The short answer
A charge from MYFICO* ULTIMATE 3B corresponds to an official 3-bureau FICO score monitoring subscription from Fair Isaac Corporation (FICO).
Why it shows up like this
Fair Isaac Corporation operates myFICO, providing consumer access to 28 official FICO score versions used by mortgage, auto, and credit card lenders.
Descriptors include MYFICO* ULTIMATE 3B, MYFICO.COM, or FAIR ISAAC CORP, typically billing $19.95 to $39.95 per month or $350+ annually.
Common reasons for this charge
- An ongoing monthly or quarterly myFICO Advanced or Premier 3-bureau subscription renewed.
- A homebuyer subscribed to track mortgage-specific FICO scores (FICO Score 2, 4, and 5).
- An annual myFICO subscription renewed on its anniversary.
How to locate the invoice and cancel
- Sign in to myFICO Go to myfico.com and log in to your account.
- Go to Subscription Settings Click My Account > Subscriptions & Billing.
- Cancel Plan Click Cancel Subscription or call myFICO customer care at 1-800-319-4433.
Frequently Asked Questions
Why is myFICO more expensive than other score tools?
myFICO provides real industry FICO scores (mortgage, auto, credit card algorithms) directly from Fair Isaac, rather than generic educational VantageScores.
Does myFICO provide refunds?
Monthly subscriptions are non-refundable once billed. Annual subscriptions may qualify for prorated refunds depending on terms.
Dispute Rights & Fraud Prevention
If you did not authorize a myFICO subscription, contact support immediately to investigate the charge.
Dispute unauthorized transactions under the Fair Credit Billing Act within 60 days of the statement date.
How do I dispute an unauthorized myFICO transaction?
Contact your card issuer to initiate a dispute under FCBA guidelines and notify myFICO support.
How long does a dispute investigation take?
Under federal regulations, banks must conclude dispute reviews within two billing cycles or 90 days.
Independent reference — not affiliated with Fair Isaac Corporation. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- myFICO Terms of Use https://www.myfico.com
- CFPB: Understanding FICO vs. Other Credit Scores https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges