I tried to get a FICO score against my Equifax file but myFico was unable to provide it (due to EFX locking my file due to litigation). That didn't stop MyFico from deducting the $12.95 from my bank account. I e-mailed them requesting a refund since they could not provide the product I ordered. They e-mailed me back suggesting I call Equifax and gave me a phone number. The number was to MyFico. I called. I stated my case and Paula told me to fax a copy of my bank statement to them. I asked for a physical addres I can mail one to CMRRR. She REFUSED to give one. All I could get out of her was that they are in Northern California!!!! And THAT much took ten minutes and some round about questioning to get from her. Paula suggested I contact the Federal Trade Commission. I asked if the FTC would give me their address, Paula said "no". Paula then suggested I contact the Better Business Bureau to get MyFico's address. That's when I asked which affiliate would be their local affiliate and she let it slip out about Northern California. I can't believe they keep their address such a secret. Paula wouldn't even give out her Area Code!!!! Well.... I am sure the California Corporation Commission has not only an address for MyFico.com but also a Statutory Agent for service of summons, and the SA's address. Now I'm suing MyFico for the $12.95 just because they decided to be pricks about it.