myFICO offers subscription plans for consumers to access their credit scores, reports, and credit monitoring services. They have four plans ranging from a Free Plan with basic features and one credit bureau report, to a Premier Plan that provides full three-bureau coverage, monthly updates, identity monitoring, and up to $1 million in identity theft insurance. The paid plans auto-renew monthly with prices from $19.95 to $39.95, and you can cancel anytime without a refund. So if you see a charge from myFICO, it's likely for one of these credit monitoring subscriptions helping you stay on top of your credit and identity security.
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The cancellation process can be done online through the My Subscriptions page or the app quickly without requiring complex steps, and calling customer service is also an option during specified hours. This gives users easy access to cancel without significant obstacles, hence the low difficulty score.
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How to Cancel myFICO: Step by Step
If you purchased through MyFICO.com:
- Log in to your MyFICO account at myfico.com.
- Navigate to the My Subscriptions section:
- Select My Subscriptions from the account settings on the right.
- Select the subscription you wish to cancel.
- Follow the prompts to confirm cancellation.
- If you prefer using the mobile app:
- Open the MyFICO app on your mobile device.
- Tap on the More tab.
- Find and select Subscriptions.
- Choose the subscription to cancel.
- Follow the prompts to confirm cancellation.
- If you wish to cancel via phone:
- Call MyFICO Customer Care at 1-800-319-4433.
- Available hours: Monday - Friday 6:00 AM to 6:00 PM PT or Saturday 7:00 AM to 4:00 PM PT.
- Request to cancel your subscription during the call.
Tips & Tricks for Canceling myFICO
- Call MyFICO customer care directly at 1.888.577.5992 during Pacific Time business hours (Mon-Fri 6 AM - 6 PM, Sat 7 AM - 4 PM) for cancellation—no online option usually available.
- Use the alternative cancellation number 888-888-8553 to avoid long wait times; wait times here are typically under 10 minutes with friendly English-speaking representatives.
- Be polite but firm when requesting cancellation; small talk with agents can help ease the process.
- Confirm your account and billing information as the agent requests, and immediately ask for a confirmation number or email for your cancellation.
- If they try to retain you, firmly state that you want to cancel immediately and do not want any further charges or renewals.
- Consider timing your cancellation call early in the business day to reduce hold times.
- If unable to reach by phone during hours, send a cancellation request via the website contact form or email for time-stamped proof of cancellation attempt.
- Use a prepaid credit card with a low balance to subscribe initially if concerned about unwanted renewals; this can help prevent unexpected charges.
- Some users recommend canceling, waiting for access expiration, then re-subscribing for fresh reports before canceling again, but note possible waiting periods between subscriptions.
- Escalate by requesting to speak with a supervisor if initial representatives are unhelpful or try to upsell instead of processing your cancellation.
myFICO Customer Service Info
If you need assistance, here's how you can get in touch with myFICO's support team.
Cancel myFICO Script
Script
Copy
Dear myFICO Customer Support,
I hope this message finds you well. I am writing to request the cancellation of my myFICO subscription. After careful consideration, I have determined that I no longer require the service, and would like to avoid any future billing. Thank you for your understanding and assistance with this matter.
Best regards,
[Your Name]
Frequently Asked Questions
myFICO subscription cancellation can be done online via the My Subscriptions page, through the iOS or Android app, or by calling customer service. Subscriptions automatically renew unless canceled before the end of the current period. Refunds vary by subscription type: 12-month subscriptions receive a pro-rated refund calculated quarterly for remaining time, while quarterly and monthly subscriptions do not offer refunds but stop future charges upon cancellation.
To cancel your myFICO subscription, you need to log in to the My Subscriptions page on their website or through the app. This implies that you do need your password to access your account for cancellation. If you have forgotten your password, you can reset it using this link: https://support.myfico.com/hc/en-us/articles/360037592414-I-forgot-my-password. There is also phone support available, but online cancellation requires authentication through your account login.
- Subscription auto-renews and customers may forget to cancel before renewal.
- No refunds for cancellations after renewal even if cancelled the same day.
- Continued charges after cancellation causing frustration when accounts are still billed.
- Cancellation deletes all account history, leading some to prefer pausing the subscription instead.
- Access to account locked after dispute if customers try to reverse charges through their banks.
- Customer service delays and poor communication regarding cancellation and refund policies.
- Refund denial despite customer requests often leading to complaints and disputes.
- Misunderstanding about the number of credit reports included can cause dissatisfaction.
- Account cancellation process seen as punitive when access is locked after disputes.
- Subscription fee perceived as high relative to the value of credit updates provided.
myFICO subscriptions automatically renew monthly, and while you can cancel your membership at any time, there are no refunds for any remaining subscription period after cancellation. Cancellation can be done online or via phone, but if you do not cancel before the renewal date, you will be charged for the next period automatically. There are no contracts, lock-in periods, or early-cancellation fees, but the lack of refunds may be a pain point to be aware of.
Before cancelling your myFICO subscription, it's important to know that cancellation will permanently delete your account and all your documented history, including reports and scores, will be lost. If you want to retain your past information but stop getting updates, consider pausing your subscription instead, as this allows you to keep your history intact. There is no option to un-pause a subscription, so if you pause, you must wait it out or cancel and re-subscribe later. Canceling means you can re-subscribe, but you will not have access to any previous account information or history.
- Login credentials for your myFICO account (username and password) to access online cancellation options.
- Access to the My Subscriptions page or the Subscription screen in the myFICO mobile app (under the “More” tab) to manage your subscription directly.
- Customer service phone number: 1-800-319-4433 (or 1-888-577-5992) for cancellations by phone—be prepared to verify your identity (such as confirming account details, name, or possibly other identifying info).
- Subscription details (name of the plan or service you wish to cancel) when contacting support.
- Contact email address associated with your myFICO account (in case support needs this for further verification).
- Billing information (such as payment method or last four digits of the card on file), if needed for account verification during the support call.
- PayPal account access (if you paid using PayPal, you may need to cancel authorization from PayPal’s site directly).
We've actually written a step by step guide on how to get a refund from myFICO. Check it out!
The Easiest Way to Cancel myFICO
If you’re frustrated trying to cancel your subscription, membership, or bill from myFICO—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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