myFICO Customer Service

Ways to contact myFICO and solve common issues

Use myFICO's Phone Number

myFICO's customer service phone number is the best way to reach them and resolve issues. While there may be a wait, you will be able to talk to a real human being.
If you think your issue may not warrant a phone call, you can also read below for answers to common questions.
You can also scan over all the phone and non-phone-based contact information we've gathered for myFICO

Contacting myFICO customer support

Below you can compare and contrast the 2 ways to contact myFICO by looking at which ones are the fastest and which ones other customers recommend the most for solving myFICO customer service issues as reported to us by the 50 million or so customers that come to GetHuman each year and share their experiences. You can contact myFICO across the following channels: Phone, Web.

Phone number / contactWaitVotes
Customer Service
10 mins10
Online Help at
Customer Service
< 2 hrs43

myFICO: top questions, issues & solutions

Be sure to check out the full answer to your question listed below. We have written extensive, step-by-step guides for even the most vexing of customer service problems for myFICO.
Is my personal information secure on myFICO?
Yes, your personal information is securely protected on myFICO. Safeguarding your data is our top priority. We strictly adhere to industry-standard security measures to prevent unauthorized access or disclosure of your information. We utilize encryption technology and robust firewalls to safeguard your personal data against cyber threats. In addition, myFICO undergoes regular security audits and updates to ensure the highest level of protection. We also employ strict access controls, limiting data access to only necessary personnel. Rest assured, your personal information is handled with the utmost confidentiality and complies with all relevant privacy laws. At myFICO, our commitment to your privacy and security is unwavering.
What are the different membership plans available on myFICO?
myFICO offers three different membership plans: FICO Basic, FICO Advanced, and FICO Premier. The FICO Basic plan provides access to a credit report and FICO Scores from one credit bureau. It allows you to monitor changes in your credit profile and receive alerts when potential fraudulent activity is detected. The FICO Advanced plan includes these features along with credit monitoring and alerts from all three major credit bureaus, as well as access to credit simulators and identity theft monitoring. The FICO Premier plan offers the most comprehensive features, including credit monitoring and alerts from all three major credit bureaus, full access to credit reports and FICO Scores, as well as identity theft monitoring and insurance. Choose the plan that best suits your needs for credit monitoring and protection.
Can I dispute errors on my credit reports through myFICO?
Yes, you can dispute errors on your credit reports through myFICO. myFICO provides a service called FICO® Score 3B Report that allows you to review your credit reports from Equifax, Experian, and TransUnion. If you find any discrepancies or errors on your reports, you can dispute them directly through myFICO's platform. They provide a step-by-step guide on how to initiate the dispute process and offer assistance throughout the process. By disputing errors through myFICO, you have the advantage of their expertise in credit reporting and scoring, ensuring that your dispute is handled accurately and efficiently. It is important to regularly review your credit reports and address any errors promptly, as they can negatively impact your creditworthiness and financial opportunities.
What factors are considered in calculating my FICO score?
When calculating your FICO score, several factors are taken into consideration. The breakdown includes your payment history (35% weightage), which looks at whether you have paid your bills on time. The amount you owe (30% weightage) considers the total amount you owe across different types of credit. The length of your credit history (15% weightage) reviews how long you've been using credit. Your credit mix (10% weightage) analyzes the different types of credit you have, such as credit cards or loans. Lastly, new credit (10% weightage) assesses the number of new credit accounts you have opened recently. These factors collectively make up your FICO score, which is an important indicator for lenders to assess your creditworthiness and determine the terms of any credit you may receive.
Can I get my credit reports and scores for free on myFICO?
No, myFICO does not provide credit reports and scores for free. However, myFICO offers various subscription plans that allow individuals to access their credit reports and scores. These plans provide comprehensive and up-to-date information from all three major credit bureaus, including Equifax, Experian, and TransUnion. Features such as credit monitoring, identity theft protection, and personalized analysis are also included in these plans. The subscription options are designed to meet the specific needs of customers, allowing them to monitor their credit health, track changes, and improve their credit scores over time. While myFICO does not offer free access, the subscription plans provide valuable tools and resources for individuals to stay informed and make informed decisions about their credit.
What is myFICO and how does it work?
myFICO is a trusted platform that provides consumers access to their credit scores and credit reports from the three major credit bureaus. It uses the FICO scoring model, which is widely used by lenders to make credit-related decisions. myFICO derives credit scores based on an individual's credit history, payment patterns, debt levels, and other factors. To get started, users must sign up and choose a subscription plan. They then need to verify their identity and gain access to their credit reports and scores. myFICO offers various additional features, including credit monitoring, which alerts users to changes in their credit profiles. It also provides tools and resources to help users understand and improve their credit scores. The platform helps users gain insights into their creditworthiness and empowers them to make more informed financial decisions.
What is a FICO score and why is it important?
A FICO score is a three-digit number that represents an individual's creditworthiness. It predicts the likelihood of someone repaying their debts on time based on their credit history. This score is widely used by lenders, banks, and credit card companies to determine whether to approve a loan application and what interest rate to offer. It helps them assess the level of risk associated with lending to a particular individual. A higher FICO score indicates a lower credit risk, making it easier to secure favorable loan terms and rates. A good score also increases eligibility for credit cards, mortgages, and other financial opportunities. It is crucial to pay attention to your FICO score as it affects your overall financial health, enabling you to make more informed borrowing decisions and ultimately save money.
There's more!
Click below to show 3 more questions, answers, and complete guides to common myFICO customer support problem.

Does GetHuman work with myFICO?

GetHuman does not work with myFICO's customer support operations, directly or in any other way. GetHuman has no partnership or relation to myFICO at all. GetHuman works with customers everywhere to compile the best tips and tools for reaching call centers faster and solving common customer problems effectively. Much of the information on this website comes from customers who struggled to find the best contact information or solve a problem and shared their story. The information on this website is edited frequently, but for the most accurate and up to date contact information, it may be useful to check myFICO's own website for new or more up to date information about calling or messaging their call center. If you'd like to help in the effort to improve customer service for all, please share this page!

Contacting myFICO at a Glance

myFICO has no chat option
myFICO has no customer email
myFICO has 1 help forum
myFICO has no twitter handle
myFICO has no facebook page
Contact information overview

Answered on this page:

How often are my credit reports and scores updated on myFICO?
What happens if I cancel my myFICO membership?
Solutions to common issues

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