Complaints

This profile includes complaints for myFICO's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  myFICO

  200 Smith Ranch Rd San Rafael, CA 94903-5551

  
• 

  myFICO

  301 Marquette Ave Ste 3200 Minneapolis, MN 55401

• 

  myFICO

  181 Metro Dr #600 San Jose, CA 95110-1317

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Fico has several collections and and 30 inaccurate late payments on my credit report that I demand to be removed IMMEDIATELY utilizing U.S. 15 USC 1666b,15 USC 1637(b), 15 USC 1681s-2, 15 USC 1681i, 12 CFR *******C, 12 CFR ******C, 15 USC 1681e(b), 15 USC 1681s-2(A), 1099-C, 15 USC 1681i, and 15 USC 1681s-2.

  

  Business Response

  Date: 04/18/2025

  I am writing in response to the complaint filed by Mr. ****** with the Better Business Bureau (BBB). His complaint highlights concern regarding inaccuracies in collections and late payments that are reflected in his 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 ****************** Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect, assemble, verify, or report that information.  Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus, who collect, assemble, verify, and control that information.  A FICO Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from ****************** and operates to the credit information collected by that credit bureau.  At no point in this process does FICO exercise any ownership or control over any underlying credit information.

  Furthermore, we have reached out to Mr. ****** and provided information on how to file a dispute regarding the inaccuracies in collections and late payments . 

  FICO values its relationships with consumers and appreciates the opportunity to clarify our business practices and our role in the credit scoring process.

  
  Best Regards,
  **** *******
  Sr. Director Customer Relationship Management

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Fico score is reporting incorrectly. My Transuion was a 726 went up 21 points and is currently at the time of reporting is 747. My Equifax went up from 715 to 738. My Experioan is currently a 699 and went up 7 points. I haven't been late with any payments in almost over 6 months. I'm paying a subscription to My Fico 8 scores. My Equifax is a 697, and ********** went down 10 points and is currently reporting 713, my Experian went down 10 points is reporting 693. I don't understand if any site that uses credit monitoring shows my around the 726, 747 area. This modern day redlining because loan officers and lenders look at these scores to approve loans and my scores are low for no reason and can't be explained to me when I follow up with a supervisor. I would like my scores and accounts to be investigated and also reflect the Experian, Equifax and Transunion. There's no reason My Fico scores should be reporting 10 points down when I have not missed a payment and all my scores are going up.

  

  Business Response

  Date: 04/11/2025

  I write in response to the BBB complaint filed by Mr. *********** Their complaint expresses concerns over inconsistent and inaccurate FICO Scores compared to Vantage Score TransUnion and Equifax. 
  

  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 ****************** Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect,assemble, verify, or report that information.  Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus,who collect, assemble, verify, and control that information.  A FICOScore provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from ****************** and operates to the credit information collected by that credit bureau.  At no point in this process does FICO exercise any ownership or control over any underlying credit information.
  

  The FICO scores and Vantage scores are both credit scores that are calculated based on their credit report. However, they are calculated differently and can sometimes differ by more than 100 points. Lenders choose different scoring models depending on whether they are using FICO or Vantage scores. Notably, 90% of top lenders rely on FICO scores when making credit-related decisions.  
  

  Furthermore, in his latest email received from Mr. **** on April ******, he attached a copy of his Experian FICO Score along with his TransUnion and Equifax Vantage Scores. We can confirm that the Experian FICO Score aligns with myFICO as of April 11, 2025. 
  

  While FICO cannot speculate on any changes to its credit information between various dates or prior to enrolling in monitoring services, it can definitively state that any discrepancies were not caused by the FICO Score algorithm. If Mr. **** has any concerns or questions regarding the credit information reported by a credit bureau, I recommend that he directs those inquiries 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.  
  

   

  Best Regards,

  **** *******
  Sr. Director Customer Relationship Management
  

   

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 3/2/25 I signed up for FICO premier.I was specifically looking forward to utilizing this product for assistance in credit repair. I needed an insight into the accounts and the specific details listed in my report. Who better to turn to than myFICO? They have a reputation for being one of the major companies in the credit industry. They are the score by which all lenders judge consumers. I thought for sure they would give me the exact details I was looking for in my report. I was wrong. I need the information in the report to be in the MM/DD/YYYY format so that I can dispute inaccuracies if any. The missing date in the MM/YYYY format makes this data worthless. This format was not listed on their website so I was only able to discover my issue after purchase and content delivery. myFICO clams they do not offer refunds and I feel that this is extremely unfair seeing as how I am pointing to an actual defect in the product. They say it is because they also provide scores and that it is proprietary and that I need to pay for that disclosure. I am in the beginning stages of credit repair and the scores were of no interest to me. Had the date formats been in MM/DD/YYYY format for ALL data, I would have happily continued to be a customer throughout my journey. My issue is that I cannot afford to let $39.95 go towards such a waste while on my credit repair journey. I am just one small consumer facing a multi-billion dollar company. I have disputed this transaction with my credit card company but I fully anticipate losing that.

