ComplaintsformyFICO

Financial Services

View Business profile

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Initial Complaint
03/05/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
FICO took it upon themselves to update my credit which caused my credit score to decline 86 points. Experian/ FiCo was the first to send me an update regarding this problem. My report was reported on 2/9 then reported again 18 days later. This is not acceptable.
Business response
03/26/2024
I write in response to a complaint by ****************** alleging that FICO has decreased its score by 86 points.

FICO is a leading provider of analytics and decision management technology. Among other things, FICO pioneered the use of algorithmic data analysis (analytics)to evaluate and score consumer credit risk. However, although FICO develops and licenses a FICO Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect, assemble, verify, or report that information. Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus,who collect, assemble, verify, and control that information. A FICO Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from FICO and operates to the credit information collected by that credit bureau. At no point in this process does FICO exercise any ownership or control over any underlying credit information. If ****************** has concerns or questions relating to the credit information being reported by the credit bureau, I suggest they direct those questions to the appropriate credit bureau.
The only time FICO has access to a consumer's credit report and FICO Score is when they are delivered to a consumer in connection with an appropriate purchase from the myFICO.com website. However, FICO is unable to locate an existing subscription or purchase for ****************** within the myFICO database and has no record of a recent purchase of a credit report and FICO Score.

In closing, I would like to provide a link to our website- ***************** that can help with general questions regarding how scores are calculated and other important items to consider reviewing. ***********************************************.

FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process. We hope this answers any questions regarding this matter.

***********************
Sr. Director - Customer Relationship Management
Initial Complaint
02/09/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
MyFico shows incorrect credit score from Equifax. My Equifax score is 613. MyFico shows that my Equifax score is 578.
Business response
02/21/2024
I write in response to the BBB complaint filed by ***********************************. Their complaint expresses concerns over inconsistent and inaccurate FICO Scores compared to Vantage Score.

FICO is a leading provider of analytics and decision management technology. Among other things, FICO pioneered the use of algorithmic data analysis (analytics) to evaluate and score consumer credit risk. However, although FICO develops and licenses a FICO Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect, assemble, verify, or report that information. Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus, who collect, assemble, verify, and control that information. A FICO Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from FICO and operates to the credit information collected by that credit bureau. At no point in this process does FICO exercise any ownership or control over any underlying credit information.

The FICO scores and Vantage scores are both credit scores calculated based on your credit report. However, they are calculated differently and can sometimes be more than 100 points in difference. ******* will use different scoring models based on the FICO or Vantage scores. However, 90% of top lenders will utilize FICO scores in credit-related decision-making.

Accordingly, although FICO cannot advise on what may have changed in their credit information between various dates and prior to enrolling in the monitoring services, FICO can state with certainty that it was not caused by any defect in the FICO Score algorithm. If ************************** has concerns or questions relating to the credit information being reported by a credit bureau, I suggest they direct those questions to the appropriate credit bureau.

FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process.

