A myFICO charge on your credit card, debit card, or bank statement may be connected to a paid myFICO credit-monitoring subscription or a one-time FICO Score and credit-report purchase.
myFICO is the official consumer division of FICO, also known as Fair Isaac Corporation. A legitimate company name on the statement does not prove that the specific payment was authorized, so compare the amount with your myFICO account, subscription history, one-time purchases, email receipts, and other authorized card users.
What Is the myFICO Charge?
myFICO provides consumers with access to FICO Scores, credit reports, credit and score monitoring, identity-related features, score simulators, and other credit-information tools.
A myFICO transaction may involve:
- A monthly Basic subscription
- A monthly Advanced subscription
- A monthly Premier subscription
- A legacy quarterly or annual subscription
- A one-time one-bureau credit report
- A one-time three-bureau credit report
- An introductory offer that continued at the standard price
- A subscription under another email address
- A purchase made by a spouse, family member, or other authorized card user
- A duplicate or incorrect billing transaction
- An unauthorized purchase or subscription
A free myFICO membership should not produce a paid subscription charge. If you believe you selected the free plan, review the account’s subscription level and purchase history.
Is myFICO Legitimate?
Yes. myFICO is the official consumer division of FICO, the company behind FICO Scores.
myFICO offers legitimate credit-related products, but that does not establish that every charge displaying the name was authorized. A payment could still involve:
- A forgotten subscription
- An automatically renewed membership
- A one-time report purchase
- A promotion that converted to regular billing
- Another person using the card
- A second myFICO account
- A billing error
- Unauthorized use of the card or personal information
Verify the exact account, product, amount, and billing date through official myFICO support.
Common myFICO Statement Variations
The exact wording can differ by bank, card network, statement space, transaction status, and payment system.
Possible variations may include:
- MYFICO
- MYFICO.COM
- MY FICO
- MYFICO SUBSCRIPTION
- MYFICO CREDIT REPORT
- FICO
- FICO SCORE
- FAIR ISAAC
- RECURRING MYFICO
- PENDING MYFICO
- CHECKCARD MYFICO
- POS DEBIT MYFICO
- MYFICO REFUND
These are comparison examples rather than a complete official descriptor list. Copy the wording exactly as it appears on your statement.
How Much Does myFICO Charge?
Current advertised myFICO paid plans include:
- Basic: $19.95 per month
- Advanced: $29.95 per month
- Premier: $39.95 per month
myFICO also currently offers a free membership that does not require a credit card.
Current one-time report prices include:
- One-bureau report: $19.95
- Three-bureau report: $59.85
Prices, taxes, promotions, available plans, and legacy subscription amounts can change. Use these figures only as identification clues and confirm the applicable amount in your own account.
Why Is myFICO Charging Me Every Month?
A Paid Membership Renewed
Current paid myFICO memberships renew automatically unless canceled.
A recurring payment may continue because:
- The subscription was not canceled before the renewal date
- The customer stopped using myFICO but did not cancel
- The account was created under another email address
- A spouse or other authorized user purchased the plan
- The card remained attached to an older account
- An introductory price ended and the standard price began
- The cancellation process was started but not completed
Signing out, deleting the mobile app, or no longer checking your score does not necessarily cancel the subscription.
An Introductory Offer Ended
Some customers may enroll through a discounted introductory offer. The first transaction can therefore be lower than later renewals.
Review the original offer for:
- The introductory amount
- The length of the promotional period
- The standard renewal price
- The billing frequency
- The date by which cancellation was required
Search email, screenshots, and browser history for the exact terms shown during signup.
A Legacy Subscription Renewed
Current paid plans are advertised with monthly renewal. However, myFICO’s support guidance also refers to subscriptions that may renew monthly, quarterly, or annually depending on the original subscription period.
An unfamiliar amount may therefore belong to an older plan rather than one of the current monthly offerings.
Could It Be a One-Time Credit-Report Purchase?
Yes. Not every myFICO charge is recurring.
myFICO currently sells one-time reports that may include:
- A report from one selected credit bureau
- Reports from Experian, Equifax, and TransUnion
- FICO Score 8
- Additional FICO Score versions
- Scores used for mortgages, auto loans, or credit cards
- Score-analysis and simulation tools
A one-time report should be distinguished from a paid monitoring subscription.
Check whether the account shows:
- A one-time report order
- An activation deadline
- A report-access period
- A separate active subscription
- A future billing date
A single charge matching a report price does not necessarily mean recurring billing has started, but confirm the subscription status before assuming no further payments will occur.
Why Was I Charged When Credit Reports Can Be Free?
Consumers can obtain free credit reports from the three nationwide credit bureaus through AnnualCreditReport.com.
A free credit report is not necessarily the same as a paid myFICO product.
