User Guidelines & General Information topics

myFICO Fitness Challenge for 2013

Sarah — Tue, 01 Jan 2013 22:07:20 GMT

Happy New Year!

The official myFICO Fitness C hallenge 2013 is underway! Click here to get started, and make 2013 the year you reach your financial goals!

Forums will be temporarily unavailable on 6/24

Sarah — Fri, 22 Jun 2012 17:06:24 GMT

Hey folks - we're doing some routine site maintenance, and as a result, most of myFICO.com will be unavailable for a short period of time in the wee hours this weekend.

The planned downtime will start at 2am Pacific Time on Sunday, June 24th, and will last for a few hours. It will most likely be back up by the time the majority of you are making your Sunday morning pancakes and coffee!

New: myFICO Customer Focus Group

Sarah — Thu, 07 Jun 2012 21:58:11 GMT

Greetings, forum members!

myFICO is assembling a new Customer Focus Group to gain insights on our products, customer needs, and future developments. Participation is voluntary, and consists of filling out a brief survey once or twice a month. If you’d like to join this new Customer Focus Group, send an email to survey@myfico.com with “Focus Group” in the subject line – you do not need to provide your name or other info at this time. Anyone interested in myFICO can join; should you choose to participate, you’ll receive your first survey in the next 7-10 days.

Please note: any information you provide in the surveys will remain confidential; we will not sign you up for any email lists, or contact you for any purpose other than providing the newest survey.

Feel free to send me a PM if you have any additional questions.

Congrats are in order for....

Barry — Wed, 22 Feb 2012 23:22:45 GMT

...our newest volunteer Moderator: LIGHTNIN!

...and our newest Community Leaders: tinuviel, pizzadude and -Cain-

It is a pleasure to be able to acknowledge in this way the many contributions these members have made to the community. Their willingness to further assist the CL and Mod teams is greatly appreciated, and I wish them much success in their new roles!

Welcome and congrats!!!

-Barry

Frequent Contributor and custom avatar

mod-moose — Tue, 24 Jul 2012 21:54:50 GMT

MyFICO community members,

We have now enabled Frequent Contributor to upload their own images as an avatar!

If you have the rank of Frequent Contributor and would like to change your icon to a custom avatar, click "My Settings", then "Avatar" tab. Avatars will be limited to 60x60 pixels, so please be aware of this while choosing an image for an avatar.

If you are using an image from your computer, here are the instructions for uploading images -> Images

Please make sure your icons are tasteful, and abide by all of the guidelines set forth in the Terms of Serviceand User Agreementfor the community.

If you have any further questions, please send a message to a moderator or administrator.

- myFICO Moderation Team

Coming Soon: New Member Ranks

Barry — Thu, 21 Jul 2011 08:23:39 GMT

Hello Everyone!

Is it just me or does it seem like we have we been using the same old member ranking system since, well… forever? Not just me? Okay, I have some good news then...

Seeing as how there have been more than 400,000 new members generating more than 800,000 new posts since the last set of ranks were created more than 4 years ago, we figured it’s time we recognized your dedication to the FICO Forums community in terms of participation and contributions by creating a ranking system that more closely acknowledges your true level of involvement here.

We'll soon be adding 12 new ranks (see below) and a more robust set of ranking criteria that (before you ask) will not be disclosed publicly. We hope you'll enjoy working your way up through these new ranks. And thanks to all of you for your contributions to the community!

-Barry

Epic Contributor

Mega Contributor

Super Contributor

Senior Contributor

Valued Contributor

Established Contributor

Frequent Contributor

Regular Contributor

Contributor

New Contributor

Valued Member

Established Member

Member

New member

Valued Visitor

Established Visitor

Visitor

New Visitor

Tips: How to Search

mod-moose — Fri, 18 Mar 2011 01:50:35 GMT

Searching

How do I search for information?

To search the Community, type keywords for your topic into the Search Community text box and click the search icon. A page of search results will be displayed. Browse the search results in the same manner you would a message board.