***********************
Customer ************************Sr. ******************
Initial Complaint
02/09/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
MyFICO subscription **mes with a monthly report. Their app says you must redeem the report BY Feb 9. Today is Feb 9 and I am told that I can no longer redeem the report as it had to be done before. That is not what their app said. It clearly said redeem BY Feb 9. This is deceptive and ** fusing language. They wont make it right and give me the report I paid for. I tried to cancel today and they rent my next months payment and said they wont refund it. This is an awful practice and takes advantage of people. I want my $39.95 back!
Customer response
02/13/2024
After sending this complaint in I was contacted by the Director of customer relations at My ****************** who immediately apologized and addressed my issues. She not only cancelled and refunded my fees but gave me the report that I had previously called to get as part of my subscription. I wanted to let you know as they doesnt appear to be a way for me to update in your system after submitting complaints. Please note this issue was resolved to my satisfaction and I am grateful for the attend from the director.
Initial Complaint
02/08/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
It has come to my attention that FICO has been decreasing my FICO score by 20+ points per month for the last 3 months. This has happened because I opened a **** of America Alaska ************* account in November of last year. Since we use the credit card to accumulate air miles, we routinely make purchases each month of $2,000 to $3,000. Without fail, we ALWAYS pay the account off in full at the end of each month. We have never carried a month to month balance or paid any interest. We have used Alaska ************* card accounts in this manner for 30+ years. We periodically close these accounts and establish new ones every few years to take advantage of special offers of large blocks of miles rewards. In November of 2023 we got a new Alaska Airlines credit card and did not realize that the new card had a lower credit limit that the previous one. Because of this the utilization percentage on the account changed from about 15% to 50% or more. This did not concern us since we pay the balance off in full every month. Unbeknownst to us, this caused a drastic decrease in our excellent credit score. Our FICO score has been 820+ for many many years. I just discovered today that FICO has been unfairly decreasing that score by 20+ points per month because of the utilization rate on the new account. I have since increased the limit on the account and hopefully this will get things moving in the right direction again. Unfortunately the damage has been done to my once excellent credit score. I called My FICO to complain and their response was to say that there is nothing that they can do to reinstate my excellent score even though I have done nothing to adversely affect it. I still pay all of my bills in full and on time. Fair, Isaac and Company are using a defective system to report my credit viability and when they are told of this they simply shrug and say that there is nothing to be done. I reject that they have no way to correct a mistake and I want my score corrected.
Business response
02/15/2024
I write in response to a complaint filed by ***************************** alleging that FICO has decreased their score by 20+ points.

FICO is a leading provider of analytics and decision management technology. Among other things, FICO pioneered the use of algorithmic data analysis (analytics)to evaluate and score consumer credit risk. However, although FICO develops and licenses a FICO Score algorithm used to score consumer credit information at the credit bureaus (such as TransUnion, Experian, and Equifax), it does not collect, assemble, verify, or report that information. Rather, consumer credit information is reported by furnishers (typically lenders) to credit bureaus,who collect, assemble, verify, and control that information. A FICO Score provided by a credit bureau is generated by applying a FICO algorithm that the credit bureau licenses from FICO and operates to the credit information collected by that credit bureau. At no point in this process does FICO exercise any ownership or control over any underlying credit information. If ****************** has concerns or questions relating to the credit information being reported by the credit bureau, I suggest he directs those questions to the appropriate credit bureau.

The only time FICO has access to a consumer's credit report and FICO Score is when they are delivered to a consumer in connection with an appropriate purchase from the myFICO.com website. However, FICO is unable to locate an existing subscription or purchase for ****************** within the myFICO database and has no record of a recent purchase of a credit report and FICO Score.

In closing, I would like to provide a link to our website- credit education that can help with general questions regarding how scores are calculated and other important items to consider reviewing. ***********************************************

FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process. We hope this answers any questions you have regarding this matter.

***********************
Customer ************************Sr. ******************
Customer response
02/19/2024

Complaint: 21268182

I am rejecting this response because: Fair Isaac and *** produce a faulty product that has incorrectly and unfairly indicated that my credit worthiness is not as good as it was four months ago. If one were to look at my credit reports from ************ Equifax and Experian, they would find no problems anywhere in my credit history. I have always paid everything on time, in full and as agreed. My credit history is impeccable and there is nothing there to dispute about that. When I contacted the credit agencies to ask how it is possible to have my FICO score corrected to what it was four months ago, they tell me that it is an algorithm that they have no ability to correct. The FICO algorithm disparaged my credit reputation simply because four months ago I started using an air miles credit card to a high degree to maximize the number of miles garnered in a month. The FICO algorithm then unfairly punished me for that regardless of the fact that I pay the entire balance on the account off IN FULL at the end of each billing period. There is nothing that I can do except stop using the credit card and hope that my score goes back up above 820 again. This has caused me inconvenience but worse than that, the faulty FICO algorithm has damaged my reputation for no good reason and now FICO wants to shrug it off and point the finger back at the credit reporting agencies. FICO needs to fix the flaw in their product and they also need to provide an avenue to correct the situation when they arbitrarily damage someone's reputation.
Sincerely,

*****************************
Business response
02/21/2024
We appreciate the opportunity to address Mr. ******** concerns regarding the score changes.

