MY FICO HERO LLC Last Updated: August 19, 2026
1. Acceptance of Terms
These Terms and Conditions ("Terms") govern your use of the website https://educredit.myficohero.com/ and any services provided by MY FICO HERO LLC ("we," "us," or "our"). By accessing our website, submitting a form, booking an appointment, or opting in to our communications, you agree to be bound by these Terms and our Privacy Policy.
2. Services
MY FICO HERO LLC provides credit education and credit repair support services, including consultations, dispute processing, and related account management. Nothing on our website or in any communication constitutes legal or financial advice. Results vary and are not guaranteed.
3. Eligibility
You must be at least 18 years old and a resident of the United States to use our services or opt in to our communications.
4. Appointments and Communications
When you book a consultation or submit a form, you consent to being contacted by MY FICO HERO LLC regarding your inquiry through the phone number and email you provide. This is separate from consent to receive marketing messages, which requires a separate opt-in.
5. SMS Program Terms
By opting in to receive text messages from MY FICO HERO LLC, you agree to the following:
You consent to receive text messages at the mobile number you provided.
Message types include appointment reminders, account and service updates, document requests, and, if separately consented to, occasional promotional offers.
Message frequency is up to 12 per month per contact.
Message and data rates may apply. Check with your mobile carrier for details.
You may opt out at any time by replying STOP. Reply HELP for assistance.
Your mobile information will not be shared with third parties or affiliates for marketing purposes, as described in our Privacy Policy.
You confirm you are at least 18 years old and the authorized user of the phone number you provided.
6. User Responsibilities
You agree to provide accurate, current, and complete information when submitting forms or booking appointments, and to notify us promptly of any changes. You are responsible for maintaining the confidentiality of any account credentials issued to you.
7. Payment and Fees
Fees for services will be disclosed to you in writing before you agree to any paid engagement. Payment terms, refund policies, and cancellation policies will be described in your service agreement.
8. Intellectual Property
All content on the website https://educredit.myficohero.com/, including text, graphics, logos, and materials, is the property of MY FICO HERO LLC or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without our written permission.
9. Disclaimers
Our services are provided on an "as-is" basis. We do not guarantee any specific credit score outcome, loan approval, or financial result. Credit repair services are not a substitute for legal, tax, or financial advice from a licensed professional.
10. Limitation of Liability
To the fullest extent permitted by law, MY FICO HERO LLC is not liable for any indirect, incidental, consequential, or punitive damages arising out of your use of our services or website. Our total liability for any claim will not exceed the amount you paid to us for the specific service giving rise to the claim.
11. Termination
We may suspend or terminate your access to our services at our discretion if you violate these Terms or our Privacy Policy, or if required by law.
12. Changes to These Terms
We may update these Terms from time to time. The revised version will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated Terms.
13. Contact Us
MY FICO HERO LLC 4565 Ashmore Cir NE Marietta, GA 30066
Phone: +1 404-964-2075
Email: [email protected]
Website: https://educredit.myficohero.com/
Terms and Conditions Last Updated: March 2, 2026
These Terms and Conditions govern your use of MY FICO HERO LLC services, including our website and our SMS and email communications programs. By using our services or opting into our communications, you agree to these Terms and our Privacy Policy.
1. Program Description
MY FICO HERO LLC provides service updates, appointment confirmations, and marketing promotions via SMS and email to users who opt in. This program includes appointment reminders and service-related inquiries to ensure optimal customer support. Message frequency may vary.
2. User Representation & Age Restriction
By using this service, you represent and warrant that you are at least 18 years of age. If you are under 18 years old, you may not use or access our services or opt into our messaging program.
3. Consent to Receive Messages
By providing your phone number and opting in, you authorize MY FICO HERO LLC to send text messages to your mobile number. Consent is not a condition of purchase, and you may submit our forms without checking the consent boxes.
4. Opt-Out Instructions
You can cancel the SMS service at any time. Just text "STOP" to +1 404-964-2075. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
5. Rejoin Instructions
If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
6. Help and Support
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance. You can also get help directly at [email protected] or by calling +1 404-964-2075.