A myFICO purchase may include additional features such as:
- FICO Scores
- Specialized mortgage, auto, or credit-card score versions
- Score updates
- Credit monitoring
- Identity monitoring
- Alerts
- Score simulators
- Identity-restoration services
Do not assume a myFICO charge is invalid solely because free credit reports are available elsewhere. Instead, determine what product was ordered and whether you authorized it.
How to Identify a myFICO Charge
1. Record the Complete Transaction
Save:
- The complete descriptor
- The amount
- The transaction date
- The posting date
- Whether it is pending or completed
- Whether the bank marks it as recurring
- Any telephone number or location included by the bank
Do not post transaction references or card information publicly.
2. Search Your Email
Search every email address that may have been used for:
- myFICO
- FICO
- Fair Isaac
- Subscription
- Credit report
- FICO Score
- Order confirmation
- Billing confirmation
- Membership
- Renewal
- Cancellation
- The exact charge amount
Check spam, trash, archived mail, and old email accounts.
3. Sign In to the Correct myFICO Account
Use the official myFICO login page.
Review:
- The current subscription
- The product name
- The next payment date
- The billing frequency
- The payment method
- One-time report purchases
- Past invoices or order information
- Whether the account is free or paid
Check every email address that may have been used to create a myFICO account.
4. Ask Other Authorized Card Users
The transaction may have been made by:
- A spouse or partner
- An adult child
- A family member preparing for a mortgage
- A person shopping for an auto loan
- Someone reviewing credit before applying for a card
- Another authorized cardholder
Do not share credit-report or identity-verification information while checking with other users.
5. Contact myFICO Customer Care
If the payment cannot be matched, contact myFICO using its official customer-care number or online form.
Have available:
- The charge date
- The amount
- The complete descriptor
- The email addresses you checked
- The limited card information requested through the official channel
- Whether the transaction is pending or completed
Ask myFICO to determine:
- Which account produced the charge
- Which product was purchased
- Whether the charge is recurring
- The next billing date
- Whether another account uses the same payment card
How to Cancel a myFICO Subscription
myFICO provides several cancellation methods.
Cancel Through the Website
- Sign in to the correct myFICO account.
- Open Profile Settings.
- Open My Subscriptions.
- Review the product and next payment date.
- Select the available cancellation option.
- Complete every confirmation step.
- Confirm that the account no longer shows another renewal.
- Save the cancellation confirmation.
Cancel Through the Mobile App
myFICO says cancellation is available through the iOS and Android apps:
- Open the myFICO app.
- Select the More tab.
- Open the Subscription screen.
- Select the cancellation option.
- Complete the confirmation steps.
- Save evidence of the cancellation.
Cancel by Telephone
Call myFICO Customer Care at 1-800-319-4433.
Ask the representative to confirm:
- The subscription being canceled
- The effective cancellation date
- Whether another renewal is scheduled
- Whether another myFICO account uses the card
- Whether access continues through the current paid period
- A cancellation confirmation number or email
Do not cancel only by replacing or locking the payment card. Cancel the membership directly and address any unauthorized card use separately with the issuer.
Does Canceling myFICO Delete the Account?
Canceling a paid subscription normally stops future renewal of the identified plan. It may not automatically:
- Delete the myFICO login
- Delete all personal information
- Cancel another account under a different email address
- Cancel a separate one-time report order
- Correct errors in a credit report
- Resolve an unauthorized transaction
- Refund a completed subscription payment
Confirm both the subscription status and the status of the underlying account.
Can I Get a Refund From myFICO?
myFICO’s current paid-plan pricing states that subscriptions may be canceled at any time but refunds are not available.
That policy does not prevent a consumer from contacting myFICO about:
- A duplicate charge
- An incorrect amount
- A payment after confirmed cancellation
- A product the company failed to provide
- An account created without permission
- An unauthorized card transaction
- Another identifiable billing error
When requesting a review:
- Identify the account and product.
- Record the charge date and amount.
- Cancel future renewal separately.
- Explain the specific billing problem.
- Provide any cancellation confirmation.
- Ask for the decision in writing.
- Save the support request and case number.
- Monitor the original payment method for any approved credit.
Do not promise or assume that myFICO will approve a refund outside its published policy.
Why Did myFICO Charge Me After I Canceled?
A payment after cancellation may involve:
- The renewal was processed before cancellation was completed
- The cancellation occurred after the billing cutoff
- The cancellation process was not completed
- A second myFICO account exists
- A legacy quarterly or annual subscription renewed
- A one-time report was purchased separately
- A pending transaction later became completed
- The card was used without permission
- A billing error occurred
Compare:
- The cancellation date and time
- The effective subscription end date
- The transaction date
- The posting date
- The account email address
- The product name
- The next payment information shown before cancellation
Contact myFICO with the cancellation record when the dates suggest that the charge should not have occurred.