To perform a more in-depth search, click the Advanced link found on the left side of most pages. This search allows you to limit your query to a specific board, specific parts of the message (subject vs. body) and other advanced parameters.

You can also search for Community members by clicking the Users tab on any search results page and using the search options on this page.

How does auto-suggest work?

Auto-suggest accelerates your search by displaying results as you type search terms. When you see the post or user you're looking for, you can go to the post or the user's profile right from the auto-suggest results.

To turn auto-suggest off, click Turn off suggestions in the auto-suggest list.

To turn auto-suggest on, click Turn on suggestions below the search entry area.

How do I filter search results?

Interactive search filters on the left side of the page let you refine the search results based on a variety of criteria: location, author, date, and others.

Filtering results is as easy as clicking one (or more) of the search filters. Want to limit your search results to accepted solutions? Just click the check box for Solved. Want only the most recent results? Use one for the date filters to see results for a day or a week ago.

You can also filter your results by both individual authors or all results from members who have the same rank. For example, you could look for results by a specific community member, or look for all results written by community experts. Auto-suggest will help you as you type a screen name or rank.

Search filters work together, so you can see just the results in accepted solutions for the last month, for example. However, the filters for the type of post work a little differently than the others. If you choose Forums and Blogs, you see results from either forums or blogs (not results that are both forum and blog posts -- it would be hard to be both).

You can see which filters are active at the top of the results list. To turn a filter off, click the X (Remove) button to the right of the filter.

How can I customize search results?

There are a lot of ways you can customize your search results to make them more meaningful.

You can use the interactive filters on the left side of the page to refine the search results based on a variety of criteria: location, author, date, and others.
You can see which filters are active at the top of the results list.
You can turn an active filter off by clicking the X (Remove) button to the right of the filter.

How do I search for posts?

You can search for posts and knowledge base articles at any level of the community. When you type a search term, the system automatically searches at the current level. For example, if you're on the community front page, the system searches the entire community. If you're looking at a forum or blog page, the system searches that forum (and the associated knowledge base, if any) or blog.

Tip: Searches for posts always include relevant knowledge bases. However, you can also search just in knowledge bases.

To search for posts:

1. Choose the scope of the search in the drop down list to the left of the Search button.
You can search at the current level and above in the community.

2. Start typing the search term.
Auto-suggest shows the topics that match the term you're typing.
Tip: You can enter the full search term, or use an asterisk as a wildcard in your search.

3. If you don't see the term you're looking for in the auto-suggest list, click Search to see the full search results.

When you get your search results, you can use the filters on the left side of the page to limit the results as needed.

How do I search for people?

You can search for community members by name or by rank. The results show you profile capsules for the users who match your criteria. The name you search for must be at least three characters long.

To search for users:

1. Choose Users in the drop down list to the left of the Search button.

2. Start typing the name of an individual user or the name of a rank.

Auto-suggest shows the names of users who match the name you're typing. When you enter a rank, auto-suggest lists all users who have that rank.
Tip: You can enter the full user or rank name, or use an asterisk as a wildcard in your search.

3. If you don't see the user you're looking for in the auto-suggest list, click Search to see the full search results.

Forgot your Forums login or password?

Barry — Tue, 08 Mar 2011 23:34:10 GMT

If you have a "Forums only" login -- that is, you haven't provided myFICO with your SSN and haven't purchased from myFICO using this login -- and you've forgotten your login name or password, please send an email to ForumsAdmin@myfico.com containing the following information:

your Forums screen name
your first and last name
a phone number where you can be reached
the best time for us to call you (Mon-Fri 6 AM to 6 PM; Sat 7 AM to 4PM Pacific Time)

Upon receiving your email, we'll contact you by phone at the time you specify. Then once we've verified your identity, you'll be able to reset your login name or password and sign in to the community.

Thank you!

-Barry

myFiCO Privacy

mod-moose — Tue, 28 Sep 2010 04:51:59 GMT

Sometimes new members click on their profile and see all their personal information and panic that others can see this information too. Rest assure your profile settings are by default set so no one can see your private information. Unless you change your profile preferences in the privacy tab, no members can see your personal information.

