29 ratings (29 Epinions reviews)
Epinions Product Rating: Disappointing
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    Highest Rated Consumer Review by the Community

  • How's your credit? Quick access to your credit report and FICO score.

    Oct 22, 2003 by
    Rated a Very Helpful Review
    Pros: Convenient, reasonably prices access to your credit report and FICO score.
    Cons: New federal law requires bureaus to provide free annual credit reports.

    Summary: [For some very important information, please read the section below titled Truly Free Credit Reports.] Your FICO Score Your "FICO score" is a numeric representation of your "financial responsibility" based on your credit history. ... read more

  • Inept and unresponsive customer service

    Aug 4, 2013 by
    Rated a Very Helpful Review
    Pros: None that I could find.
    Cons: The most inept customer service department I've ever encountered.

    Summary: Never got around to trying the service because I had a few questions first, and the customer support experience was so off-the-charts awful, I couldn't imagine how I could trust them with my data, or expect anything good to come of using the ... read more

  • Horrible Customer Service

    Mar 21, 2013 by
    Not yet rated.
    Pros: You do get your credit score
    Cons: Unethical customer service

    Summary: I signed up for the MYFICO score watch 10-day "free trial".  After I signed up, I was immediately given access to my credit score.  If all you want to see your credit score, sign up - look at your score - then cancel.  I went into the ... read more

  • Suggestions to myFico

    Mar 20, 2011 by
    Not yet rated.
    Pros: Free Trial was FreeTheir information was very helpfullSite was easy to use (mostly)
    Cons: Cancelling is confusing for no reason

    Summary: I received a survey for this company in my e-mail, and since I was a satisfied customer, I wanted to provide them with good feedback. SyGsm Original Survey Question: Do you have any suggestions to improve myFICO customer ... read more

  • Terrible customer service

    Feb 25, 2011 by
    Not yet rated.
    Pros: Good product
    Cons: Poor customer service
    No wish to value customer loyalty.

    Summary: I have used myfico for over a year and a half and was happy with the service and have had no problems. My issue started when I had my wallet stolen and had to cancel my bank card. While waiting for my new card my automatic monthly bill tried to pull the ... read more

  • Product is as advertised, but cancellation is a chore

    Feb 5, 2008 by
    Rated a Very Helpful Review
    Pros: Provides what seem to be reliable credit reports, Score Watch alerts in easy-to-decipher formats, etc.
    Cons: Company seems to intentionally make cancellation more difficult than it needs to be.

    Summary: I've had an experience similar to that described by other reviewers. The products seem to be fine (they function as advertised, etc.), but cancelling the ScoreWatch feature apparently requires labor. After years of carrying the ScoreWatch ... read more

  • My Fico, the one place for your true fico score

    Mar 23, 2007 by
    Rated a Very Helpful Review
    Pros: True Fico score, easy to use website
    Cons: Way too much on pages, have to fight with customer service.

    Summary: I have been using for a few years. They are the true FICO score site. Two of the three Credit Reporting Agencies use their own format for the scores they produce. These are not true to the scores that lenders use for car loans, mortgages and ... read more

  • bad company

    Feb 26, 2006 by
    Rated a Very Helpful Review
    Pros: They provide FICO scores.
    Cons: Customer service is horrible. Borderline dishonest company.

    Summary: I was shocked that such a well known company has such poor customer service and is so sleazy about canceling their monthly scorewatch subscription service. And their scorewatch service is not worth much anyway -- FICO scores vary day by day the ... read more

  • MyFico has TERRIBLE customer support, and they rip you off!

    Apr 12, 2005 by
    Rated a Very Helpful Review
    Pros: There really aren't any pro's, to be honest. Horrible.
    Cons: You don't really get much value for the money you're spending.

    Summary: NOTICE: THIS IS ANOTHER UPDATE! (05/04/05) My wife and I just noticed that MyFico is STILL withdrawing funds for the $7.95 from our account. This is after they agreed to cancel the account. In my opinion, they have gone from deserving a rating of 1 ... read more

  • The best deal I found for all 3 reports

    Apr 22, 2004 by
    Rated a Very Helpful Review
    Pros: Fast, friendly service. Best price for all three reports with all three scores.
    Cons: Doesn't show your final price before you give your credit card information.