Why Are There Two myFICO Charges?
Two entries could represent:
- A subscription and a one-time report
- Two separate myFICO accounts
- A one-bureau and a three-bureau product
- A payment retry
- A pending authorization and completed transaction
- A refund beside the original payment
- A true duplicate transaction
- Repeated unauthorized use
Check each amount and transaction status separately. Do not assume a pending authorization is a second completed payment.
Billing Questions Are Different From Credit-Report Errors
myFICO can assist with its account, subscription, product, and billing issues.
If the problem is inaccurate information inside a credit report, the correction process may require contacting the credit bureau that supplied the report:
- Experian
- Equifax
- TransUnion
Canceling myFICO does not remove an account, inquiry, late payment, collection, address, or other item from a credit report.
Likewise, disputing information in a credit report does not automatically cancel a myFICO subscription.
Current myFICO Contact Information
- Official website: myFICO
- Member login: Sign in to myFICO
- Support Center: myFICO Support
- Contact form: Contact myFICO Customer Care
- Customer-care telephone: 1-800-319-4433
- Hours: Monday through Friday, 6:00 a.m.–6:00 p.m. PT; Saturday, 7:00 a.m.–4:00 p.m. PT
- Cancellation instructions: How to cancel myFICO
- Current subscription plans: myFICO plans and pricing
- One-time reports: myFICO one-time reports
Corporate Headquarters
Fair Isaac Corporation
5 West Mendenhall, Suite 105
Bozeman, MT 59715
The corporate headquarters is not the preferred route for identifying, canceling, or disputing an ordinary myFICO consumer transaction. Use Customer Care first.
What If I Never Used myFICO?
If neither you nor another authorized card user recognizes the transaction:
- Confirm whether the entry is pending or completed.
- Copy the complete statement descriptor.
- Search all email accounts for myFICO, FICO, and the exact amount.
- Ask other authorized card users.
- Check whether anyone recently prepared for a mortgage, auto loan, apartment application, or credit-card application.
- Try the official account-recovery and login routes for relevant email addresses.
- Contact myFICO Customer Care.
- Ask whether the card is connected to an identifiable account or product.
- Request cancellation of any unauthorized recurring subscription.
- Lock the card if additional unfamiliar attempts are appearing.
- Contact the issuer using the number printed on the card.
- Follow the issuer’s unauthorized-transaction procedure.
- Ask whether the card number should be replaced.
- Review credit reports for unfamiliar accounts or inquiries if identity theft is suspected.
A legitimate myFICO service does not prove that the person whose card was charged created or authorized the account.
Should I Contact myFICO Before Disputing the Charge?
When practical, contact myFICO first to identify the account, cancel future renewal, and request a billing review.
Contact the card issuer promptly when:
- No authorized person recognizes the transaction
- myFICO cannot locate or explain the payment
- The account appears to have been created using stolen information
- Several unauthorized charges are appearing
- The charge continues after confirmed cancellation
- A billing-dispute deadline may be approaching
- The card or financial account may be compromised
Keep records of every customer-care call, email, cancellation, case number, refund decision, and card-issuer communication.
Credit Card and Debit Card Dispute Guidance
- CFPB credit-card dispute guidance
- FTC credit-card billing guidance
- CFPB debit-card and bank-transaction guidance
- CFPB automatic-payment guidance
Reporting deadlines and protections differ between credit cards, debit cards, bank transfers, and recurring payments.
Protect Your Personal and Credit Information
A myFICO account can involve highly sensitive identity and credit information.
Never post or send to an unverified person:
- Your Social Security number
- Your date of birth
- Your complete card number
- Your bank-account number
- Your myFICO password
- Your PIN or CVV code
- Identity-verification questions and answers
- Credit-report account numbers
- A one-time authentication code
- Copies of your credit report
- Remote access to your phone or computer
Use only myFICO’s official encrypted website, app, support form, and verified telephone number.
Watch Out for Fake myFICO or Credit-Support Services
Scammers may impersonate myFICO, FICO, a credit bureau, or a credit-repair service.
Warning signs include someone who:
- Promises to raise your score immediately
- Asks for payment by gift card or cryptocurrency
- Requests remote access to your device
- Asks for a security code sent to your phone
- Claims you must make another payment before receiving a refund
- Pressures you to dispute accurate credit information
- Uses a telephone number from an advertisement or unsolicited message
Do not call an unrelated number merely because it appeared in a search result for myFICO.
Consumer Reports and Experiences
There are currently zero visible consumer reports on this ChargeOnMyCard.com page.