Here are the default profile settings:

Show private information in profile to No One

Show email address to No One

Show online status to No One

We suggest that you log out and view your profile page to see what others see.

Welcome our new Community Leaders!

Barry — Fri, 06 Apr 2012 22:23:23 GMT

Hello FICO Forums members,

I’m happy to announce a new role within the FICO Forums community beginning today. It’s called Community Leader.

Our new Community Leaders will do the following:

Welcome new members by helping them navigate through the community and by directing them to useful information as they get started here;
Read all new posts daily to make sure they’re posted to the appropriate thread and are following our Terms of Service and other guidelines;
Inform the Moderators of any need for their intervention, i.e. moving/editing/removing posts as well as providing technical or other assistance.

The following Forum member has been chosen by our Moderator team as one of our Community Leaders:

laz98

You’ll be able to identify a Community Leader by their ranking and star appearing under their screen name and to the right of their avatar.

If any of you think you might be interested in becoming future Community Leaders, please send me a private message. I’ll also attempt to answer any questions about the Community Leader role here if you’d like to reply to this post.

-Barry

5 Things We Don't Talk About

Barry — Wed, 10 Sep 2008 00:31:31 GMT

To maintain the spirit of friendliness and support that makes the FICO Forums the kind of place we've come to value, please be respectful of others by avoiding references to certain topics that might be offensive or hurtful. These topics include, but are not limited to:

* Race
* Nationality
* Sex
* Religion
* Politics

Thanks for contributing positively to the FICO Forums. :)

Message Edited by Barry on 09-09-2008 05:31 PM

FICO Forums Technical Help

Barry — Fri, 13 Jun 2008 01:12:41 GMT

FICO Forums Technical Help

Administrators and Moderators

Raine — Mon, 22 Apr 2013 21:22:18 GMT

Admins:
If you have questions or concerns about the moderation team or the forums, these are the people you want to contact:

Mike_C is the current myFICO admin.

KaLin is the Lithium admin.

Moderators:

All of our moderators are volunteers and started out as regular community members. They have been selected by the the FICO Forums staff to enforce the community guidelines and help our community members. If you have any questions, please feel free to contact them!

Community Leaders:

Tip: How to find your posts

Raine — Thu, 01 May 2008 16:41:19 GMT

Navigating these forums can be difficult at times. With the recent board restructuring, multiple threads have been moved to their new home boards. This can make finding your posts more difficult than before. Here is a tip to help you find your posts and threads.

Under the header "FICO Forums", click on your name (next to "Logout" ). This will take you into your user profile.

At the very bottom of your profile you will see "Recent Posts by Me". Click "Find all posts by this user", and you will be taken to your post tracker. Every post you have in this community is listed here, even if it has been moved.

For more fun tips, click here or click on the "Help" link on the line that says Your Login Name > Logout · My Profile · Dashbord · Help

-- Raine

Message Edited by Raine on 05-01-2008 09:41 AM

Common Abbreviations

Barry — Fri, 03 Aug 2012 21:47:41 GMT

Common Abbreviations

AA = Adverse Action

AAoA = Average Age of Accounts
AFAIK = As far as I know

AG = Attorney General
APR = Annual Percentage Rate
AR = Account Review
AU = Authorized User
BADDIE = Any negative or derogatory item on your report
BBB = Better Business Bureau
BK = Bankruptcy
BT = Balance Transfer
BTW = By the way
BUMP = Used by someone when they are looking for an answer to the thread, but have not received one yet
CA = Collection Agency
CBR - Credit Bureau Report
CC = Credit Card
CCC = Credit Card Company
CCCS = Consumer Credit Counseling Services
CFL = Consumer Finance Loan
CL = Credit Limit
CLD = Credit Line Decrease
CLI = Credit Line Increase
CMRRR = Certified Mail Return Receipt Requested
CO = Charge Off

CR = Credit Report

CRA = Credit Reporting Agency ( TransUnion, Equifax, Experian)
CRO = Credit Repair Organization
CRTP = Credit Reporting Time Period

