FICO® Forums User Guidelines

Our Mission

myFICO® provides FICO Forums as an educational and entertaining platform for U.S. consumers to share their credit knowledge and credit-related personal experiences with other members of this online consumer community.  We encourage you to visit FICO Forums often to read and participate in discussions about such credit issues as FICO credit scoring, credit bureau reporting, applying for credit, resolving financial difficulties, and other topics of interest to this community.  It is our belief that through credit education and taking greater individual control of personal finances, consumers are better able to achieve the financial goals that will help to enrich and fulfill their lives. We hope you enjoy FICO Forums!

Welcome to FICO Forums

To ensure that FICO Forums remains useful and enjoyable for all online community members, upon registering you will be expected to observe the following FICO Forums User Guidelines:

Questions about FICO Forums

New FICO Forums participants with questions about posting to the message boards are encouraged to read our FAQs or simply post a message and a community member or Moderator will be glad to help.

Registration and privacy

While no registration is required to view the forums, participants wishing to post a message must register by creating an account with myFICO.com.  The personal information provided by FICO Forums participants as part of this registration process is governed by our FICO Forums Terms of Service, myFICO Privacy Policy and myFICO Terms of Use.  This personal information is not shared with third parties unrelated to myFICO for use for their own marketing purposes without the participant’s consent.

Ideas, opinions, and viewpoints of participants

The ideas, opinions, and viewpoints expressed in FICO Forums belong solely to its participants.  Fair Isaac Corporation does not necessarily agree or disagree with, or in any way endorse comments posted to these forums; nor is myFICO responsible for the accuracy of the content of the forums or liable for any damages resulting from following recommendations posted by community members on FICO Forums.

Inappropriate material

In the spirit of a healthy and helpful community, profanity, spam, personal attacks, flaming, and other inappropriate postings are not tolerated.  Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in FICO Forums.

Credit Repair

FICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring.  This is not the place to exchange ‘credit repair’ advice that encourages consumers to provide untrue or misleading information to a credit bureau or lender for the purpose of raising FICO scores or otherwise improving credit ratings, credit histories or credit records. Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in FICO Forums.

Moderators

myFICO may monitor postings to FICO Forums for the purpose of maintaining an orderly arrangement of the information being shared and ensuring that community members adhere to the FICO Forums User Guidelines.  This monitoring is carried out by individuals designated as “Moderators” by myFICO and identified in the community by the “Moderator” title.  Moderators can also answer questions related to the forum software, FICO Forums User Guidelines, or other matters to help users have a successful and productive experience in the FICO Forums. 

Failure to comply with guidelines

Privileges to participate in FICO Forums may be terminated by myFICO immediately and without notice for failure to comply with any FICO Forums User Guidelines or myFICO Terms of Use.

Disclaimer of warranties and limitation of liability

Most of the material in FICO Forums is posted by third-party participants.  Such content is the sole responsibility of the originator of the material.  myFICO is not responsible for this third-party material; nor does it warrant or guarantee the accuracy, reliability, completeness, usefulness, non-infringement on intellectual property rights, or quality of any material that appears in FICO Forums, regardless of who originates the material.  Participants understand and agree to bear all risks associated with using or relying on the material.  myFICO will not be liable or responsible in any way for any content in the FICO Forums, including, but not limited to, any errors or omissions in the material, or for any losses or damage of any kind incurred as a result of the use of or reliance on any such material.  This disclaimer and limitation on liability is in addition to the disclaimers and limitations contained in FICO Forums Terms of Service and myFICO Terms of Use.