MyRateAdvisor

Terms of Service

Last updated: September 2026

The program

The FICO® Score Optimization Program is an educational and analytical service. Using simulation technology and the information you provide, your advisor prepares a personalized action plan describing which accounts may be affecting your scores, which balances to target, how much to potentially pay down, the estimated impact of specific actions, and the timeframe in which score changes may occur.

No guarantees

Results vary based on individual circumstances, lender reporting, scoring models and other factors. No specific score increase or timeframe is guaranteed.

The program is not credit repair, and we do not dispute items on your credit reports or contact creditors on your behalf. It is not legal, tax, or investment advice and does not constitute a loan offer or a commitment to lend.

Payment and refunds

The program fee is a one-time payment collected at checkout through Stripe. Because your personalized analysis begins shortly after purchase, fees are non-refundable once your analysis has started. If you need to cancel before your analysis begins, contact us at info@myrateadvisor.com.

Your responsibilities

You agree to provide accurate information and to keep your account credentials private. Never send passwords or full account numbers by email; your advisor will explain how to share credit report information securely.

Trademarks

FICO is a registered trademark of Fair Isaac Corporation. MyRateAdvisor is not affiliated with or endorsed by Fair Isaac Corporation.

Contact

MyRateAdvisor, 2020 Camino Del Rio N, Suite 304, San Diego, CA 92108. +1 (831) 603-8394 · info@myrateadvisor.com