The short answer
A charge from MYFICO* ULTIMATE 3B corresponds to an official 3-bureau FICO score monitoring subscription from Fair Isaac Corporation (FICO).
Why it shows up like this
A bank or credit card statement descriptor reading MYFICO* ULTIMATE 3B represents a recurring subscription fee from Fair Isaac Corporation (FICO) for official three-bureau credit monitoring and FICO score tracking.
Consumers frequently encounter this charge when an ongoing monthly or quarterly subscription automatically renews to provide access to mortgage, auto, and credit card score versions across Equifax, Experian, and TransUnion. Depending on the selected monitoring package, monthly costs typically range from twenty to forty dollars, while annual bundles bill several hundred dollars at once.
To check active account details or stop future billing, log in to your user portal on the official myfico.com website, go to your account settings under subscriptions, and cancel the active plan before your renewal date. If you never registered for the service, you should contact customer support or notify your bank to dispute the unauthorized charge immediately under federal billing rules while monitoring your credit reports for any additional warning signs. Taking these steps ensures full transparency and prevents unexpected credit monitoring renewals from debiting your accounts. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Common reasons for this charge
Homebuyers and individuals tracking mortgage scores often sign up for comprehensive credit packages that renew automatically until canceled.
- An ongoing monthly or quarterly myFICO Advanced or Premier 3-bureau subscription renewed.
- A homebuyer subscribed to track mortgage-specific FICO scores (FICO Score 2, 4, and 5).
- An annual myFICO subscription renewed on its anniversary.
How to locate the invoice and cancel
Checking your email history for past purchase confirmations from Fair Isaac Corporation can confirm which specific subscription tier is active.
- Sign in to myFICO Go to myfico.com and log in to your account.
- Go to Subscription Settings Click My Account > Subscriptions & Billing.
- Cancel Plan Click Cancel Subscription or call myFICO customer care at 1-800-319-4433.
Frequently Asked Questions
Reaching out to customer care representatives via phone or online support ensures your membership is terminated before the next renewal date.
Why is myFICO more expensive than other score tools?
myFICO provides real industry FICO scores (mortgage, auto, credit card algorithms) directly from Fair Isaac, rather than generic educational VantageScores.
Does myFICO provide refunds?
Monthly subscriptions are non-refundable once billed. Annual subscriptions may qualify for prorated refunds depending on terms.
Dispute Rights & Fraud Prevention
If you did not authorize a myFICO subscription, contact support immediately to investigate the charge.
Dispute unauthorized transactions under the Fair Credit Billing Act within 60 days of the statement date.
How do I dispute an unauthorized myFICO transaction?
Contact your card issuer to initiate a dispute under FCBA guidelines and notify myFICO support.
What is the timeline for bank billing dispute reviews?
Under federal regulations, banks must conclude dispute reviews within two billing cycles or 90 days.
Independent reference — not affiliated with Fair Isaac Corporation. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- myFICO Terms of Use https://www.myfico.com
- CFPB: Understanding FICO vs. Other Credit Scores https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges