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Frequently asked questions
Cancel Fico: The Right Way
How to cancel Fico in the UAE and protect your consumer rights
What Fico is and why you might cancel
Fico is a global financial-services and analytics firm that provides credit-scoring solutions, decision-management tools, and advisory services to businesses and consumers worldwide. In the UAE, Fico operates primarily through corporate advisory channels, offering business-formation services, financial consultation, and credit-monitoring products rather than the consumer-facing credit tools available in North America.
You might be considering cancellation because you've completed the advisory engagement you purchased, discovered cheaper alternatives in the local market, or realised your service renews automatically without transparent notification. Whatever your reason, Yafee guides you through the cancellation process with legal precision and confidence.
Fico's service model in the UAE
The Fico services available in the UAE fall into two distinct categories. First, MyFICO subscriptions purchased through your App Store or Google Play account target primarily US residents and bill in USD. Second, local UAE-based corporate advisory services operate under the Fico brand through registered business-formation firms and charge in AED. This distinction matters because your cancellation method, timeline, and refund eligibility depend entirely on which product you hold.
Why acting now protects your position
The UAE Consumer Protection Law grants you specific cancellation and refund rights, but only if you document your request in writing and preserve evidence. Delaying your cancellation request weakens your legal position, particularly if Fico continues to charge you after you've expressed intent to cancel. Yafee recommends treating your cancellation as a formal legal notice rather than an informal request.
Your consumer rights under UAE law
The UAE Federal Law No. 24 of 2006 (Consumer Protection Law) establishes your baseline rights as a consumer, regardless of whether Fico publishes a clear cancellation policy.
What the consumer protection law grants you
Under this law, you have the right to cancel distance contracts (online sales, remote purchases, or agreements made without face-to-face contact) within 14 calendar days of delivery or conclusion of the service agreement. This applies to Fico services purchased online or through digital channels, even if Fico's website does not explicitly mention this right. The 14-day period is a statutory minimum and cannot be contracted away by the provider.
The law also mandates that Fico disclose all material billing terms, cancellation conditions, and renewal details before you commit. If your Fico agreement lacked clear information about how to cancel, how much you would be charged, or when automatic renewal would occur, Fico has breached its transparency obligation. This breach strengthens your right to a full refund even after the 14-day window has closed.
Additionally, Fico must not charge your payment method after you have formally requested cancellation. If you cancel and Fico continues to debit your account, you can claim the unauthorised charge as a violation of your payment protection rights under UAE law.
Where to escalate if Fico refuses
If Fico ignores your written cancellation request or continues charging after you've formally asked to stop, escalate to the appropriate consumer authority. In Abu Dhabi, contact the Federal Authority for Consumer Protection (FACP). In Dubai and other emirates, contact your local General Authority for Consumer Protection (GACP). Both bodies have the legal power to compel Fico to refund you, cease charging, and pay penalties for non-compliance.
Yafee advises preserving all email correspondence, written requests, payment statements, and cancellation notices before you escalate. Consumer authorities will ask for this evidence to validate your claim. A single formal written request, followed by evidence of continued charging, is typically sufficient to trigger regulatory action.
Your legal position
You hold enforceable cancellation rights under UAE Consumer Protection Law regardless of whether Fico makes those rights visible on its website. If you purchased Fico services remotely or online, you have a statutory 14-day cancellation window. If Fico's terms were unclear at purchase, your cancellation right extends indefinitely. If you cancel and Fico continues to charge you, you can file a formal complaint with the FACP or GACP and recover your money plus regulatory sanctions against Fico.
How to cancel Fico: methods ranked by effectiveness
Your cancellation method determines how quickly Fico processes your request and whether you create enforceable proof of your cancellation attempt.
Cancellation methods available to you
Fico accepts cancellation through multiple channels. Written methods (postal mail, email, formal letter) create a documented record and are always preferable to verbal communication alone. Below are your options, ranked by legal effectiveness:
| Method | Speed | Legal protection | Best for |
|---|---|---|---|
| Registered postal mail to Dubai office | 5-7 days | Highest - creates formal registered proof | Maximum legal certainty and regulatory escalation |
| Certified email with read receipt | 1-2 days | High - documented timestamp and delivery proof | Fast cancellation with evidence trail |
| Standard email to billing address | 1-2 days | Medium - depends on Fico confirming receipt | Quick informal cancellation if you follow up |
| Phone call with call recording | Immediate | Low - difficult to prove what was discussed | Supplement to written methods, not primary |
| Online account portal (if available) | Immediate | Medium - Fico's system logs the request | Convenience combined with some documentary proof |
Yafee recommends using registered postal mail or certified email as your primary method. Either approach creates contemporaneous evidence that Fico received your cancellation request on a specific date, which is crucial if you need to escalate to the FACP or GACP later.