7. Message Frequency and Rates
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interactions with our service. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
8. Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
9. Privacy Policy Cross-Link
Your use of the messaging program is also governed by our Privacy Policy. If you have any questions regarding privacy, please read our privacy policy here: https://a2p.myficohero.com/privacy-policy
10. Changes to Terms
We may update these Terms from time to time to remain compliant with carrier requirements. Updates will be posted with a new Last Updated date.
11. Contact Information
Questions about these Terms can be sent to:
MY FICO HERO LLC
Address: 4565 Ashmore Cir NE, Marietta, GA 30066
Phone: +1 404-964-2075
Email: [email protected]
Terms and Conditions Last Updated: March 2, 2026
These Terms and Conditions govern your use of MY FICO HERO LLC services, including our website and our SMS and email communications programs. By using our services or opting into our communications, you agree to these Terms and our Privacy Policy.
1. Program Description
MY FICO HERO LLC provides service updates, appointment confirmations, and marketing promotions via SMS and email to users who opt in. This program includes appointment reminders and service-related inquiries to ensure optimal customer support. Message frequency may vary.
2. User Representation & Age Restriction
By using this service, you represent and warrant that you are at least 18 years of age. If you are under 18 years old, you may not use or access our services or opt into our messaging program.
3. Consent to Receive Messages
By providing your phone number and opting in, you authorize MY FICO HERO LLC to send text messages to your mobile number. Consent is not a condition of purchase, and you may submit our forms without checking the consent boxes.
4. Opt-Out Instructions
You can cancel the SMS service at any time. Just text "STOP" to +1 404-964-2075. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
5. Rejoin Instructions
If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
6. Help and Support
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance. You can also get help directly at [email protected] or by calling +1 404-964-2075.
7. Message Frequency and Rates
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interactions with our service. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
8. Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
9. Privacy Policy Cross-Link
Your use of the messaging program is also governed by our Privacy Policy. If you have any questions regarding privacy, please read our privacy policy here: https://a2p.myficohero.com/privacy-policy
10. Changes to Terms
We may update these Terms from time to time to remain compliant with carrier requirements. Updates will be posted with a new Last Updated date.
11. Contact Information
Questions about these Terms can be sent to:
MY FICO HERO LLC
Address: 4565 Ashmore Cir NE, Marietta, GA 30066
Phone: +1 404-964-2075
Email: [email protected]
Terms and Conditions Last Updated: March 2, 2026
These Terms and Conditions govern your use of MY FICO HERO LLC services, including our website and our SMS and email communications programs. By using our services or opting into our communications, you agree to these Terms and our Privacy Policy.
1. Program Description
MY FICO HERO LLC provides service updates, appointment confirmations, and marketing promotions via SMS and email to users who opt in. This program includes appointment reminders and service-related inquiries to ensure optimal customer support. Message frequency may vary.
2. User Representation & Age Restriction
By using this service, you represent and warrant that you are at least 18 years of age. If you are under 18 years old, you may not use or access our services or opt into our messaging program.
3. Consent to Receive Messages
By providing your phone number and opting in, you authorize MY FICO HERO LLC to send text messages to your mobile number. Consent is not a condition of purchase, and you may submit our forms without checking the consent boxes.
4. Opt-Out Instructions
You can cancel the SMS service at any time. Just text "STOP" to +1 404-964-2075. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
5. Rejoin Instructions
If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
6. Help and Support
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance. You can also get help directly at [email protected] or by calling +1 404-964-2075.
7. Message Frequency and Rates
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interactions with our service. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
8. Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
9. Privacy Policy Cross-Link
Your use of the messaging program is also governed by our Privacy Policy. If you have any questions regarding privacy, please read our privacy policy here: https://a2p.myficohero.com/privacy-policy
10. Changes to Terms
We may update these Terms from time to time to remain compliant with carrier requirements. Updates will be posted with a new Last Updated date.
11. Contact Information
Questions about these Terms can be sent to:
MY FICO HERO LLC
Address: 4565 Ashmore Cir NE, Marietta, GA 30066
Phone: +1 404-964-2075
Email: [email protected]
COPYRIGHT 2026. ALL RIGHTS RESERVED.