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Cancel MYFICO
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Cancellation service #1 in South Africa
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Myfico service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Myfico: Simple Process
What is Myfico
Overview
Myfico is a subscription service that provides access to FICO credit scores, credit reports and credit-monitoring tools. It is designed to help users track credit health, receive alerts, and access identity-theft protection.
Core services
Services commonly include multi-bureau credit reporting, FICO Score updates, identity monitoring with insurance limits, and restoration support. Subscriptions are billed on monthly, quarterly or annual schedules depending on the plan selected.
How to cancel Myfico
Online via website
- Sign in to your account at the MyFICO website and open the “My Subscriptions” page.
- Follow the on-screen prompts to cancel the active subscription and confirm cancellation.
- Keep a screenshot or printed confirmation of the cancellation page for your records.
App and phone options
- Cancel from the iOS or Android app by opening the Subscription screen under the More tab and following the cancellation steps.
- Call MyFICO support at 1‑800‑319‑14433 (Mon - Fri 6 AM - 6 PM PT; Sat 7 AM - 4 PM PT) to request cancellation by phone.
- Reference the official support article for details: How do I cancel my subscription?
What happens when you cancel
Access after cancellation
When you cancel, access usually continues until the end of the paid subscription period. Cancellation prevents future renewals but does not always remove immediate access for the paid term.
Renewal and data
Subscriptions automatically renew at the then-current price unless cancelled before the renewal date. Your account and stored data remain subject to MyFICO’s terms even after cancellation.
Will I get a refund?
General refund policy
- There is no general 14-day automatic right-of-refund listed - refund eligibility depends on subscription type and the company’s stated terms.
- Quarterly and month-to-month subscriptions typically stop future charges when cancelled but do not entitle you to refunds for amounts already paid.
Annual subscription exceptions
- Annual subscriptions may receive a pro-rated refund for the unused portion on a quarterly basis; MyFICO’s terms state there are no refunds for partial quarters.
- MyFICO’s site also states some monthly plan descriptions as “Cancel anytime, no refunds” for Basic, Advanced and Premier monthly plans.
Practical notes
- Users report refunds are rarely issued except as a one-time courtesy in certain cases (billing errors or disputes).
- If you believe you were billed in error, save evidence (statements, screenshots) and be prepared to escalate if MyFICO denies a refund.
Myfico plans and pricing
Available plans
Public pricing in USD for major plans is published in MyFICO marketing and help materials. No official ZAR pricing is available from MyFICO.
Notes on currency
Prices shown are in US dollars. South African users should expect payments in USD or via the app store’s local conversion; confirm the final charge on your billing statement.
| Plan | Price | 期間 | Features |
|---|---|---|---|
| Advanced (3-bureau, tri-monthly updates) | US$29.95 | 月額 | Three-bureau reports & FICO Score updates every three months; identity monitoring; alerts; $1M identity-theft insurance; 24/7 restoration |
| Premier (3-bureau, monthly updates) | US$39.95 | 月額 | Three-bureau reports & multiple FICO Score versions updated monthly; identity monitoring; alerts; $1M insurance; 24/7 restoration |
Your consumer rights in South Africa
Cooling-off and remote agreements
Under the Consumer Protection Act (2008), consumers often have a cooling-off period for agreements concluded off-premises or at a distance. This can allow cancellation within a short period of receiving the service or concluding the agreement.
Escalation and enforcement
- If you believe automatic renewals or refund refusals are unfair, you may file a complaint with the National Consumer Commission or local consumer protection bodies.
- Keep records, request written confirmation of cancellation, and escalate to your card issuer or a consumer tribunal if necessary.
Customer experiences
Positive feedback
Some professional reviews praise MyFICO for a polished interface, comprehensive credit-monitoring features and identity-theft insurance coverage.
See a product review for more perspective: TechRadar review.
Negative feedback
User reviews report difficulties cancelling, refusal of refunds, slow data updates, double billing, and inconsistent customer-service experiences.
Several complaints in public forums suggest disputes sometimes require escalation to resolve billing or refund issues.
Documentation checklist
Before you cancel
- Account username/email and subscription details.
- Date of last payment and card used for billing.
After cancellation
- Screenshot or PDF of cancellation confirmation and the My Subscriptions page.
- Billing statements, support ticket numbers, phone call logs with dates/times and agent names.
Common mistakes
Missing the renewal cutoff
Waiting until after the renewal date often results in an immediate charge for the next term. Cancel before the billing date to avoid an unwanted renewal charge.
Assuming automatic refunds
Many users assume cancelling entitles them to a refund; MyFICO’s terms limit refunds for monthly and quarterly plans. Always check the specific plan terms before cancelling.
Comparative recap
At-a-glance comparison
| Feature | Myfico | Refund / Cancellation policy | 期間 |
|---|---|---|---|
| Access | FICO Scores, credit reports, identity monitoring | Access typically continues to end of paid period; cancellations stop renewals | 月額 |
| Ease of cancellation | Online, in-app, or phone options | Cancellation available online; refunds uncommon for monthly/quarterly plans | 月額 |
| Refund likelihood | Limited; annual pro-rated refunds possible by quarter | No general 14‑day right-of-refund listed; refunds rare except as courtesy or per annual pro-rata rules | 月額 |
After cancelling
Confirm and monitor
- Save cancellation confirmation and check your next card/bank statement for any unexpected charges.
- If you are billed after cancellation, contact MyFICO support immediately and provide documentation.
Helpful links
Address
Corporate headquarters
MyFICO corporate address (for general correspondence) is:
12790 El Camino Real, Suite 300, San Diego, CA 92130, United States.
Phone contact
Support phone for cancellations and billing: 1‑800‑319‑14433 (Mon - Fri 6 AM - 6 PM PT; Sat 7 AM - 4 PM PT).