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FICO Customer FAQ

Top Answers & How-to Guides

What is FICO's Phone Number?

The question we are asked most often is about how to talk to FICO customer service. Click here for contact information, email and chat options, getting a live person, wait times and more.
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Recent FICO Customer Questions

Reporting late payments incorrectly

Credit reporting, including late payments, is handled by the three major credit bureaus, not by FICO. FICO creates the FICO Score based on the information in your credit reports. If you believe late payments are being reported incorrectly, you should contact the credit bureaus directly to dispute the inaccuracies. They are responsible for correcting any errors in the credit report. Please keep in mind that accurate negative information, such as late payments, can remain on your credit report for seven to ten years.
Asked Mar 19, 2024 11:22 PM

Help me with my FICO customer service issue

FICO Score Basics

How is my FICO score calculated?

FICO scores are determined by a formula that includes factors such as payment history, credit utilization, length of credit...

What is a good FICO score?

A good FICO score is generally between 700 and 749, suggesting responsible borrowing and better loan terms. Scores above 750...

What is the maximum FICO score I can achieve?

The highest possible FICO score is 850, reflecting exceptional creditworthiness, though very few achieve this. Scores range...

FICO Score Importance

Why is having a good FICO score important?

A good FICO score is crucial as it helps determine creditworthiness, making it easier to secure loans and credit cards. A high...

What resources are available for understanding credit scores?

FICO offers numerous resources to help individuals understand credit scores, including detailed articles and guides on score...

FICO Score Maintenance

How often is my FICO score updated?

Your FICO score is typically updated whenever lenders report new details to credit bureaus, which is usually monthly. Changes...

What factors affect my FICO score?

Several important aspects impact a person's FICO score, including payment history, credit utilization, length of credit...

Can my FICO score be different between credit bureaus?

Yes, FICO scores can vary between the major credit bureaus due to differences in reported data, the timing of updates, and the...

How does my credit utilization affect my FICO score?

Credit utilization significantly influences a person's FICO score by comparing used credit to available credit. Maintaining a...

Accessing FICO Scores

Can I see my FICO score for free?

FICO does not directly offer free access to its scores, but some financial institutions and credit services may provide it as...

Can I get my FICO score analyzed?

FICO does not provide personalized score analysis, but individuals can access their scores through banks or credit monitoring...

Negative Items Management

How long do negative items stay on my FICO report?

Negative items can affect your FICO Score for varying durations, typically seven years for late payments and collections, while...

Can I remove negative items from my FICO report?

Negative items on a FICO report remain for set durations, but consumers can dispute inaccuracies to possibly remove them....

Improving Credit Health

What tools do you offer to help improve my FICO score?

FICO provides various tools aimed at helping individuals enhance their FICO Scores, such as the FICO Score Simulator, which...

Are there any products to help monitor my credit health?

FICO provides various tools to help monitor credit health, including credit scores and alert systems for significant changes on...

How can I freeze my credit report?

To freeze a credit report, contact the three major credit agencies, which require personal details. A PIN may be needed to lift...
We look to the FICO issues that customers have reported to GetHuman to decide which questions are the most common and how much time to spend researching how to solve them.
FICO issues reported to GetHuman
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