The short answer
The registry records myFICO Official 3-Bureau FICO Score Subscription as a possible interpretation of MYFICO* ULTIMATE 3B. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of MYFICO* ULTIMATE 3B mean?
- MYFICO * ULTIMATE 3B
- Before the asterisk, "MYFICO" usually names the platform or parent company. After it, "ULTIMATE 3B" usually names the product, store or order. How descriptors work →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
Why it shows up like this
Unreviewed registry note: A bank or credit card statement descriptor reading MYFICO* ULTIMATE 3B represents a recurring subscription fee from Fair Isaac Corporation (FICO) for official three-bureau credit monitoring and FICO score tracking.
Unreviewed registry note: Consumers frequently encounter this charge when an ongoing monthly or quarterly subscription automatically renews to provide access to mortgage, auto, and credit card score versions across Equifax, Experian, and TransUnion. Depending on the selected monitoring package, monthly costs typically range from twenty to forty dollars, while annual bundles bill several hundred dollars at once.
Common reasons for this charge
- Unreviewed registry note: An ongoing monthly or quarterly myFICO Advanced or Premier 3-bureau subscription renewed.
- Unreviewed registry note: A homebuyer subscribed to track mortgage-specific FICO scores (FICO Score 2, 4, and 5).
- Unreviewed registry note: An annual myFICO subscription renewed on its anniversary.
Frequently Asked Questions
Unreviewed registry note: Reaching out to customer care representatives via phone or online support ensures your membership is terminated before the next renewal date.
Why is myFICO more expensive than other score tools?
Unreviewed registry note: myFICO provides real industry FICO scores (mortgage, auto, credit card algorithms) directly from Fair Isaac, rather than generic educational VantageScores.
Dispute Rights & Fraud Prevention
Unreviewed registry note: If you did not authorize a myFICO subscription, contact support immediately to investigate the charge.
How do I dispute an unauthorized myFICO transaction?
A registry match cannot establish that you authorized a transaction or that it is safe. Compare the original account records. If you did not authorize a payment, contact your issuer promptly through its official channel.
Independent reference — not affiliated with Fair Isaac Corporation. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- myFICO Terms of Use https://www.myfico.com
- CFPB: Understanding FICO vs. Other Credit Scores https://www.consumerfinance.gov
Evidence review pending · pending · About UnknownCharges