CS = Customer Service or CreditSecure(R) (depends on context)

CSR = Customer Service Representative

DD = Dear Daughter
Derog = Derogatory
DH = Dear Husband
DMP = Debt Management Program
DOFD = Date of First Delinquency
DOLA = Date of Last Activity

DS = Dear Son
DTI = Debt to Income
DV = Debt Validation
DW = Dear Wife
EQ (also EFX) = Equifax
EX (also EXP, XPN) = Experian
FA = Fraud Alert
FAKO = Generic credit score, not a true FICO
FC = Foreclosure
FCRA = Fair Credit Reporting Act
FDCPA = Fair Debt Collections Practices Act
FI = Fair Isaac
FR = Financial Review

FSR, FS&R = Friendly, Supportive & Respectful
FTC = Federal Trade Commision

FWIW = For What It's Worth
GC = Green Card from Certified Mail
GL = Good Luck
GW = Good Will
HELOC = Home Equity Line of Credit
HIPAA = Health Insurance Portability and Accountability Act

HP = Hard Pull

HTH = Hope This Helps
IIB = Included in Bankruptcy
IME = In my experience

IMHO = In My Humble Opinion
IMO = In My Opinion

INQ = Inquiry
ITS = Intend to Sue
JDB = Junk Debt Buyer
JK = Just Kidding

JMHO = Just My Humble Opinion

JMO = Just My Opinion
LOC = Line of Credit
LOL = Laughing Out Loud
LTV = Loan to Value
OC = Original Collector or Original Creditor
OP = Original Poster or Original Post
MOV = Method of Validation
OT = Off Topic
PC = Product Change

PFB = Planet Feedback
PFD = Pay For Delete
PIF = Pay in Full
PL = Personal Loan
PM = Private Message
PP = Permissible Purpose

PR = Public Record

RECON = Reconsideration
SOCK DRAWER = Where you put CC's that you won't be using for a while
SOL = Statute of limitations
SP = Soft Pull

RTC101T= Read the Credit 101 Thread
SW = ScoreWatch
TC = TrueCredit
TD = Turned Down
TL = Tradeline.. An entry in your credit history.
TU = TransUnion
UTL, UTIL = Utilization of debt to credit line
WO = Write Off
YMMV = Your Mileage May Vary

Message Edited by fused on 11-23-2009 08:31 AM

FICO FORUMS CREDIT REPAIR DISCUSSION GUIDELINES

Barry — Tue, 02 Sep 2008 18:25:27 GMT

FICO FORUMS CREDIT REPAIR DISCUSSION GUIDELINES

Dear FICO Forums Community,

Welcome to the FICO Forums!

What we offer here is a lot of great advice by folks who have been there and done that when it comes to experiencing the ups and downs of real life in the world of credit -- and want to share what they’ve learned about what helps and hurts your FICO score.

Please note that Fair Isaac and myFICO are not credit repair organizations or similarly regulated organizations governed by the federal Credit Repair Organizations Act or similar state laws.

Fair Isaac and myFICO do not provide so-called "credit repair" services or advice or give assistance regarding "cleaning up" or "improving" your credit record, credit history, or credit rating.

The only credit repair discussions allowed in FICO Forums are ones that exchange information on how to correct or remove real errors from your credit report – not accurate information that you want to get rid of because it may be negatively affecting your credit score.

Additionally, we cannot allow postings that include the promotion of any credit repair organization or the posting of links to web sites that promote any credit repair actions that are not allowed in these Forums.

When posting, please follow our User Guidelines:

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.

And please observe our Terms of Service:

Posting to FICO Forums

Users of FICO Forums agree not to upload, post, or otherwise transmit any content (including but not limited to text, links, communications, software, images, sounds, data, or other information) that includes any of the following inappropriate content:

Promotion of a credit repair organization, as defined in the federal Credit Repair Organizations Act or similar state laws, or the services of such an organization;

If you have any questions about what's allowed here and what's not, please feel free to send a private message to a moderator or admin -- or simply post your question to the community in the Rebuilding Your Credit board.