As mentioned in my previous response, the only time FICO has access to a consumer's credit report and FICO Score is when they are delivered to a consumer in connection with an appropriate purchase from the myFICO.com website. However, FICO is unable to locate an existing subscription or purchase for ****************** within the myFICO database and has no record of a recent purchase of a credit report and FICO Score.

We encourage ****************** to visit our website and review the credit education section. Our website can help with general questions regarding how scores are calculated and other important items to consider reviewing.***********************************************

FICO values its relationships with consumers and appreciates the opportunity to clarify our business and our role in the credit scoring process. We hope this answers any questions you have regarding this matter.

***********************
******************************** Sr. ************
Initial Complaint
02/05/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Requested cancellation by email in June 2023. They proceeded to continue to charge me without authorization. Requesting refund. I will only pay for *** charge, I want the June and July charge refunded (only 1 refund due since one of them has been reversed by bank)
Business response
02/15/2024
We appreciate the opportunity to address Mr. ******* concern regarding the charges for **** and July.

On **** 1, ****, we received an email from Mr. ****** requesting to cancel their subscription. Because Mr. ****** was not logged in to their account,we informed him to contact us to verify their identity and process the cancelation.Mr. ****** did not contact our support team to verify their account.
We appreciate the opportunity to clarify the request for Mr. ****** to contact us. When we receive a request to cancel a subscription, if the customer is logged in to their account, we honor the request. In this case we asked the customer to call our support team because the account was not verified.
It is our hope this helps Mr. ****** understand the reason for the verification and for the protection and security of Mr. ******* account.

I regret the inconvenience this has caused Mr. ******. We have processed the refund requested for July since the first payment was reversed by the bank.

FICO values its relationships with consumers and appreciates the opportunity to clarify our business. I hope Mr. ****** will not hesitate to contact me directly if there are any further questions or concerns regarding this matter.

***********************
Customer ************************ Sr. ******** Consumer
Initial Complaint
02/04/2024
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have never felt more disrespected and furious at the service I received today from MyFico. I am/was a premier customer who subscribes every couple of months. I am permanently disabled and disfigured from serving in ****. I made this very clear to both **** and ******. I record all my important calls because I basically have little memory. I asked them to please be patient, respectful and speak slow so I could understand. Apparently you don't have an accessibility number for people like me??? Isn't this a federal law??? **** was disrespectful, dishonest, and a terrible customer service agent. He knew NOTHING AT ALL ANY QUESTION I ASKED HIM!!! I HAD TO REPEAT MYSELF 6 DIFFERENT TIMES EXACTLY READING OUT TO HIM THE ***** MESSAGES I WAS GETTING. HE WAS CLUELESS. HE REFUSED ANY MANAGER, SUPERVISOR, REFUSED TO CANCEL MY ACCOUNT AND HE REFUSED TO HAVE ANY SUPERVISOR OR MANAGER CALL ME BACK. Since he knew nothing about anything or that the sky is blue for gods sake he continued to deny me everything. You are telling me I cant have a manager or supervisor call me in ***** hours??? Give me a break. That is a flat out lie again to my face. Now to ******. He was the worst of the worst. He also refused any manager to call me back even when he offered I said yes, but when I asked why I was being treated so poorly he hung up on me. On a disabled person. You guys are the lowest of the low. I will never do any kind of business with you ever again. Now you have to deal with complaints from several federal agencies like the Americans with Disability Act, the Better Business Bureau, social media posting about what both did and you lost a customer for life. You should be proud of your terrible employees. They did absolutely nothing and refused to hav anyone call me back. Where is your accessibility number like 90% of real companies have?? Why don't your employees provide a corporate email, phone number and even the location of corporate?? Bunch of liars!!!!!
Business response
02/15/2024
We have made contact with ********************** and addressed his concerns.
Customer response
02/15/2024
Better Business Bureau:
I was very much impressed by the MyFico leadership received this complaint. I was called not only once but twice with leadership apologizing. Both were absolutely wonderful, professional, listened to what I had to say and due to both of the employees in the complaint the calls were listen to throughly and they admitted things should have been differently. Then they offered a refund on the month I just paid for which was a great gesture of both their departments and the new training they will be giving to these 2 above. I appreciate their quick action and the 2 cals both to apologize. It changed my mind about not using them again and I will continue to subscribe maybe every month or every other month. Thanks to the BBB for your assistance. My Fico you guys deserve a huge thank you from me.
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*****************************
Initial Complaint
01/29/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On January 22nd **** FicoScore reported to Experian my to be 674. As of January 27th my credit score report from FicoScore to Experian is 603. I called as spoke to an agent and he did not have any reason why the credit went down, or provide proof why FicoScore would drop the score 74 points. Please help me research and provide justification for the misuse of my credit. I am trying to purchase a home and this action will affect my process of home ownership. Correct the credit score as noted on January 22nd at 674 or higher. A complete description of how my credit score is metric by points.
Business response
02/07/2024

