /* (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 settled. The only option to enter the information in concerning a short sale is to show it delinquent. I 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 /* (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 creditworthiness. Rather, 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 information. A 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 bureau. At 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 Business Response /* (1000, 8, 2014/06/18) */
In regards to the inaccurate information reflecting on Ms. [redacted] credit report. Ms. [redacted] has incorrectly directed her inquiry regarding the inaccurate items from her credit reports to FICO. Instead, it should be sent to the 3...

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 report. Each of the three national credit bureaus - Equifax, TransUnion and Experian - collect and maintain the information in your credit reports. They 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
2 [redacted] Place, P.O. BOX [redacted], ** XXXXX
Phone: X-XXX-XXX-XXXX
[redacted] />
For mailed-in disputes, 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 correct. It is especially helpful to send photocopies of your social security card and driver's license for name updates. It 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.S. consumer reporting agencies: Equifax, TransUnion, and Experian. FICO 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 agencies. A 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 satisfaction. If 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 /* (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 100 points higher than FICO's and they have told me to contact FICO, that it's FICO's error, not theirs. I am being tossed back and forth between these companies and I do not appreciate it. I will definitely email Ms. [redacted] and see if she can shed any light on this vast discrepancy in reporting my scores. If that does not work, I will notify you of same and continue trying to get this rectified somehow.
Final Business Response /* (4000, 12, 2014/06/30) */
Addressed customers complaints, Customer will follow up with myFICO directly if further assistance is needed.

Initial Business Response /* (1000, 5, 2014/10/06) */
In regards to Ms. [redacted]'s complaint, we believe FICO plainly and comprehensively discloses both the terms and substance of the product and we disagree with Ms. [redacted]'s allegations that FICO has somehow misled consumers.
FICO...

provides a substantial amount of information for consumers to help them understand the FICO 3-Bureau Monitoring product. The FICO 3-Bureau Monitoring information web page, available at http://www.myfico.com/Products/FICO-3-Bureau-Credit-Monitoring/, clearly describes both the subscription terms and the substance of the product. As to the subscription terms, FICO makes clear on the pages describing the product (including the purchase page) that this is a subscription-based product with a three-month minimum term. As to the substance of the FICO 3-Bureau Monitoring product, FICO delivers the product as described on the product information page. To be clear, FICO never promises that the product will provide identical alerts across the three credit bureaus because each bureau has different alert triggers, which FICO cannot control. FICO also does not promise that the product will refresh the consumer's FICO(r) Score for each bureau daily. Instead, the product monitors the consumer's credit reports daily and provides triggered alerts as well as an updated score with each report, as is stated plainly on the product information page:
"When we become aware of a change to any of your Experian, Equifax or TransUnion credit reports or FICO(r) Scores from any of the three bureaus, we'll alert you within 24 hours via email or text. Plus, you can customize your score alerts for Equifax credit data so that you get notified when you reach a specific score.
Your 3-bureau alerts will notify you when we detect:
FICO Score changes
New accounts
Account changes
Inquiries, collections and public records
Name, address and phone changes
Alerts unavailable for account balance changes in TransUnion credit reports.
Alerts for account balance changes in Experian credit reports are triggered by a change of 5% or more."
The landing page for the FICO 3-Bureau Credit Monitoring product, available at http://www.myfico.com/lp/SEMXXXXXX.aspx, likewise makes clear what the product does. In addition to providing general information and links to more detailed information, the landing page states: "When we detect a change to any of your three credit reports or FICO Scores, we'll alert you within 24 hours via email, text or iOS app." Accordingly, FICO believes it provides consumers with sufficient information regarding the FICO 3-Bureau Credit Monitoring product to enable them to make an informed purchasing decision.
FICO strongly denies that it has done anything to mislead consumers with respect to the FICO 3-Bureau Credit Monitoring product, we have taken Ms. [redacted]'s complaints 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 experience.
Initial Consumer Rebuttal /* (3000, 7, 2014/10/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Clearly this is a cut and paste response. You refer to me not only by my name, Ms. [redacted], but also as Ms. [redacted]. You also later refer to me as a "him." The two links you site have been changed as time goes on with your marketing of this product and even today, I do not feel offers a clear representation of what this product can and can not do. What I feel offers the BEST representation was posted on the Forum board by your staff on 9/18/2014 and SHOULD be disclosed for potential subscribers as it is the best representation of your products features. Unfortunately, this is not what you are directing people to before they subscribe and it was not made available to the public until 9/18/14. It is not easily visible unless you are a participate in the forums. http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/FICO-3-Bureau-Credit-Mon...⇄ It is the New Alert Comparison Chart Added on 9/18/2014 by [redacted] an administrator representing MyFico on the MyFico Forums on your website. Had THIS been available and clearly displayed, I would NOT have subscribed to your product. MyFico should be ashamed of the way they are marketing this product and treating their long term customers. I will NOT be subscribing to any products through MyFico ever again. You have been dishonest in marketing and I was even told by one of your customer service reps on the phone that you are aware of the problem and are having your tech team work on resolving issues with the EX and TU information. Even now, you claim you have not been dishonest, when in fact you have been!
Business Response /* (1000, 17, 2014/11/04) */
We regret the difficulty experience and error Ms. [redacted]'s encountered when attempting to cancel her subscription. We value our customers satisfaction and take our customers feedback into consideration. We have cancelled Ms. [redacted]'s subscription and applied a full refund to the account.
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 Business Response /* (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 /* (2000, 7, 2015/11/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)
We have resolved the issue together. Thank you.

