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Why no change on myFico

Established Contributor

Why no change on myFico

Of course the Experian site is a FAKO, but it at least showed a change with the AU status...no change at all on myFico. Smiley Sad  I wonder why?

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
9 REPLIES
Established Contributor

Re: Why no change on myFico

Have you been able to verify that it's been reported to EQ/TU also?  

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Regular Contributor

Re: Why no change on myFico

Experian and Equifax don't usually update at the same time.

 

So while I have no earthly idea what you're talking about, since you didn't include any detail, I'd say there's a good chance that whatever change hit your EX report, hasn't hit your EQ report.

 

Also, FAKO scores usually have no bearing on FICO reality. What makes a FAKO score go up, might make your FICO go down.

 

If it's a matter of substance on your report, see my first point above. Not everything updates at the same time. 

 

Also, give myfico a day or two (or three!) to update after equifax.com (or annualcreditreport...) posts updates.

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695
Established Contributor

Re: Why no change on myFico

Op did say AU status.  Seems like a fairly safe assumption that they were added to someone's card and now are waiting for the CB's to update that change.  I think the other cb's just haven't updated yet.

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Established Contributor

Re: Why no change on myFico

I have quite the good understanding that anything that we get from EX that is not from a lender, is a FAKO. Pretty much the first thing you learn on this forum. I also have EQ complete which allowed me to see that yes the card is showing on that report as well, with no change to the score.

 

As well as knowing that the the 3 bureaus do not update at the same time. Point being, that while it IS showing on the report on Equifax.com, but no change to score, and is showing on Experian.com, with a change to score, FAKO and all, knowing the points are not what it actually is in the FICO world, but a change still.

 

 

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor

Re: Why no change on myFico

I haven't pulled a TU report, I'm fine on that one, Smiley Happy Nothing ugly on there, lol.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor

Re: Why no change on myFico

Last week when I called about an alert I didn't receive through SW, but was able to see on a report from EQ, I was told by a Myfico.com rep that even though any updated info may be available immediately through the CB site, that myfico can still take some more time to show the updates here.  

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Established Contributor

Re: Why no change on myFico

Smiley HappyAh ha! That could explain it! Thanks!!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator Emeritus

Re: Why no change on myFico

Patience my dear...   Smiley Happy   NO BONKERS!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Established Contributor

Re: Why no change on myFico

You know me by now! There is no patience! LOL!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683