MyFICO

Initial Business Response /* (1000, 8, 2015/04/02) */
We regret the difficult experience Mr. [redacted] encountered when he attempted to request a refund for his FICO(r) Standard Experian Report. After further research, we have reviewed the dispute process through Experian using the link from...

the myFICO website. We are not able to identify where the form requires a credit report number. We do apologize for the inconvenience this has caused Mr. [redacted]. As of 4/2/25 a refund was applied for the purchase of $13.96.
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 Mr. [redacted] will not hesitate to contact me directly.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com
Initial Consumer Rebuttal /* (2000, 10, 2015/04/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I'm satisfied with the refund but it's a shame I had to cancel my subscription and file a complaint with the Revdex.com to get it. Honestly, this should of never gotten past the supervisor I spoke with on the phone. Thank you [redacted] for taking care of the situation and if you would like more details on the troubles I had trying to file a dispute on my credit report, please contact me.
-[redacted]

Initial Business Response /* (1000, 6, 2014/11/03) */
We acknowledge receipt of Mr. [redacted]'s complaint with respect to the 3 month minimum requirement, we believe FICO plainly and comprehensively disclosed the terms and substance of the product.
FICO vigorously denies that it has done...

anything to mislead consumers with respect to the 3 month minimum requirements. We have taken Mr. [redacted]'s complaint seriously and as a courtesy we have cancelled his subscription as of 11/3/14 to ensure he incurs no further charges.
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 Consumer Rebuttal /* (2000, 8, 2014/11/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/07/10) */
I write in response to Mr. [redacted]' letter to Revdex.com, Inc. alleging that his FICO 3-Bureau Credit Monitoring subscription was cancelled due to nonpayment with no notification. After further research it was determined that...

Mr. [redacted]' was notified by email on 5/10/15 regarding payment failure and to contact us or log in to his account and update his payment information. Due to Mr. [redacted]' not updating his payment method his subscription was cancelled on 6/4/2015.
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 Mr. [redacted]' will not hesitate to contact me directly.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com

Initial Business Response /* (1000, 5, 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. Stantons's allegations that FICO has somehow misled consumers.
In this...

particular case, Mr. [redacted] called in on 10/27/14 requesting to cancel the product because he was not happy with the purchase. After further consideration, the product was cancelled and a full refund of $21.15 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 Consumer Rebuttal /* (2000, 7, 2014/11/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (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 10 day free trial period and a 3 month minimum when not canceled...

within the 10 day free trial period. These 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 product. I have also requested a refund in the amount of $29.90 to be applied to the credit card on file.
We also take our customers opinion into consideration and appreciate the feedback. I 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

FICO and MYFICO PRIMER
user name Wanted - Fico scores are determined when the lender "pulls" you credit report threw a "model" probably an algorithm. Fico sells 35 different models to lenders possibly 36 with the addition of version 8. That means at any one time with the three major credit reporting companies you have 108 different fica scores. Furthermore, myfico products are misleading. All this to determine your credit worthiness with no regard to your income.
The myfica monitoring scores products fico offers are almost useless. They are trying to sell you fico score ver 8 when most lenders are not using Version 8. For a mortgage I find lenders only using versions Beacon 5, Classic and ISAAC for mortgages and the only way to find out what those Fico scores are is to take a 5 point hit on your credit score by taking a hard pull on your credit and I do mean HARD. In practice, I found FICo products useless in the real world.
My first user name got transferred to that phone in the desert.

Frustrated user1 - You think users of the MyFico forums are unlikely to know these things?

We at least know that it's FICO, and we know that phrases like "the lender "pulls" you credit report threw a "model" probably an algorithm" make no sense at all. If you hope to educate this vast collection of credit watchers, perhaps you should try educating yourself first.
[redacted] – sorry to confuse u. Fico sells programs to its lenders to determine a person’s creditworthiness. Lenders are banks, credit cards, people who loan you money. The programs are algorithms a mathematic equation and fico sells 35 programs called “models” to lenders to determine credit worthiness for different scenarios like credit cards, car loans, mortgages, etc. Now it sells 36 models with the addition of version 8. An algorithm is a mathematics equation and fica has determined that the information that makes up the equation is proprietary and will not disclose this information. When I say “pulls” I mean run the program against the info in ur credit report to determine your credit score for ur credit scenario. They have no idea what ur income is. It takes time to verify ur income.

