Does MyFICO monitoring just sort of... stop... after awhile?

[Anonymous]

I've been working on my credit since May. At first, I was ordering a ton of credit reports as I tried to hit the number I needed to qualify for my mortgage program. I noticed MyFICO was a bit slow to report changes but it still notified me when they occurred. But, I no longer am ordering reports and it's like my reports have just... frozen.

No credit card updates have posted to my accounts in a month even though my balances have changed. Experian just finished a dispute and removed a ton of stuff yet none of that has triggered an alert, either. This is really weird... my scores have been frozen for weeks now and none of my balance changes have reported like they did in the past. What's going on? Is this normal?

It's tempting to order a 3B to see what's going on but... that's $50 for no real reason.

[luckelle]

I am noticing the same. Myfico will even report a change weeks later than the none pay sites

[Anonymous]

Everyday that goes by I'm closer to canceling myfico. I haven't had an update on experian in over a month

[smoop88]

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@Anonymous wrote:
Everyday that goes by I'm closer to canceling myfico. I haven't had an update on experian in over a month

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I was stuck at 632 for about 4 months on experian. It was not until I had high balances that my score went up and updates occured. I actually wrote experian a letter and thats when the updates started rolling in on time. Currently, I pay down balances and lose 6-8 points ive never understood this.

[Anonymous]

Lol my experian just updated with a 113 point increase. A lot of stuff has happened since last update.

[takeshi74]

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@Anonymous wrote:

No credit card updates have posted to my accounts in a month even though my balances have changed. Experian just finished a dispute and removed a ton of stuff yet none of that has triggered an alert, either. This is really weird... my scores have been frozen for weeks now and none of my balance changes have reported like they did in the past. What's going on? Is this normal? 

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Make sure you understand what is and what isn't a trigger for myFICO.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity

If you want fixed update intervals then myFICO is the wrong tool for the job.  Try another service that updates on a regular schedule.

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@Anonymous wrote:

At first, I was ordering a ton of credit reports as I tried to hit the number I needed to qualify for my mortgage program.

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There are services that offer frequent report pulls.

[Anonymous]

My 3 scores have been frozen for a while too

[Anonymous]

Same here, MyFico's reporting is pretty slow and is very annoying when your trying to apply for a loan. I'm waiting for them to update my account so I can apply with confidence. Kind of disappointing for what I spend to keep this account.