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FICO Customer FAQ

Top Answers & How-to Guides

How do I Contact FICO Customer Service?

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.

What is the maximum FICO score I can achieve?

The maximum FICO score that can be achieved is 850. This score represents an excellent credit rating and demonstrates responsible financial...
Ask any question you have about FICO customer service, get an answer now.

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

Definition

What is FICO?

FICO stands for Fair Isaac Corporation, a leading data analytics company that provides credit scores. FICO is not a credit bureau itself;...

Calculation

How is my FICO score calculated?

Your FICO score is calculated using several key factors. Firstly, payment history holds the most weight, accounting for approximately...

Importance

Why is having a good FICO score important?

Having a good FICO score is crucial for several reasons. Firstly, it directly impacts an individual's ability to secure loans, credit...

Range

What is a good FICO score?

A good FICO score is typically considered to be 670 or higher. However, the range for FICO scores is from 300 to 850, with higher scores...

Updates

How often is my FICO score updated?

Your FICO score is typically updated on a monthly basis. However, the frequency of updates may vary depending on when your creditors...

Access

Can I see my FICO score for free?

Yes, you can see your FICO score for free through various channels. However, it's important to note that just like any other credit...

Factors

What factors affect my FICO score?

Several factors affect your FICO score, which is a crucial metric used by lenders to determine your creditworthiness. Payment history...

Negative Items

How long do negative items stay on my FICO report?

Negative items stay on your FICO report for varying periods depending on the nature of the item. Most negative information, such as...

Can I remove negative items from my FICO report?

No, you cannot directly remove negative items from your FICO report. FICO, the company that calculates credit scores, does not have...

Discrepancy

Can my FICO score be different between credit bureaus?

Yes, it is possible for your FICO score to be different between credit bureaus. Each credit bureau collects and maintains its own data,...

Maximum Score

What is the maximum FICO score I can achieve?

The maximum FICO score that can be achieved is 850. This score represents an excellent credit rating and demonstrates responsible financial...
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