myFICO® Forums User Guidelines
Welcome! We’re glad you joined us.
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. It is our belief that through credit education and taking greater individual control of personal finances, consumers can achieve financial goals that will enrich their lives.
New myFICO Forums participants with questions are encouraged to read our FAQs. Or, simply post a message with your question and a community member or Moderator will be glad to help.
While no registration is required to view the forums, participants wishing to post a message must register by creating an account with myFICO.com.
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.
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.
Please see Terms of Service for full listing of inappropriate postings.
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.
To more effectively manage myFICO Forums, myFICO may designate employees or third parties to act as moderators and administrators for myFICO Forums (“Moderators”). This monitoring is carried out only by individuals designated as Moderators by myFICO and identified in the community by the “Moderator” title. myFICO Moderators 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. Moderators can also answer questions related to the myFICO Forums, myFICO Forums Terms of Service, or other matters to help users have a successful and productive experience in the myFICO Forums.
Community Ranks – Moderators and Community Roles
The community ranks for myFICO are listed below in order from the highest achievable rank at the top to the lowest rank for a new member at the bottom:
The community is moderated by Khoros, a third-party company that helps facilitate the myFICO® Forums.
If you would like to be considered for a Community Credit Mentor or a Community Leader position, you must meet the requirements of a Frequent Contributor.
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 Terms, including the myFICO Terms of Service.
Disclaimer of warranties and limitation of liability
Updated by fico-admin on 1/17/2023