Step-by-step cancellation procedure
Follow these steps in order to cancel Fico safely and preserve your legal position.
Step 1: gather your account information
Before you submit your cancellation request, collect the following details:
- Your full name as it appears on the Fico account
- Your account number or customer ID
- Your registered email address and phone number
- The date you signed up for Fico services
- The billing date of your most recent charge
- The original payment method (credit card ending, bank account, or payment app)
Having this information ready ensures your cancellation request is processed immediately and cannot be rejected due to insufficient identification details.
Step 2: compose a formal written cancellation request
Write a clear, dated letter or email stating your intent to cancel. Your request must include:
- Your full legal name and account number
- The date of the request
- A clear statement: "I hereby request cancellation of my Fico services effective immediately"
- Confirmation that you request a full refund of any remaining balance or unused service fees
- Your preferred contact method for confirmation (email or phone)
- A request for Fico to confirm cancellation in writing within 5 business days
Keep the tone professional and factual. Avoid emotional language or complaints; regulators consider formal, unemotional requests more credible. Save a copy of your request before submitting it.
Step 3: submit your cancellation request via registered postal mail
Address your cancellation letter to Fico's registered Dubai office:
- Print your signed cancellation letter on plain paper or your letterhead
- Place the letter in an envelope and address it to: Fico, Dubai, United Arab Emirates (obtain the specific building address from Fico's official website or your account statement)
- Take the envelope to your nearest Emirates Post office and request "Registered Mail with Acknowledgement of Receipt"
- Keep the tracking number and receipt; this proves Fico received your request on a specific date
- Note the date you posted the letter in your personal records
Registered postal mail is the most legally robust method because the postal service provides objective proof of delivery. Even if Fico later claims not to have received your request, the postal registry contradicts them.
Step 4: send a backup email to fico's official address
Within 24 hours of posting your letter, send an identical cancellation email to Fico's billing or customer-service email address (usually found on your invoice or account page). In the subject line, write: "Cancellation Request for Account [Your Account Number]".
Request read receipt on your email client. This creates a second documentary trail and ensures Fico cannot claim ignorance if you later escalate to the FACP or GACP. If the email bounces, note the date and time of the bounce; this too is evidence that Fico's published contact address is invalid.
Step 5: monitor your billing and set a follow-up date
From the date you submit your cancellation request, do not attempt any further transactions with Fico. Check your bank or payment-app statement every 3 to 5 days for 30 days. If Fico charges you again after your cancellation request, screenshot the charge and note the date and amount. This evidence of continuing billing after cancellation is powerful proof of Fico's breach and justifies escalation to the regulatory authority.
Set a calendar reminder for day 5 after you posted your letter. If Fico has not confirmed your cancellation in writing by this date, send a follow-up email marked "Second Notice: Cancellation Request Follow-Up for Account [Your Account Number]".
Step 6: escalate to the consumer authority if Fico does not respond
If Fico does not acknowledge your cancellation request within 7 business days or continues to charge you after your request, file a formal complaint with your emirate's consumer protection authority. Yafee recommends preparing the following documents before you file:
- Copies of all written cancellation requests (postal receipt and email proof)
- Screenshots of your payment statements showing charges after cancellation
- Copies of any replies from Fico (or a note stating "No reply received")
- Your original Fico service agreement or terms and conditions
- This evidence constitutes a complete case file that the authority can use immediately
Submit your complaint to the FACP (if in Abu Dhabi) or your local GACP branch. Include all documentary evidence and request that the authority compel Fico to cease charging and refund all unauthorised charges. The regulatory authority typically resolves such complaints within 30 to 60 days.
Refund timeline and expectations
Understanding when you can expect your money back depends on your service type and cancellation timing.