    Summary: UPDATE: Starting December 1st, 2004, 13 western states were eligible to access (you will need to type this into your browser, not click the link directly, for security purposes) in order to receive a free, annual copy of their ... read more

  • Couldn't get report. NO REFUND GIVEN.

    Mar 9, 2004 by
    Rated a Very Helpful Review
    Pros: They know how to bill your credit card.
    Cons: Poor customer service. NO REFUNDS. Tech support that guesses what's wrong.

    Summary: I thought I'd get my 3 in one credit report with FICO score. I made the mistake of going to I entered my info and they verified my identity. When I went to get my report I got an error message saying that my information could not be ... read more

  • Express Customer Reviews

  • Policy subscription hidden!

    Nov 21, 2013 by
    Not rated yet
    Pros: Accurate credit reports
    Cons: Difficult to cancel. 3 month minimum subscription that is mandatory.

    Summary: I signed up for a trial and cancelled just one day after, so now I am being billed for three months for something that I wasn't aware of all because they did not disclose that there is a 3 month minimum subscription on any of their products! I absolutely ... read more

  • Free trial 3 month requirement

    Sep 14, 2013 by
    Not rated yet
    Pros: Easy to get Fico score.
    Cons: if you miss the 10 day window, end up paying for atleast 3 months.

    Summary: You have to call and cancel within 10 days of signing up for free trial, otherwise  subscription will start for 3 months. You can't cancel is before 3 months. Calling is the only way to ... read more

  • Shortsighted customer service

    Jul 19, 2012 by
    Not rated yet
    Pros: No long wait on the phone to reach customer service
    Cons: Lack of transparency, overcharging, very difficult to cancel the service once signed up

    Summary: The service has such a strong focus on maximizing the amount they're charging, that is happens at the expense of customer service and ends up hurting their long-term relationships with customers. The sneaky transition from trial period to monthly ... read more

  • Very Good Experience and Cancelling Was Easy

    May 27, 2012 by
    Not rated yet
    Pros: I got my fico score for free!
    Cons: None

    Summary: I created an account on to check my score, which I did with total ease.  Then, after deciding not to subscribe to their service with requires a monthly fee, I cancelled my account by email, which only required me to click on the help ... read more

  • RUN from MYFICO.COM!!!

    Feb 21, 2012 by
    Not rated yet
    Pros: Get to see your score
    Cons: It's a trap!!!!  Not worth the risk! No mercy and poor customer service!

    Summary: "Did the free trial with and was about 9 hours late in canceling my subscription. Tried my hardest to get out of the 3 month charge for their services (especially since my trial ended on a Sunday and I called them on Monday morning) however ... read more

  • This product is a SCAM!

    Sep 28, 2011 by
    Not rated yet
    Pros: None.
    Cons: Decietful business practices, zero customer servies, running a scam.

    Summary: If you are looking for credit monitoring, there are many more reputable options.  This used to be a good company but now they are engaging in unscrupulous practices to rob you of your money.  Example, deceiving you into thinking your buying a ... read more


    Sep 13, 2011 by
    Not rated yet
    Pros: This program was easy to find and easy to use (so I thought).
    Cons: After a month, I could not terminate.  Must do a three month minimum.  Really stinks!!!!

    Summary: Signed up for this to get my credit score.  Was easy to use and the price was not to bad (so I ... read more

  • Fico= no customer service, no accountability

    Sep 12, 2011 by
    Not rated yet
    Pros: None
    Cons: People should be able to actually talk to a human and resolve questions or concerns.

    Summary: I recently had interest rates increased based on my fico score. I still connot find out why my score dropped in three months when nothing changed in my credit history. The company that provided it stated it was someone elses fault that they don not ... read more

  • Free Trial

    Feb 7, 2011 by
    Not rated yet
    Pros: you can get great information about your fico and credit history and
    Cons: bad promise to cancel before trial, now have to call to get this removed

    Summary: I subscribed to myfico to get my fico score which was great.  I canceled in the trial period in which I should not have been charged based on what i read before i signed up.   after i canceled and the free trial was up my account was still ... read more

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