What is the MYFICO charge?

What is the myFICO charge?

A billing descriptor showing simply MYFICO indicates an official subscription charge from Fair Isaac Corporation for consumer credit score tracking, identity theft protection, or credit monitoring tools.

This charge typically appears on bank and credit card statements when a monthly credit monitoring plan renews automatically or when a consumer purchases a one-time credit report package. Subscription fees generally cost between twenty and forty dollars per month depending on whether you monitor single-bureau or multi-bureau credit files.

Cardholders who do not recognize this transaction can verify the charge by logging into their account at myfico.com, reviewing their billing history, and turning off auto-renewal in the settings menu. If the charge is completely unauthorized, contact your bank right away to report potential card compromise, request a billing dispute, and secure your financial accounts against future fraudulent activity while checking all associated household statements. Proactively managing your credit subscriptions avoids surprise billing cycles and keeps your monthly statements clean. Keeping your personal and financial credentials secure provides peace of mind when managing online subscriptions. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.

Subscriptions and Cancellations

Credit monitoring services are often billed as recurring monthly subscriptions. Ensure no one else in your household signed up using your card.

Occasionally, temporary pre-authorization charges may appear for incomplete transactions; these drop off automatically.

Keeping track of your renewal dates helps prevent unexpected automatic charges on your financial statements.

1. Step 1 Log in to your account at myFICO.com or use the mobile app, review to 'My Subscriptions' or 'Account Settings', and review active plans.
2. Step 2 If you wish to cancel but cannot log in, call their customer care directly at 1-800-319-4433 during business hours.

Dispute Rights & Fraud Prevention

If unauthorized transactions occur on your statement, you have the right to file a dispute under federal banking regulations.

Frequently asked questions

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
• FTC: Fair Credit Billing Act https://consumer.ftc.gov