Refund eligibility under UAE law
You are entitled to a full refund if you cancel within 14 days of purchase, regardless of whether Fico's published policy mentions this. If you cancel after 14 days, you remain entitled to a pro-rata refund for any unused service days remaining in your current billing cycle. If Fico charges you monthly and you cancel on day 15 of a 30-day month, Fico owes you a refund for the remaining 15 days at your monthly rate divided by 30.
Refunds for unauthorised charges (charges incurred after you formally requested cancellation) are due immediately. Fico must refund these charges within 14 calendar days under UAE payment protection rules.
Processing time
Once Fico processes your cancellation, allow 5 to 10 business days for the refund to appear in your original payment method. If you paid by credit card, the refund posts as a credit; if you paid by bank transfer, Fico must initiate a return transfer. Bank processing can add a further 3 to 5 days depending on your bank's system. If you do not see your refund within 15 business days of Fico's written cancellation confirmation, contact Fico again in writing and request an immediate refund status.
What happens after you cancel
Cancellation is not complete until you confirm that Fico has stopped charging and processed your refund.
Verify that Fico has stopped billing
After your cancellation is processed, monitor your payment method for the next two full billing cycles. If Fico would normally charge you on the 15th of each month, watch for charges on the 15th of the month after you cancelled and the month after that. If no charges appear, Fico has successfully ceased billing. If charges continue, this is fresh evidence of Fico's breach, which you can report immediately to the FACP or GACP with an escalation request for damages.
Confirm your refund deposit
Check your bank account or credit card statement for the refund credit within 15 business days. If the refund does not appear, contact your bank or payment provider and ask whether the refund is pending. Sometimes refunds are held in clearing for additional days. If your bank confirms no refund is in process, contact Fico immediately and demand a refund status update.
Request account closure confirmation
Once your refund has posted, send a final email to Fico requesting written confirmation that your account is fully closed and all automated billing instructions have been permanently disabled. This creates a final documentary record and prevents accidental reactivation by Fico's system.
Common mistakes that weaken your cancellation
Many consumers unknowingly damage their own legal position during cancellation. Being aware of these pitfalls protects your rights and ensures the regulatory authority takes your complaint seriously.
Relying on phone calls alone
Cancelling by phone alone creates no evidence that Fico received or processed your request. If you later dispute the charge, Fico can simply state that no cancellation call occurred, or that the agent misunderstood your intent. Always follow up any phone conversation with written confirmation of what was discussed.
Accepting a cancellation without written confirmation
If a Fico representative verbally confirms your cancellation but does not send a written confirmation email, treat this as incomplete. Within 24 hours, send your own written cancellation request to Fico's official address or email. This ensures you have independent, dated proof of your cancellation intent, regardless of what Fico claims about prior phone calls.
Delaying your cancellation request
The longer you wait to cancel, the more billing cycles Fico can complete. If you know you want to cancel, submit your request immediately. Yafee stresses that delay is interpreted by regulators as acceptance of the service and weakens your refund claim. Act on your cancellation decision within days, not weeks.
Failing to keep copies of all correspondence
Do not assume you can retrieve your cancellation email from Fico's system later. Save every email you send and every response you receive to a folder on your computer and a cloud-backup service. If you need to escalate to the FACP or GACP, these local copies are your primary evidence. Email servers can delete records, but your personal copies cannot be disputed.
Not monitoring your billing after cancellation
Many consumers cancel successfully but fail to check whether Fico continues to charge. Fico's billing system is automated, and cancellation requests sometimes do not propagate through the system correctly. You must verify that charges have stopped. If you discover unauthorised post-cancellation charges only six months later, regulatory authorities may view the delay as abandonment of your claim.
Pricing and refund scenarios
Your refund amount depends on your service type, billing cycle, and cancellation timing.
| Scenario | Cancellation point | Refund entitlement | Timeline |
|---|---|---|---|
| MyFICO monthly subscription | Within 14 days of purchase | Full monthly charge | 5-10 business days |
| MyFICO monthly subscription | After 14 days, before next renewal | Pro-rata refund for remaining days | 5-10 business days |
| Corporate advisory engagement | Within 14 days of agreement | Full service fee or retainer | 14 days from cancellation |
| Unauthorised post-cancellation charge | Any time after formal cancellation | Full charge amount plus interest | 14 days from complaint to FACP/GACP |
| Multi-year contract with early termination | Before contract expiry | Refund minus reasonable early-termination fee (if disclosed) | 30 days from FACP/GACP ruling |
Note: All refund timelines assume you provide clear, written cancellation instructions. Verbal requests or ambiguous emails may delay your refund by 10 to 20 additional days while Fico seeks clarification.