  

  Business Response

  Date: 04/03/2025

  We are grateful for the opportunity to address Mr. ******* concerns regarding the display and details of his credit report.

  After our conversation with Mr. ****** we are confident that we have addressed his concerns to his satisfaction. At FICO, we are dedicated to prioritizing customer satisfaction and ensuring compliance with all relevant regulations. We greatly value customer feedback, as it drives our effort to enhance our customers' experiences continuously.

  We hope this provides clarity on the matter. Should ******** have any additional questions or concerns, I warmly invite him to contact me directly.
  
  Best regards, 
  **** Gengler 
  Sr. Director -Customer Relationship Management  

• Initial Complaint

  Date:03/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have repeatedly contacted equifax by mail, online, and by phone. Mail refused to accept my id and ss card, online said they fixed account but it is still unavailable, on phone sfter 30 minutes i was so frustrated with them i couldnt continue.

  

  Business Response

  Date: 03/17/2025

  We sincerely appreciate the opportunity to address Ms. ***** concerns regarding the issue with accessing her credit report through Equifax. 

  After speaking with Ms. ****** we fully addressed her concerns and discussed the necessary steps to correct the issue with Equifax.

  At FICO, we prioritize customer satisfaction and are committed to complying with all relevant regulations. We actively seek feedback to continuously improve our customers' experiences, and we will continue to do so.
  

  We hope this clarifies the matter. If Ms. ***** has any further questions or concerns, I encourage her to reach out to me directly.
  

  Regards,
  **** *******
  Sr. Director - Customer Relationship Management  
  
  

  
  

• Initial Complaint

  Date:02/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My ********** credit score on CreditKarma and Creditwise dropped by 30 points. I have no late payments or and reduced my credit untilization to 8%. I tried to access my score on myfico via their free report and got an error message saying my request couldnt be processed and a payment page appeared to pay for a report. Wheres the free report?

  

  Business Response

  Date: 02/26/2025

  Thank you for allowing us the opportunity to address Mr. ******* inquiry about our FICO Free Plan.
  
  We understand how important this information is, and we've made multiple attempts to connect with Mr. ***** without success. We're excited to confirm that we offer a FICO Free Plan that includes a valuable monthly credit report from *******. However, we've encountered a challenge: when we requested *************** from Equifax, we received a "No Hit" error, which means Equifax is currently unable to release the report to myFICO.
  
  There are various factors that could be causing this issue, and we believe its essential to discuss them privately to ensure we find a resolution. We would greatly appreciate the chance to help Mr. ***** through this process.
  
  Additionally, we've reached out to Mr. ***** via email to arrange a callback, where we can outline the specific actions, we can take to complete his order smoothly.
  
  We genuinely hope this information clarifies the situation, and we are eager to assist further. If Mr. ***** has additional questions or concerns,please encourage him to contact us directlyour team is here to help!
  
  Warm regards,
  
  **** Gengler 
  Senior Director - Customer Relationship Management
  

  
  

  Customer Answer

  Date: 02/27/2025

   
  Complaint: 22950507
  
  I am rejecting this response because the response is inadequate. I would like in writing why my credit information cannot be accessed so I may pursue legal action. I assume this is the reason myFICO wants to talk to me and not respond appropriately. I will now submit a another complaint about the third party that has been cited.

  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:01/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There is a bug with fico score 8 that deducts 100 points and cites a deliquent payment for a remark on my credit report that says "early termination / insurance loss". My car was stolen years ago and insurance paid out. My fico score 8 continues to slander my credit in the market. Total victim that i can do nothing about. Poor algorithm for a widely use fico 8 score.. Their version 10 gets it right. 830+ on those. My credit report has no late payments !

  

  Business Response

  Date: 02/19/2025

  We sincerely appreciate the opportunity to address *** ****** concerns regarding the decrease in his FICO Score.

  After speaking with *** ****,we have fully addressed his concerns and discussed the necessary steps to correct the information on his credit report.
  

  At FICO, we prioritize customer satisfaction and are committed to complying with all relevant regulations. We actively seek feedback to continuously improve our customers'experiences, and we will continue to do so.
  

  We hope this clarifies the matter. If *** **** has any further questions or concerns, I encourage him to reach out to me directly.
  

  Regards,
  

  **** *******
  Sr. Director - Customer Relationship Management  

  
  

• Initial Complaint

  Date:01/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Urgent Matter Letter sent out to all three bureaus with same systematic responses disputes reported as accurate when they are in fact not accurate. I have multiple problems with my credit report I am being denied housing and my interest rates for my cars are so high because of all the mistakes that have not been Investigated properly all investigations and replies as accurate are automated because these are not accurate. I now have a freeze on all 3 credit reports I have a learning disability and this has been so difficult for me it is causing me so much stress I have disputed over 42 times I need this matter escalated and my credit reported accurately. Letter sent 42 times To:TransUnion Consumer Relations P.O. ********************************************************* Services P.O. **************************** Experian Consumer ***************** P.O. ************************ Subject: Formal Complaint Regarding Inaccurate Credit Report Information, *************** Payment History, ********************** Fraud Fraudulent Debt being bought and sold by debt collection agencies Fraudulent WebBank Avant Charges, and Noncompliance with the Fair Credit Reporting Act Dear TransUnion, Equifax, and Experian:I am filing this formal complaint regarding multiple inaccuracies on my credit reports that remain unaddressed despite my prior disputes. These include:Past due balance reported as late and auto debited my bank account on fraudulent charges that were reported to credit one bank after a date leak I had fraud charges on all 3 credit cards when I called to report the incidents my cards were closed and I was still charged this is unethical and against the fair credit reporting act. I have no balance with credit one bank they owe me money for charging my bank for fraud and reporting fraud as missed payments.