Thanks for following these guidelines!

Message Edited by Barry on 09-02-2008 11:25 AM

Welcome to the myFICO® Forums

Barry — Tue, 18 Dec 2012 00:03:53 GMT

Welcome to the myFICO® Forums

myFICO® provides the myFICO® Forums as an educational and entertaining platform for people to share their credit knowledge and personal financial experiences with other members of this online community.

myFICO encourages you to visit the myFICO Forums often to read and participate in discussions about such credit and personal finance concerns as:

Understanding FICO credit scoring
Using myFICO products
Credit reporting
Applying for credit
Resolving financial difficulties

We at myFICO believe that through credit education and by taking greater individual control of personal finances, people are better able to achieve the financial goals that will help to enrich and fulfill their lives.

We hope you enjoy the myFICO Forums!

-The myFICO Team

Message Edited by Barry on 05-10-2007 08:52 AM

myFICO® Forums User Guidelines

Barry — Tue, 18 Dec 2012 00:08:01 GMT

myFICO® Forums User Guidelines

Our Mission

myFICO® provides the myFICO 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 the myFICO 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 the myFICO Forums!

Welcome to myFICO Forums

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

Questions about myFICO Forums

New myFICO 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 myFICO Forums participants as part of this registration process is governed by our myFICO 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 myFICO 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 myFICO 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 myFICO Forums.

Credit Repair

myFICO 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 myFICO Forums.

Moderators

myFICO may monitor postings to myFICO Forums for the purpose of maintaining an orderly arrangement of the information being shared and ensuring that community members adhere to the myFICO 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, myFICO Forums User Guidelines, or other matters to help users have a successful and productive experience in the myFICO Forums.

Failure to comply with guidelines

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

Disclaimer of warranties and limitation of liability

Most of the material in myFICO 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 myFICO 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 myFICO 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 myFICO Forums Terms of Service and myFICO Terms of Use.

Message Edited by Barry on 03-04-2007 03:40 AM

myFICO® Forums Terms of Service

Barry — Tue, 18 Dec 2012 00:09:24 GMT

myFICO® Forums Terms of Service

Your use of FICO® Forums [“FICO Forums”] is governed by these FICO® Forums Terms of Service, together with the myFICO® Privacy Policy and myFICO® Terms of Use [collectively, the "Terms"]. The Terms describe the permitted and prohibited uses of FICO Forums, among other things. Your access or use of FICO Forums evidences your acceptance of the then-current version of the Terms, and any related rules and guidelines posted on the myFICO web site [the “Site”].

myFICO reserves the right to modify the Terms at any time, effective upon posting of the modified Terms on FICO Forums or, in the case of the myFICO® Privacy Policy or the myFICO® Terms of Use, on any other myFICO sponsored Web site. myFICO also reserves the right to apply, waive, or modify these Terms as they apply to a specific posting and user without affecting the application of these Terms to all other postings and users.

"Posting" means, but is not limited to, any text, links, images, communications, opinions, software, data, and any other content any person provides on FICO Forums, including, but not limited to message boards, chats, blogs, or otherwise. Your use of FICO Forums, or any materials or services accessible through it, after a Posting or notification regarding modifications to the Terms constitutes your acceptance of those modifications. Your violation of any of the Terms may result in the suspension or termination of your access or use of FICO Forums.

Using FICO Forums

FICO Forums is intended to provide consumers with the opportunity to exchange useful and helpful information. myFICO does not read or review every posting; however, we may edit or remove any posting we consider, in our sole discretion, to violate the Terms or be inappropriate for FICO Forums for any reason.

Appropriate Conduct

Users of FICO Forums are responsible for exercising careful and appropriate judgment in evaluating and taking action based on other participants' postings on FICO Forums, since such postings may reflect significantly different levels of knowledge and experience by participants. Users of FICO Forums agree that myFICO is not responsible for the accuracy of the content of FICO Forums and will not be liable for any damages incurred as a result of their use of any such content. Participants may post hypertext links to content hosted and maintained by third parties. myFICO has no obligation to monitor these linked sites, and is not responsible for them. Accessing any such linked sites is done entirely at the user’s own risk.