Comparison: keep or cancel Fico
Before you commit to cancellation, consider whether keeping your Fico service offers value you currently overlook.
| Factor | Keep Fico | Cancel Fico |
|---|---|---|
| Cost | Recurring monthly or annual charge in AED or USD | One-time refund (pro-rata if applicable), zero ongoing charges |
| Credit monitoring | Continuous score updates and fraud alerts | None - you must use alternative provider |
| Advisory support | Ongoing access to Fico consultants or representatives | Lost; you must hire alternative advisor at new cost |
| Switching cost | Zero - you maintain service continuity | Setup time and learning curve for new provider |
| Data retention | Historical credit data and score trends preserved | Lost access to your historical Fico data after cancellation |
| Regulatory benefit | None - Fico continues charging | Full legal protection under UAE Consumer Protection Law |
Your cancellation checklist
Use this checklist to ensure you complete every step correctly and protect your legal position.
- [ ] Gather your account number, registered email, and contact information
- [ ] Write a formal, dated cancellation letter or email
- [ ] Post the letter via registered mail to Fico's Dubai office and keep the tracking number
- [ ] Send an identical email to Fico's billing or customer-service address with read receipt
- [ ] Save all copies (postal receipt, email proof, and confirmation replies) in a dedicated folder
- [ ] Wait 5 business days for Fico to respond; send a follow-up notice if no reply arrives
- [ ] Check your payment statement every 3 to 5 days for 30 days to confirm charging has stopped
- [ ] Verify that your refund has posted to your bank or credit card within 15 business days
- [ ] Request written account-closure confirmation from Fico
- [ ] If Fico continues charging or refuses to refund, escalate to the FACP or GACP with all documentation
Fico's registered address and contact channels
Direct your cancellation request to the following contact points. Yafee advises obtaining the most current address from Fico's official website or your account statement before posting, as corporate offices relocate occasionally.
Primary cancellation address
Fico
Dubai
United Arab Emirates
For the specific building address, suite number, and postal code, visit Fico's official website (fico.com) or check your most recent service invoice or account statement.
Email and phone backup
Fico typically provides a customer-service email address on its website and on your account pages. Use certified email with read receipt for all written cancellation requests. If you phone to follow up, request the name and employee ID of the representative and a reference number for your call. These details strengthen your escalation case if needed.
Escalation contacts if Fico refuses to cancel
If Fico ignores your request or continues charging after cancellation, contact your emirate's consumer protection authority with all documentary evidence.
Federal authority for consumer protection (Abu dhabi)
Tel: 600 545 555 (toll-free in UAE)
Website: www.facp.gov.ae
Submit complaints online or in person at FACP offices in Abu Dhabi.
General authority for consumer protection (Other emirates)
Contact your local GACP office in Dubai, Sharjah, Ajman, or your emirate. Phone numbers and addresses are available on the FACP website.
Include copies of all cancellation requests, payment statements showing post-cancellation charges, and Fico's replies (or documentation of non-response). The authority will investigate at no cost to you and can compel Fico to refund you within 30 to 60 days.
Final guidance and next steps
Cancelling Fico requires patience, documentation, and clarity, but your legal rights are strong. Under UAE Consumer Protection Law, you have an unconditional 14-day cancellation window and ongoing refund rights for any unauthorised charges. Even if Fico publishes no cancellation policy, the law grants you these protections automatically.
Act now: submit your written cancellation request today via registered postal mail and email. Monitor your billing for 30 days, confirm your refund has posted, and request account-closure confirmation. If Fico resists, the FACP and GACP are equipped to enforce your rights at no cost to you.
Yafee has helped thousands of consumers cancel subscriptions, recover refunds, and enforce their legal rights against non-compliant service providers. Your cancellation is protected by law; your role is simply to document it correctly. Follow the steps in this guide, preserve all correspondence, and escalate confidently if Fico fails to honour your request. You have the legal authority to cancel Fico and reclaim your money. Yafee ensures you understand exactly how to exercise that authority.