We appreciate the opportunity to address ********************* inquiry regarding the inaccurate information reflected on their credit report. ****************** has incorrectly directed their inquiry to FICO regarding the incorrect items on their credit reports. Instead, it should be sent to the three national consumer reporting agencies: Equifax, TransUnion,and Equifax.

While FICO (Fair Isaac Corporation) developed the FICO credit scoring formulas, it does not determine the content of your credit report. Each national credit bureau Equifax, TransUnion and Experian collects and maintains the information in your credit reports. They use that information and our scoring formula to calculate your FICO score.

If you find information on your credit report that is inaccurate or doesn't belong to you, please contact the credit bureau that produced the report.

To correct errors on your credit report, you must contact the credit bureau showing erroneous information. Your FICO Score uses the information on your credit reports to calculate your FICO Score, so inaccurate information on your credit report can hurt your score.

Below is the contact information to reach each bureau:

Equifax
Equifax Disputes
All disputes with Equifax are handled online.
Experian
Experian Disputes
All disputes with Experian are handled online.
TransUnion
**************
TransUnion Disputes
******************************************* BOX 1000
******** ** 19022
TransUnion Disputes

Your File Identification Number (FIN) is no longer needed by T.U.'s system. T.U.'s automated system may ask you for a FIN, but it is not required to move the call forward and speak to a live agent.

I hope ****************** is able to resolve this matter to his satisfaction. He should not hesitate to contact me directly if he has any further concerns regarding this matter.

***********************
*********************************Director Consumer
Customer response
02/07/2024

Complaint: 21209060

I am rejecting this response because: ***************** referred me to FICO because the score is generated from FICO and is noted on their website for their services. ***************** states that they are not responsible for the score generated, FICO is responsible for provide accurate information to the three *************s. *****************s said they are only the dashboard service/ brokerage on behalf of the FICO rating.

Sincerely,

***************************
Initial Complaint
01/11/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
************************* here. Today, January 9th, **** at 2:41 pm Pacific time. I ordered a subscription to FICO Advanced for $29.95 a month. Upon logging in I found 2 major issues with the product I just purchased. #1 The Resilience Score is being removed from the product in 2 weeks. #2 My scores are not aligning with the scores my mortgage lender pulled on the same day. I called MYFICO within 5 minutes and told them I am cancelling as well as want a refund based on the fact the product does not come with what it says it comes with, the Resilience Score and correct credit scores that banks see and use. I spoke with customer service rep ****** who stated she woudl cancel my subscription but she would not refund it. I am expecting a FULL REFUND immediately due to a DEFECTIVE PRODUCT THAT DOES NOT INCLUDE WHAT IT SAID IT WOULD.
Business response
01/19/2024
We regret the difficulty experience ************** encountered with the recent purchase and refund request for the FICO Advance subscription.

To address ****************** concerns regarding the FICO Score not matching what the lender has elected to use.
While,90% of top lenders use FICO Scores to help them make credit-related decisions.It is up to the lender to select the credit scores of their choice for lending purposes.

