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Administrator Emeritus
Posts: 4,444
Registered: ‎03-01-2007

myFICO® Forums User Guidelines

[ Edited ]

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  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.



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

Formerly consumer affairs manager, media spokesman and myFICO Forums community manager at FICO, I'm now freelance writing for and my own site,

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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