Posting to FICO Forums

Users of FICO Forums agree not to upload, post, or otherwise transmit any content (including but not limited to text, links, communications, software, images, sounds, data, or other information) that includes any of the following inappropriate content:

Discussions including race, nationality, sex, religion, politics;

Any personal information belonging either to the poster or another person not considered a "public figure", including, but not limited to, full name, address, phone number, email address, social media accounts (Facebook, Linkedin, etc.);

Promotion of a credit repair organization, as defined in the federal Credit Repair Organizations Act or similar state laws, or the services of such an organization;

Spam, such as advertisements for other web sites and services, or other solicitation; chain letters, pyramid schemes, or securities offerings

Profanity; material that is libelous, fraudulent, unlawful, defamatory, pornographic, obscene, profane, abusive, offensive, threatening, hateful, or otherwise objectionable;

Discussion of illegal or unethical activities or providing links to other websites containing such information;

Posting a link to the poster’s personal blog or web site without explicit permission from a FICO Forums administrator;

Posting a link directing users to any information or content that, if posted on FICO Forums, would constitute a violation of the Terms or of any State or Federal law;

Material, the posting of which violates any party’s copyright or other intellectual property rights;

Posting, publishing, uploading, reproducing, transmitting or distributing in any way any content belonging to myFICO, or derivative works with respect thereto;

Posting or transmitting any information or software containing a virus, worm, Trojan horse, or other damaging or destructive component;

"Bombing” FICO Forums or individual threads with repetitive or meaningless postings, postings unrelated to the purpose of FICO Forums, excessive cross-posting;

Attacks, including “Flaming” another user or entity in such a way as to incite or perpetuate an argument or conflict; creating usernames to attack other users’ identities; impersonating other individuals or falsely representing one’s identity or qualifications; posts made under secondary user names or other aliases for the purpose of either endorsing or denigrating others; posts that breach any participant’s privacy by including name, address, phone, email address, or any other identifying information.

Registration Requirements

While registration is not required to read postings on FICO Forums, users must register an account with myFICO in order to post to FICO Forums.

myFICO may refuse to grant you, and you may not use, a user name that is already being used by someone else, belongs to or impersonates another person, violates the intellectual property or other rights of any person (including but not limited to trademark rights), is offensive, or that myFICO rejects for any other reason in its sole discretion. Participants agree that all information provided in a profile is accurate, up to date, and complete, and that it will be kept updated. myFICO may terminate your account if any of the information provided is found to be inaccurate, out of date, or incomplete.

Privacy Concerns

myFICO strongly discourages users from posting personally identifiable information on FICO Forums. Any information posted on FICO Forums is at the user’s own risk. myFICO respects and protects the privacy of our customers and those who use our Web sites, and the myFICO® Privacy Policy provides details of our approach to privacy and how we collect, use and protect personal information. But information posted on FICO Forums is not protected and can be easily obtained and used by others.

Moderators

myFICO reserves the right to manage the postings on FICO Forums to provide an orderly presentation of this information. To effectively manage FICO Forums, myFICO may designate employees to act as moderators and administrators for FICO Forums [“Moderators”]. These Moderators are the only representatives of myFICO authorized to manage FICO Forums. Any myFICO employees who are not designated as Moderators are not authorized to represent themselves on FICO Forums as myFICO employees. myFICO is not responsible for content provided by any myFICO employee who is not designated as a Moderator.

Community Monitoring

Users are asked to help myFICO keep FICO Forums a valuable and enjoyable information resource for all participants by notifying us of any offending messages or other violations of these Terms. To advise us of such a posting, click the confidential “Report Abuse to a Moderator” link on the applicable post. Repeat offenders will be contacted by email and eventually banned from FICO Forums. If violations are egregious in nature, we will contact the appropriate authorities.