Initial Business Response /* (1000, 8, 2015/07/31) */
We regret the difficult experience Mrs. [redacted] encountered when she attempted to request a refund for the 3 - FICO Score 1B report. After further research it was determined that we did not apply the appropriate refund amount to the...

original refund request.
We have made contact with Mrs. [redacted] and have addressed her concerns. Mrs. [redacted] filed a chargeback through her financial institute, once that chargeback is cleared we will apply a full refund for the amount owed of $31.90.
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.
myFICO is committed to the satisfaction of its customers. We frequently review our order process in light of customer feedback with the goal of continually improving our customers' online experience and we will continue to do so.
We hope this answers any questions you have regarding this matter.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 Consumer Rebuttal /* (3000, 10, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Fair Isaac needs to mail me a check or credit back what they owe me, and I will remove the Amex dispute. The way this was handled was horrible. When I called them for help, [redacted] told me all three charges were definitely credited back to my Amex, which is untrue. I called an hour later and was told by another employee that the charges WERE NOT credited back, so [redacted] was not being honest. When they refund the money they ripped off from me, I will drop my complaints. Until then, it stands. I am tired of this. I assume they will subsequently do whatever they can to ruin my credit, and I will go up the ladder every time they do something negative to me.

Initial Business Response /* (1000, 8, 2014/03/25) */
We regret that Mrs. [redacted] encountered difficulty when attempting to cancel the Score Watch subscription for Mr. [redacted].
In response to Mr. [redacted] calling to cancel the subscription for her husband, for privacy and security purposes we...

require the account holder to call in and cancel their subscription. In this particular case, after further research, on 3.5.14 we received a call from Mrs. [redacted] asking to cancel the subscription. Mr. [redacted] was also available to speak too and requested to cancel the subscription. Mr. [redacted] was advised the subscription was cancelled and set for a future cancellation date of April 11 to ensure Mr. [redacted] has the product available for the month that the subscription was paid for. Mr. [redacted] should see no further charges for this product and should receive a confirmation letter advising him of the subscription cancellation.
If there are any further questions or concerns regarding this matter, I hope Mr. or Mrs. [redacted] will not hesitate to contact me directly.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com
Initial Consumer Rebuttal /* (2000, 10, 2014/04/01) */