No visitor has provided:
- A transaction amount
- A plan name
- A one-time report purchase
- A billing frequency
- An introductory offer
- A cancellation result
- A refund decision
- An unauthorized-account explanation
- A final bank-dispute outcome
ChargeOnMyCard.com cannot access myFICO, FICO, credit-report, subscription, identity-verification, card, or bank accounts. It cannot identify a private purchase, cancel a membership, issue a refund, change a credit score, correct a credit report, or submit a financial dispute.
Frequently Asked Questions About myFICO Charges
What is myFICO on my credit-card statement?
It may be a paid myFICO subscription or a one-time purchase of a FICO Score and credit report.
Is myFICO legitimate?
Yes. myFICO is the official consumer division of FICO. A specific transaction must still be verified as authorized.
Why is myFICO charging me $19.95?
The amount may match the current Basic monthly plan or a one-time one-bureau report. Check whether the account shows a future billing date.
Why is myFICO charging me $29.95?
The amount may match the current Advanced monthly subscription. Verify the plan and next payment date in My Subscriptions.
Why is myFICO charging me $39.95?
The amount may match the current Premier monthly subscription. It could also reflect another product or legacy arrangement, so confirm it directly.
What is a $59.85 myFICO charge?
The amount currently matches myFICO’s advertised one-time three-bureau report price. Check whether it was a one-time purchase or accompanied by a separate subscription.
Does myFICO automatically renew?
Paid subscriptions renew automatically unless canceled. The billing period may depend on the subscription originally selected.
How do I cancel myFICO?
Cancel through My Subscriptions on the website, through the Subscription screen in the iOS or Android app, or by calling 1-800-319-4433.
Can I get a refund from myFICO?
The current paid-plan terms state that refunds are not available. Contact Customer Care about duplicate, unauthorized, post-cancellation, or otherwise incorrect billing.
Does deleting the myFICO app cancel the subscription?
No. Complete the official cancellation process and retain confirmation.
Why did myFICO charge me after I canceled?
The renewal may have processed before cancellation, the cancellation may not have completed, or another account or product may exist. Compare the cancellation and transaction dates.
Can I get a free credit report instead?
Free reports are available from the nationwide credit bureaus through AnnualCreditReport.com. They are not necessarily the same as paid myFICO Scores, monitoring, and specialized tools.
Does checking my own FICO Score hurt my credit?
Checking your own score through myFICO is treated as a consumer inquiry rather than a lender application and should not be confused with a hard inquiry for new credit.
Can myFICO correct an error on my credit report?
myFICO can provide access to the report, but disputes over the underlying report information generally need to be submitted to the bureau that supplied it.
What is myFICO’s customer-service phone number?
The official customer-care number is 1-800-319-4433.
What should I do if I never opened a myFICO account?
Contact myFICO to identify and cancel the account, secure the affected card, review your credit reports, and report the transaction to the issuer if it remains unauthorized.
Related Credit-Monitoring and Charge Guides
- PVER3.US Credit-Monitoring Subscription Charge
- How to Investigate an Unrecognized Card or Bank Charge
The PVER3 guide covers a different credit-related subscription and should not be interpreted as an alternate name for myFICO. The general unrecognized-charge guide is useful when neither myFICO nor the issuer can immediately match the transaction.
Help Other Cardholders Identify myFICO
If you saw MYFICO, MYFICO.COM, FICO, or another variation, share what the payment involved.
Helpful details include:
- The complete descriptor without private reference numbers
- The general amount range
- Whether it was a subscription or one-time report
- The plan name
- Whether an introductory offer was involved
- Whether the payment was monthly, quarterly, or annual
- How cancellation or billing support was resolved
- Whether a refund or bank dispute was successful
Do not post Social Security numbers, dates of birth, credit-report information, account email addresses, card numbers, bank details, report numbers, passwords, identity-verification answers, PINs, CVV codes, or authentication codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, credit-monitoring, credit-report, subscription, identity-service, and bank-statement descriptors using current official merchant resources, billing terms, cancellation instructions, contact information, and visible consumer reports.
We distinguish myFICO’s verified products and current billing options from unconfirmed explanations for an individual transaction. Readers should verify their specific payment through myFICO and the financial institution where it appeared.
Last reviewed: July 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with Fair Isaac Corporation, FICO, myFICO, Experian, Equifax, TransUnion, AnnualCreditReport.com, any credit-report provider, identity-monitoring provider, payment processor, card network, bank, credit union, lender, insurer, or financial institution. This article is provided for informational purposes only and is not financial, legal, credit, lending, credit-repair, identity-theft, subscription, cancellation, refund, dispute, privacy, account-security, or fraud advice. Contact myFICO, the applicable credit bureau, and your financial institution directly regarding a specific transaction or credit-report issue.
