Keeping this quick: I wanted to find out my FICO score, and used the free offer from myfico.com. I decided to cancel, but had a bit of trouble doing so.
I will tell you what worked, and what didn’t. But here’s the quick answer: Call customer service directly at 1-888-577-5992.
How to cancel your “Score Watch® 10-Day Free Trial”
- From a U.S. phone, call 1-888-577-5992
- Prepare to wait on hold; remember, Mondays are generally the busiest days for this sort of business and request. I called on a Wednesday and was on hold for 23 minutes. I use Google Voice with a cheap but comfortable headset for a lot of my calls, so I don’t really mind waiting on hold.
- Have your personal information ready–Social Security Number, correct address.
- Give them the information.
- They will then give you their spiel to keep you from cancelling. Ignore it. You can say “No thank you.” Note: The fine print of my service agreement said that there was a minimum of 3 months of usage of the service, meaning I would have been charged almost $45 had I kept the service! (“What are the terms of the trial? You may cancel at any time during the 10-day trial period of Score Watch and pay absolutely nothing. Continue your subscription at only $14.95/month for a minimum of 3 months.” Um, why not just say $44.85, since there’s no way to pay less than that?)
- Get your Question Reference number.
- Check your email to make sure you received confirmation.
- In your next two credit card billing statements, make sure you weren’t billed.
How not to cancel your “Score Watch® 10-Day Free Trial”
Yeah, who needs to know how not to cancel the free trial? Well, if you follow the instructions you receive from myFICO, you probably won’t be able to cancel. And if you follow the click sequence of the myFICO.com website, you’ll just get the run-around.
Here is the information from myFICO about the terms of the agreement:
* About your 10-day free trial: You will not be billed unless you decide to keep Score Watch® beyond your 10-day free trial period. Your credit card information will only be used if you do not cancel prior to the end of your free trial – you can cancel at any time during your 10-day free trial. To cancel the trial offer, go to the Support Center and follow the instructions in the “How do I cancel my free score trial?” topic. IF YOU DO NOT CANCEL PRIOR TO THE END OF THE TRIAL PERIOD, YOU WILL BE BILLED AT THE THEN-CURRENT PRICE OF THE PRODUCTS OR SERVICES WITHOUT FURTHER NOTICE.
If you click Support, that will take you to the “Support Center”. From there, if you search for “cancel score watch”, you’ll see this result: How do I cancel my Free Score Trial ? Updated. (The “” makes you think you’re onto something!) So you click. And you get:
This, students, is a perfect example of the word disingenuous.
And here’s the text of that image for screen readers:
Thank you for my Free FICO Score. How do I cancel?
Please keep in mind before you cancel:
· FICO® offers this FREE FICO® Score & Credit Report to customers once in a two year period
· After you cancel, your monitoring and alerts will be terminated and you will not have online access to your score or credit report
· A true FICO® Score is the only one used by over 90% of banks in lending decisions. This is important because your scores will change as your credit report changes.
· If you continue to monitor your credit score with Fico® Score Watch® , you’ll be alerted when your score changes for any reason and you’ll know if unwanted or fraudulent activity shows up on your credit report so you can take action.
Learn more about ways that you can manage and improve your credit score
Was this answer helpful? Yes No
I clicked No, of course.
Finally, I clicked around and finally noticed this bit on the myFICO contact page:
You hid that well, myFICO.
You’ll notice that it says:
To cancel your product please call customer service at: 1-888-577-5992
Success! That’s it! As noted above, that’s what I did–called that number, waited on hold for 23 minutes, cancelled, declined appeal to keep the service, got confirmation number, checked email.
Email didn’t work, either
I saw a post online in which someone said emailing myFICO from the myFICO contact page would get the account cancelled. So I tried. I 2013-03-16, and now, five days later, I have yet to receive a reply.
Free credit report (for real)
By the way, don’t forget that you can get a free credit report from this company. Don’t use other services with stupid TV commercials; they’re not really free–they lure you in with a free trial, after which you’ll be billed.