  

  Business Response

  Date: 02/04/2025

   I am writing in response to Ms. ********* complaint about a decrease in his FICO Score. 
  

  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 ****************** Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect, assemble, verify, or report that information. Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus,who collect, assemble, verify, and control that information. A FICO Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from ****************** and operates to the credit information collected by that credit bureau. At no point in this process does FICO exercise any ownership or control over any underlying credit information.
  

  The only time FICO has access to a consumer's credit report and FICO Score is when they are delivered to a consumer in connection with an appropriate purchase from the ************************** website. However, FICO is unable to locate an existing subscription or purchase for Ms. ******** in the myFICO database and has no record of a recent purchase of a credit report and FICO Score.
  

  In closing, I would like to provide a link to our website- ***************** that can help with general questions regarding how scores are calculated and other important items to consider reviewing. ***********************************************.
  FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process. We hope this answers any questions you have regarding this matter. 
  
  **** *******
  Sr. *******************************************  

  
  

• Initial Complaint

  Date:01/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted MyFICO to update the payment method to my credit card. I was told by the customer service representative that I cannot update my payment method to my credit card and must pay with ******. I do not have a ****** account. I closed this account due to fraud. I have been a MyFICO customer for almost four years and would like to continue the service, but I need to be able to pay with my credit card.

  

  Business Response

  Date: 01/27/2025

  We sincerely appreciate the opportunity to address Ms.Johnsons concerns regarding her payment issue with *******

  After our conversation with Ms. ******** we resolved her concerns and provided guidance to help her.

  At FICO, we prioritize customer satisfaction and are committed to complying with all relevant regulations. We actively seek feedback to enhance our customers' experiences and will continue to focus on this effort.

  We hope this clarifies the matter. If Ms. ******* has any further questions or concerns, I encourage him to reach out to me directly.
  
  Best regards, 
  **** Gengler 
  Senior Director - Customer Relationship Management

• Initial Complaint

  Date:01/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Our identity was stolen so we re opened an account with ********************** to access our credit reports due to the theft. We used the service for one month and then cancelled the account. We were charged an additional 4 months. I called to get a refund. They said their records showed that we have not used the account since September. They said they did not have a record of the cancellation and would not give us a refund. When I said I'd have to do 4 chargebacks they threatened that I would not be able to access the account again. I am really very sick and tired of these companies who make it extremely difficult to cancel an account or make you jump through a 1000 hoops to cancel the account. I filed a complaint with the *** and filed chargebacks with my *********** It's a shame they did this to me since I have used this company on and off for many years and know people who work there.

  

  Business Response

  Date: 01/14/2025

  We sincerely appreciate the opportunity to address ********** concerns regarding his cancellation and refund request.

  After speaking with Mr. ****** we have thoroughly addressed his concerns.  At FICO, we prioritize customer satisfaction and are committed to adhering to all relevant regulations. We actively seek feedback to continuously enhance our customers' experiences, and we will persist in this effort. 

  We trust this clarifies the matter. If Mr. ***** has any further questions or concerns, I encourage him to reach out to me directly.

  
  **** *******
  Sr. *******************************************  

• Initial Complaint

  Date:12/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company has changed points on my "score" by about ***** pointsoff/on for the last 5 years without notice rhyme or reason.They have no business in holding a file on me if they cannot hold consistent accurate credit scoring that matches how the preferred companies like ********** and equifax behave.

  

  Business Response

  Date: 01/02/2025

  I am writing in response to Mr. ********** complaint about a decrease in his FICO Score. 
  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 ****************** Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect, assemble, verify, or report that information. Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus, who collect, assemble, verify, and control that information. A FICO Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from ****************** and operates to the credit information collected by that credit bureau. At no point in this process does FICO exercise any ownership or control over any underlying credit information.
  
  The only time FICO has access to a consumer's credit report and FICO Score is when they are delivered to a consumer in connection with an appropriate purchase from the ************************** website. However, FICO is unable to locate an existing subscription or purchase for Mr. ******** in the myFICO database and has no record of a recent purchase of a credit report and FICO Score.
  
  In closing, I would like to provide a link to our website- ***************** that can help with general questions regarding how scores are calculated and other important items to consider reviewing. ***********************************************.
  FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process. We hope this answers any questions you have regarding this matter. 
  
  **** *******
  Sr. Director - Customer Relationship Management