Fair Isaac
Information Technology
66
out of 100. Number 70 of 512, counting from the worst.
Where Fair Isaac does well
- FICO's privacy policy states 'We do not sell personal data and have not sold personal data during the last 12 months' — an explicit no-sale statement many peers lack.
- Cancellation is available online, in the iOS/Android app, or by phone — no call-to-cancel trap in the current terms.
- In arbitration, FICO pays all AAA filing, administration, and arbitrator fees for non-frivolous claims and will reimburse or advance the consumer's filing fee.
- Privacy rights (deletion, access, correction) are honored, and biometric identity-verification data is deleted within 90 days while customer-care call recordings are kept only two weeks.
All disputes go to private binding arbitration, never court or a jury; you cannot join a class action, and the arbitration clause survives even after you cancel your account.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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All disputes go to private binding arbitration, never court or a jury; you cannot join a class action, and the arbitration clause survives even after you cancel your account. There is no opt-out mechanism.
YOU AGREE THAT ANY DISPUTE OR CLAIM ARISING OUT OF OR RELATING IN ANY WAY TO THIS AGREEMENT, OR THE SITE OR THE PRODUCTS YOU ORDER... MUST BE RESOLVED EXCLUSIVELY BY BINDING ARBITRATION... YOU AGREE THAT YOU WILL NOT BE ALLOWED TO FILE A CLASS ACTION OR ANY KIND OF CLASS OR JOINT ARBITRATION... This arbitration provision shall survive termination or expiration of this Agreement.
Customer Agreement (myFICO Customer Agreement), Section 13 Arbitration
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Not only is your dispute forced into arbitration, you are also barred from disclosing anything about it — proceedings, findings, decisions, or settlements stay secret.
ANY DISPUTE OR CLAIM, AND ANY PROCEEDING, FINDING, DECISION, SETTLEMENT, OR ANY INFORMATION RELATING IN ANY WAY TO THE FOREGOING SHALL BE TREATED AS CONFIDENTIAL INFORMATION AND SHALL NOT BE DISCLOSED.
Customer Agreement (myFICO Customer Agreement), Section 9 Confidentiality / Section 13 Arbitration
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Subscriptions auto-renew at whatever price FICO currently charges — with no notice at all — and canceling a monthly or quarterly plan yields zero refund of anything already paid.
IF YOU DO NOT CANCEL YOUR SUBSCRIPTION PRIOR TO THE END OF THE SUBSCRIPTION PERIOD, IT WILL BE AUTOMATICALLY RENEWED FOR SUCCESSIVE ANNUAL, QUARTERLY, OR MONTHLY PERIODS, BASED ON YOUR INITIAL SUBSCRIPTION PERIOD, AT THE THEN-CURRENT PRICE FOR SUCH PRODUCT WITHOUT FURTHER NOTICE.
Customer Agreement (myFICO Customer Agreement), Section 5.c Subscription Products and Cancellation
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Your credit report and score — some of the most sensitive personal data you have — can be mined for product development, customer analysis, and used to pitch you offers for FICO's own and third-party products.
You authorize us (and our third party service providers) to access and use data you provide us and/or your credit profile (including your credit report(s) or credit score(s))... for product development and improvement, updates to user experience, customer analysis and recommendations... including for providing you offers for products or services, including third-party products or services, based upon data you provide us and/or your credit profile including your credit report(s) or credit score(s).
Customer Agreement (myFICO Customer Agreement), Section 2 Authorization to Obtain and Use Your Data
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FICO can rewrite the rules at any time just by posting them — continuing to use the site counts as agreement — and it can swap the companies actually handling your credit report data without telling you.
FICO reserves the right to change these Website Terms of Use at any time, and by continuing to use the Site after we post a change, you will be deemed to have accepted the new Website Terms of Use... FICO reserves the right to change Providers at any time without providing notice to you.
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Even if the law normally gives you years to bring a claim, FICO shortens it to 12 months — miss it and your claim is 'forever barred'.
You agree that, even if a statute of limitations or other law provides for a longer time period, any action against FICO... must be brought within 12 months after the event that gave rise to the cause of action or it is forever barred.
Customer Agreement (myFICO Customer Agreement), Section 12 Governing Law; Statute of Limitations
How these were found
Documents read directly from myfico.com on Oct 1, 2026 (no mirror used). Customer Agreement (https://www.myfico.com/Include/Store/Legal/TermsAndConditions) and Website Terms of Use (https://www.myfico.com/policy/terms-of-use/) show no visible effective/last-updated date in the fetched text; the Terms of Use footer reads 'Copyright 2002- FICO'. The Privacy Policy and Data Protection Guidelines (https://www.myfico.com/policy/privacy-policy/) states 'last updated and effective as of July 2026'. Section numbers cited are from the documents themselves. No free-trial-specific terms appear in the current Customer Agreement; historical forum complaints about the 10-day ScoreWatch trial were not used as findings. The myFICO forums are FICO-hosted but user-generated and were used only for background context, never as findings.
These notes come from the original draft and are not independent verification.