In addition, we explained to ************** that the initial request for a refund was denied because a credit report was delivered with the updated credit scores/credit reports from each credit bureau and is nonrefundable. We also advised ************** as a one-time courtesy, we have immediately canceled her subscription and provided a refund.

FICO is committed to the satisfaction of its customers, in addition to complying with all applicable laws. We frequently review our customers' feedback to improve the experience continually, and we will continue to do so.

I hope ************** will not hesitate to contact me directly if there are any further questions or concerns regarding this matter.

***********************
Customer ************************Director Consumer
Customer response
01/19/2024

Complaint: 21122889

I am rejecting this response because:
YOU HAVE NOT IN ANY WAY RESPONDED TO MY COMPLAINT ****:
SEE BELOW. YOUR ARE MAKING EXCUSES TO SELL A PRODUCT THAT DOES NOT INCLUDE WHAT THE PRODUCT SAYS IT INCLUDES.
" I ordered a subscription to FICO Advanced for $29.95 a month. Upon logging in I found 2 major issues with the product I just purchased. #1 The Resilience Score is being removed from the product in 2 weeks."
WHERE IS THE RESILIENCE SCORE? YOU SELL IT AND THEN AFTER THE CUSTOMER PAYS FOR IT YOU TELL THEM THEY ARE NOT GETTING WHAT THEY PAID FOR.

Sincerely,

*************************
Business response
01/22/2024
We appreciate the opportunity to address the concern regarding the Resilience Score.
As ************** mentioned in her initial email, the Resilience Score will be deprecated in late January. The initial date was scheduled for January 20th, but the Resilience Score remains viewable as of today. Because ************** requested a refund and a refund due to her dissatisfaction with the Resilience Score being decommissioned, we immediately canceled the subscription and provided a refund. That is the reason why the Resilience Score is no longer viewable.

We hope this answers any questions you have regarding this matter. I hope ************** will not hesitate to contact me directly if there are any further questions or concerns regarding this matter.

***********************
Customer ************************ Sr. ******** Consumer
Customer response
01/25/2024

Complaint: 21122889

I am rejecting this response because:

***********************,
IMMEDIATELY AFTER I PAID THE *** WHICH WOULD COVER A LENGTHY PERIOD IT CAME UP ON MY SCREEN THAT WHAT I PAID FOR WAS NO LONGER GOING TO BE OFFERED.

OF COURSE I ASKED FOR A REFUND SINCE WHAT I HAD JUST PAID FOR WAS NOBEING DELIVERED.
****, JUST ADMIT IT, THE PRODUCT I PAID FOR WAS NOT AS DESCRIBED AND I ASKED FOR THE REFUND DUE TO THAT SINGLE AND SOLE REASON.YOU ARE SHIFTING FROM THIS FACT.
NOBODY IS GOING TO GIVE YOU MONEY FOR AN ***** IF YOU DON'T HAND THE ***** OVER UPON PAYMENT.
YOU REALIZED THAT YOU CAN'T TAKE AWAY WHAT CUSTOMERS HAVE ALREADY PAID FOR SO YOU HAVE LEFT IT AVAILABLE FOR NOW. UNTIL YHOU FIGURE OUT A WAY TO TAKE IT BACK AFTER THE FACT. YOU WILL THEN JUSTIFY THAT YOU WILL ONLY GIVE REFUNDS TO CUSTOMERS THAT ASK FOR IT AND LET THE REST OF THEM NEVER REALIZE THEY JUST GOT LESS THATN WHAT THEY PAID FOR.

Sincerely,

*************************
Initial Complaint
12/22/2023
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have submitted multiple complaints about unauthorized charges in the amount of ***** recurring on my PayPal account between June 2022 - Feb 2023 and I have yet to receive a refund for these charges. I'm forwarding all of the complaints to the state attorney in ********** for assistance with this as well due to the lack of cooperation from MyFico.
Business response
01/05/2024
To address ************************ complaint regarding unauthorized charges.

