What is "FICO"?
FICO is a company that helps people manage their financial health by offering products that include credit scores and monitoring services. They provide subscriptions that allow you to keep track of your credit and identity to ensure you're in good shape financially. If you see a charge from FICO, it's likely for one of these helpful services that keep you informed about your credit status.
- FICO: This refers to the FICO score, a common credit scoring model used to determine a consumer’s creditworthiness.
- Credit Score: A numerical value that reflects how reliable you are at paying back borrowed money.
- Consumer: This term relates to the individual or everyday user, like you, who is borrowing money or using credit.
- Transaction: This indicates an action involving borrowing or lending money, typically recorded by a financial institution.
- Descriptor: This part indicates how the transaction is labeled or categorized by a bank or financial service.
Verify With Receipt
The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which Chargeback can help you find by searching your email accounts.
Chargeback helps you identify unwanted subscriptions and charges, and help you fight them to get your money back.
Why do people get charges like this from FICO?
- Subscription Services - Customers may get charged for monthly or annual subscriptions to credit monitoring or identity theft protection services.
- Credit Report Access - Charges may occur when users request additional access to their credit report or credit score through FICO.
- Free Trials - Some users report being charged after failing to cancel free trial periods before they expired.
- Inadvertent Purchases - Users may accidentally sign up for services while navigating the site, leading to unexpected charges.
- Multiple Accounts - Customers may forget about existing accounts or create new ones, resulting in charges from both accounts.
- Trial Extensions - Some trials automatically convert to paid subscriptions if not canceled within a certain timeframe.
- Additional Services - Optional features for enhanced credit monitoring or alerts might incur extra costs that some users may not be aware of.
If I see this charge, what should I do?
If you see this charge and aren’t expecting it, you have various options.
First, try to contact the fico.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.
If the fico.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with fico.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.
If this sounds like too much of a hassle, you can have Chargeback do it for you.
FICO Customer Service Info
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
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