[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 /* (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 subscription. He 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 activity. As of today we still have not received a call from Ms. [redacted] to cancel her subscription. We also received a chargeback from their financial institution contesting the charges. Once we resolve the outcome of this investigation, depending on the results, we will be glad to refund the charges applied to the account. We want to prevent double refunds for the products. The subscription has been cancelled to prevent further charges.
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 /* (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 /* (2000, 16, 2015/11/12) */

Initial Business Response /* (1000, 9, 2015/06/01) */
We regret the difficult experience Mrs. [redacted] encountered when she attempted to request a refund for her FICO(r) 3 Bureau Credit Monitoring subscription. After further research, we have reviewed Mrs. [redacted] account and determined...

several inquiry alerts reflect in her account. When we become aware of a change to any of your Experian, Equifax or TransUnion credit reports, we'll alert you within 24 hours of identified report change details and any change to your FICO(r) Score 8.
We do apologize for the inconvenience this has caused Mrs. [redacted]. We have also applied a refund for the payment made on May 21, 2015 of $24.95.
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 Business Response /* (1000, 9, 2014/10/17) */
In regards to Ms. [redacted]'s complaint, we believe FICO 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.

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 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. If Ms. [redacted] still feels the product is not meeting her needs, I would be happy to cancel her subscription and reinstate her Score Watch subscription as she states she would prefer to have vs. the FICO 3-Bureau Credit Monitoring product.
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 Business Response /* (1000, 5, 2014/02/24) */
We regret the difficulty experienced Mr. [redacted] encountered when he attempted to cancel his Score Watch Subscription. After 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 satisfaction. In this particular case, even though Mr. [redacted] requested to cancel beyond the time he stated, as a courtesy, I have applied a credit for $59.80 on 2/22/14 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 /* (3000, 7, 2014/02/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
On Saturday 2/22/14 around 12:00 Eastern, I spoke with a representative regarding my reimbursement. I was originally told that I would hear back personally from the manager within 3 business days. When that did not happen I called to see what my status was. The representative said that she had received confirmation the day before I called (Friday 2/21/14) that I would receive a refund. I asked if it was for the full amount and she said that it was. I 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 4 months. I was told by that representative that I would hear back in an email within 1 business day and that has not happened. I feel like only receiving back a fraction of the amount is equivalent to them stealing close to $300.00 from me and that I was given false information. I 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 refund. Thank you for your help in this matter and I eagerly await your response as well as the response from the company.
Final Business Response /* (4000, 9, 2014/03/11) */
We are currently working with Mr. [redacted] to assist with providing with a manual refudn. Mr. I have made contact with Mr. [redacted] and is aware our actions and decisions made to his account.
Consumer Response /* (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 all. They were in contact with me, but I haven't heard from them in almost a month. I 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 /* (1000, 20, 2014/04/23) */
Mr. [redacted] has confirmed he received a refund for the amount of $269.10. The remainder of the refund was processed at an earlier date and is currently under research.
Consumer Response /* (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.com. At 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 /* (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 subscription. I am confirming the subscription was cancelled and that we have provided...

Mr. [redacted] with a refund of the last renewal charge for $29.95 that occurred on August 17, 2015. The refund should be available within 3 to 5 business days from today September 9, 2015.
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, 10, 2015/09/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Resolution has been met.

Initial Business Response /* (1000, 5, 2015/09/29) */
We regret the difficult experience Mr. [redacted] encountered when he contacted our customer care team regarding a refund for his FICO 3 Bureau Monitoring subscription. I am confirming the subscription was cancelled and that we have provided...

Mr. [redacted] with a refund for the amount of $239.40 that occurred on September 24, 2015. The refund should be available within 3 to 5 business days.

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 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 vigorously 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 Business Response /* (1000, 8, 2015/04/09) */
We regret the difficult experience Mr. [redacted] encountered when he attempted to request a refund for his FICO(r) Score 3 Report View. Although we acknowledge receipt of Mr. [redacted]'s complaint with respect to this product, 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 him.
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. In addition a full refund for the amount of $59.85 was applied.
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, 8, 2014/06/05) */
In regards to the inaccurate information reflecting on Mr. [redacted] credit report. Mr. [redacted] has incorrectly directed his inquiry regarding the inaccurate items from his 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)
P.O. Box XXXXXX
Atlanta, GA XXXXX-XXXX
X-XXX-XXX-XXXX
Phone: X-XXX-XXX-XXXX
Mail:
TransUnion Disputes
2 Baldwin Place, P.O. BOX 1000
Chester, PA XXXXX
Phone: X-XXX-XXX-XXXX
Online:http://www.transunion.com/corporate/personal/creditDisputes.pagebr />
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.
Also, after further research it was determined that Mr. [redacted] has not successfully purchased a myFICO product since the account was established on November of 2012. I encourage Mr. [redacted] to contact our customer care team at X-XXX-XXX-XXXX to assist with the purchase of one of our products.
I hope Mr. [redacted] is able to resolve this matter to his satisfaction. If he has any further concerns regarding this matter, he should not hesitate to contact me directly.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com

