How to Cancel myFICO in 2026

myFICO charges $29.95-$39.95/month for credit score monitoring — up to $480/year for something most banks give you for free. Here's how to cancel and where to get your FICO scores without paying.

Cancel myFICO

Go to myfico.com → sign in
Click Account → Product Management
Click Cancel next to your subscription
Complete the cancellation flow (they will offer discounts)

Cancel by Phone

If the website makes it difficult, call 1-800-319-4433. Be prepared for retention offers — myFICO will try discounts and free months to keep you.

myFICO Pricing (Why It's Overpriced)

Basic ($19.95/mo): 1-bureau FICO score + report (quarterly updates)
Advanced ($29.95/mo): 3-bureau FICO scores + reports (monthly updates)
Premier ($39.95/mo): 3-bureau, all FICO score versions, daily monitoring

At $480/year for Premier, myFICO is one of the most expensive credit monitoring services available.

Get Your FICO Score for Free

You almost certainly already have free access to your FICO score:

Your bank or credit card: Chase, Citi, Bank of America, Discover, Capital One, American Express, and Wells Fargo all provide free FICO scores
Experian.com: Free FICO Score 8 (the most commonly used version)
AnnualCreditReport.com: Free weekly credit reports from all 3 bureaus
Credit Karma: Free VantageScore (not FICO, but close enough for monitoring)
Discover Credit Scorecard: Free FICO score even if you're not a Discover customer

💡 The truth about credit scores: Unless you're about to apply for a mortgage (where different FICO versions matter), the free FICO score from your bank is all you need. Paying $480/year for 28 different FICO score versions is overkill for 99% of consumers.

When myFICO Actually Makes Sense

Mortgage shopping: Subscribe for 1 month to see all FICO versions, then cancel
Credit repair: Monitor progress across all bureaus, then cancel once stable
Identity theft recovery: Temporary monitoring while resolving fraud

In all these cases, subscribe monthly for only the months you need it — don't let it auto-renew year after year.

Annual Savings: $240-$480/Year

Canceling myFICO saves $240-$480/year. Since most banks provide free FICO scores and AnnualCreditReport.com gives free credit reports, there's rarely a reason to pay for this service long-term.

🔍 Credit monitoring is one of the most common unnecessary subscriptions. Upload your bank statement to JustCancel — we'll find myFICO, Credit Karma Premium, LifeLock, and every other recurring charge.