Modification and discontinuance of FICO Forums

myFICO reserves the right at any time to delete, modify, suspend, or discontinue, temporarily or permanently, FICO Forums (or any part of FICO Forums, including any postings) with or without notice. Users agree that myFICO will not be liable to users or third parties for any modification, suspension, or discontinuance of FICO Forums.

Termination

A user’s privilege to utilize or access FICO Forums may be terminated by myFICO immediately and without notice if the user fails to comply with any term or condition of the Terms. Upon such termination, the user must immediately cease accessing or utilizing FICO Forums and agree not to re-register or otherwise make use of FICO Forums. Furthermore, the user acknowledges that myFICO reserves the right to take action -- technical, legal, or otherwise -- to block, nullify, or deny the user’s ability to access FICO Forums. The user understands that myFICO may exercise this right in its sole discretion.

Disclaimer of Warranties and Limitation of Liability

MOST OF THE CONTENT POSTED TO FICO FORUMS IS PROVIDED BY THIRD PARTIES NOT AFFILIATED WITH MYFICO. THIRD-PARTY CONTENT IS THE SOLE RESPONSIBILITY OF THE PERSON ORIGINATING THAT CONTENT. THE USER AGREES THAT MYFICO DOES NOT CONTROL, AND IS NOT RESPONSIBLE IN ANY WAY FOR, THIS THIRD-PARTY CONTENT. ADDITIONALLY, THE USER AGREES THAT MYFICO IS NOT LIABLE FOR, AND THE USER SHALL INDEMNIFY AND HOLD MYFICO, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES HARMLESS FROM ANY CLAIM, INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY RELATING TO OR ARISING OUT OF CONTENT SUBMITTED, POSTED, TRANSMITTED, OR MADE AVAILABLE THROUGH FICO FORUMS, USE OF FICO FORUMS, VIOLATION OF THE TERMS OR VIOLATION OF ANY RIGHTS OF ANOTHER. THE CONTENT ON FICO FORUMS IS "AS IS" AND CARRIES NO WARRANTIES. MYFICO DOES NOT WARRANT OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, OR QUALITY OF ANY CONTENT ON FICO FORUMS, REGARDLESS OF WHO ORIGINATES THAT CONTENT. MYFICO DOES NOT WARRANT THAT FICO FORUMS IS SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, OR OTHER LIMITATIONS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOU BEAR ALL RISKS ASSOCIATED WITH USING OR RELYING ON THAT CONTENT. MYFICO IS NOT LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY CONTENT POSTED ON OR LINKED FROM FICO FORUMS, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN CONTENT, OR FOR ANY LOSSES OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF OR RELIANCE ON ANY CONTENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MYFICO AND ITS REPRESENTATIVES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES RELATING TO LOSS OF BUSINESS, TELECOMMUNICATION FAILURES, LOSS, CORRUPTION, SECURITY OR THEFT OF DATA, LOSS OF PROFITS OR INVESTMENT, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, PRODUCT LIABILITY, OR OTHERWISE, EVEN IF MYFICO OR ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN MYFICO AND THE USER.

Miscellaneous

The Terms are a complete statement of the agreement between you and myFICO, and set forth the entire liability of myFICO and your exclusive remedy with respect to your access and use of FICO Forums. In the event of a conflict between these FICO Forums Terms of Service and either the myFICO® Privacy Policy or the myFICO® Terms of Use applicable to myFICO, these Terms of Service prevail. The agents and employees of myFICO (including Moderators) are not authorized to make modifications to the Terms, or to make any additional representations, commitments, or warranties binding on myFICO. Any waiver of the Terms by myFICO must be in a writing signed by an authorized officer of Fair Isaac Corporation and expressly referencing the applicable provisions of the Terms. Your privilege to use or access FICO Forums may be terminated by myFICO immediately and without notice if you fail to comply with any of the Terms. Upon such a termination, you must immediately cease accessing or using FICO Forums. If any provision of the Terms is invalid or unenforceable under applicable law, then it is to be, to that extent, deemed omitted, and the remaining provisions will continue in full force. The Terms do not limit any rights that myFICO may have under trade secret, trademark, copyright, patent, or other laws.