Initial Business Response /* (1000, 10, 2015/04/23) */
I write in response to Mr. [redacted] letter to Revdex.com, Inc. alleging myFICO is refusing to assist with determining why his score dropped 118 points. . Because 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 score. In regards to the drop in points to his score, Mr. [redacted] has incorrectly directed his inquiry to FICO. Instead, it should be sent to the 3 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 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 (and therefore it has no ability to verify, alter or update) any underlying credit information. . If 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 118 points. This is a great start in determining what has caused the change. In addition I have provided a link with detailed information on how a credit score is calculated: www.myfico.com/crediteducation/whatsinyourscore.aspx. He 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 /* (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 me. My complaint was filed against the Fair Isaac Corporation, not myFICO. My understanding of myFICO is that they are a consumer profit arm of Fair Isaac, which provides credit monitoring and other consumer services. This is different from where my complaint stems. I was never a customer of myFICO. I was a recipient of a FICO (Fair Isaac Corporation) credit score. MyFICO 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 occurred. If 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 score. The credit bureaus do not produce the score and do not control the scoring algorithm. She is correct in stating that Fair Isaac does not have the credit data. Fair Isaac has created an environment where neither institution can provide the recipient of a credit score with the necessary information. Cooperation from both is necessary.
The credit bureaus have cooperated. All three primary credit bureaus have provided their data, free of charge. If 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 /* (4000, 16, 2015/05/20) */
No further comments to add from myFICO
Final Consumer Response /* (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 resolution. The business' proposed resolution was "No further comments".
That is not a proposed resolution, therefore I cannot accept it. I had proposed a meaningful resolution that has already received cooperation form the credit bureaus. Fair Isaac has yet to acknowledge my proposal.

Initial Business Response /* (1000, 5, 2015/05/25) */
In his complaint to the Golden Gate Revdex.com, Mr. [redacted] alleges that FICO has made misrepresentations in the sale of one of its credit monitoring products because the FICO Score monitored by its product is not a credit...

score used by lenders. He also contends that FICO has misrepresented which FICO Score version it monitors in its products. FICO believes Mr. [redacted]'s complaints are factually incorrect and therefore respectfully denies his allegations of wrongdoing.
As you may be aware, products sold to consumers on myFICO.com include a base FICO Score 8 along with additional FICO Score versions often used for particular types of lending decisions. In the FICO 3-Bureau Credit Monitoring purchased by Mr. [redacted], he received a FICO Score 8 from each of the three credit bureaus along with a total of sixteen additional FICO Score versions, including prior base FICO(r) Score versions as well as industry-specific FICO Score versions.
Contrary to Mr. [redacted]'s assertion, the FICO Score monitored in the product he purchasedFICO Score 8is a credit score used by lenders. It is, in fact, the base FICO Score version most widely used by lenders in the United States today. The fact that the products sold on myFICO.com include scores that are actually used by lenders to make credit decisions is what distinguishes myFICO.com from many consumer-focused credit information providers in the market todaymany of whom sell credit score versions that are not commonly usedor not used at allby lenders to make credit decisions.
With regard to the version of FICO Score that is monitored in its products, FICO makes the version clear throughout the user experience on myFICO.com. The marketing pages and product comparison pages that are presented before a consumer ever purchases a product make clear that it is FICO Score 8 that is tracked and monitored. Moreover, on the product description page for the FICO 3-Bureau Credit Monitoring product purchased by Mr. [redacted], a consumer is specifically informed that "Monitoring for additional FICO Score versions is not available". Similarly, those same pages make clear that the FICO Score version used by the FICO Score Simulator is the FICO Score 8 version.
myFICO takes consumer satisfaction and credit score education seriously. In addition to making the FICO(r) Score versions and tools described above 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. In this case, as described above, FICO submits that Mr. [redacted]'s complaints lack factual basis and in fact run counter to the educational materials and marketing content on myFICO.com. Please do not hesitate to contact us if you require additional information regarding myFICO and its business.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com

Initial Business Response /* (1000, 5, 2014/07/03) */
In response to a complaint filed by [redacted]. After further research, it was determined Mr. [redacted] ordered the ScoreWatch Annual subscription on 4/1/14, this product remains active and will expire on 5/1/15. Also on the same day a...

second order was placed for a standard Experian report for $19.95 and expired 5/1/14 being a 30 day product. The total price of this order was for $181.75. A 3 Bureau report was purchased on 4/28/14 for $64.79 and expired on 5/28/14. We regret that Mr. [redacted] was not aware the 3Bureau is only viewable for 30 days. Unfortunately once a product expires we are unable to reactivate this product.
If there are any further questions or concerns regarding this matter, I hope Mr. [redacted] will not hesitate to contact me.
[redacted]
Customer Care Manager - myFICO
[redacted]@fico.com
Initial Consumer Rebuttal /* (3000, 7, 2014/07/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The answer is the complaint paraphrased! That was the whole point the web site made it look like it was a year I thought it wAs a year subscription I would not have purchased for only one month at 64 dollars a month !
Final Business Response /* (4000, 9, 2014/07/21) */
no additional comments to add...