In the complaint, ******************** states she has contacted myFICO regarding the unauthorized charges. After further research, we found that ******************** has not contacted our support team or sent an email to discuss the charges. The only email we received from the customer is the government ID submitted to verify the order placed online on June 21,2022. To clarify, we requested ******************* to submit her government ID for verification before the product was delivered.

We also want to note that the email used for the myFICO account matches the email for this complaint. For that reason, we dont believe the order is unauthorized.

FICO is committed to the satisfaction of its customers, in addition to complying with all applicable laws. We frequently review our customers' feedback to improve the experience continually, and we will continue to do so.

We hope this answers any questions you have regarding this matter. If there are any further questions or concerns regarding this matter, I hope ******************** will not hesitate to contact me directly.

***********************
Customer ************************ Sr. ******** Consumer
Initial Complaint
12/21/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Dear Fair Isaac Corporation,I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of my FICO scores and credit history. It has come to my attention that my FICO scores are inaccurately low, and there are discrepancies in the reported credit history from Equifax and TransUnion.Despite having accounts on record since ****, Equifax and TransUnion are reflecting only 7 months of credit history, which is grossly inaccurate. This error has a direct impact on my creditworthiness and financial standing. I believe such inaccuracies are detrimental and demand immediate rectification.I kindly request that Fair Isaac Corporation thoroughly investigate and promptly update my Experian, TransUnion, and Equifax scores to reflect their accurate and rightful positions. It is crucial that my credit information is portrayed accurately, considering the significant impact it has on various aspects of my financial life.I want to give Fair Isaac Corporation an opportunity to rectify these discrepancies before considering further actions, including escalating this matter to relevant government authorities. I believe in the fairness and accuracy of credit reporting, and I trust that Fair Isaac Corporation will address this matter with the urgency and seriousness it deserves.Thank you for your immediate attention to this pressing issue. I look forward to a swift resolution and the correction of my credit information.Below are photos showing how myfico is not counting any of my older accounts to my equifax, and transunion Which need to be fixed all my scores should be much higher or will be escalating
Business response
12/28/2023
We appreciate the opportunity to address Mr. ****** inquiry regarding the inaccurate information reflected on their credit report.
************** has incorrectly directed their inquiry to FICO regarding the inaccurate items on their credit reports. Instead, it should be sent to the three national consumer reporting agencies:

While FICO (Fair Isaac Corporation) developed the FICO credit scoring formulas, it does not determine the content of your credit report. Each of the three national credit bureaus Equifax, TransUnion and Experian collect and maintain the information in your credit reports. They each use that information and our scoring formula to calculate your FICO score.

If you find information on your credit report that is inaccurate or doesn't belong to you, please contact the credit bureau that produced the report.

To correct errors on your credit report, you need to contact the credit bureau that is showing erroneous information. Your FICO Score uses the information on your credit reports to calculate your FICO Score, so inaccurate or incorrect information on your credit report can hurt your score.

myFICO customers can use the following contact information to reach each bureau by following the below links:
*********************************************************************************************************************************************************************
Equifax
Equifax Disputes
All disputes with Equifax are handled online: ***********************************************************************************
Experian
Experian Disputes
All disputes with Experian are handled online: *******************************************

TransUnion
**************
TransUnion Disputes
**********************, P.O. BOX 1000
Chester, ** 19022
TransUnion Disputes: **************************************************************
Your File Identification Number (FIN) is no longer needed by TU's system. TU's automated system may ask you for a FIN, but it is not needed to move the call forward and speak to a live agent.

If there are any further questions or concerns regarding this matter, I hope ************** will not hesitate to contact me directly.

***********************
Customer ************************Director Consumer
Customer response
12/28/2023

Complaint: 21039669

I am rejecting this response because:

Sincerely,

*********************

Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business.

Cookies on BBB.org

Need to file a complaint?

Complaint Details

Showing all complaints

Business response

Business response

Customer response

Business response

Customer response

Business response

Business response

Business response

Customer response

Business response

Customer response

Business response

Customer response

Business response

Customer response

Business response

Business response

Customer response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary