要約
This is a legitimate charge from myFICO.
What is the myFICO charge?
A 'MYFICO' charge typically refers to a subscription or purchase from myFICO.com, the official consumer website of the Fair Isaac Corporation.
They provide access to official FICO® credit scores, credit monitoring services, and identity theft protection.
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.
- 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.
- Step 2 If you wish to cancel but cannot log in, call their customer care directly at 1-800-319-4433 during business hours.
What if I never signed up for myFICO?
If you have never used the service, contact your bank immediately to report the unauthorized transaction, as your card details may have been compromised.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
本サイトはmyFICOとは提携していない独立したリファレンスです。
検証ソース
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov