Understanding FICO® Scoring

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MrGoat
Posts: 158
Registered: ‎06-04-2011

So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-07-2012 07:01 AM

Thought Id try it for the time being.

Went thru the process, gave my CC info and when I get to the part where i enter my SS# it tells me that number already belongs to someone else and I need to sign in.

So I sign in .....again.....

Do it all over and it happens exacty the same.

So I sign in......again.

 

Three times and while it charged my CC I got nothing for my money.

 

I havent had ANY CC fraud that I am aware of...no one has opened any accounts in my name or anything....and if they did they certainly would not sign up here using a stolen SS# to begin with....so why is it that the system isnt accepting my SS# when I try to sign up? It keeps telling me that that # has already been used?

EQ FICO 735 as of June 17, 2011
EX FAKO 767 as of April 3rd, 2012
Citibank($10,000@10.74%) Discover($5000) CapitolOne($4500)
USBank($3000) AMEX($2000) BOA($2000) NRAVISA($4000)
ChaseVisa($500)
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MrGoat
Posts: 158
Registered: ‎06-04-2011

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-07-2012 07:12 AM

So I do the lost password thing and enter my SS# and info....and it sends me an email to the SAME email address that I was using to sign up with...so it DOES have that SS# attached to my email that I used !

EQ FICO 735 as of June 17, 2011
EX FAKO 767 as of April 3rd, 2012
Citibank($10,000@10.74%) Discover($5000) CapitolOne($4500)
USBank($3000) AMEX($2000) BOA($2000) NRAVISA($4000)
ChaseVisa($500)
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MrGoat
Posts: 158
Registered: ‎06-04-2011

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

[ Edited ]
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‎10-07-2012 07:18 AM - edited ‎10-07-2012 07:26 AM

Apparently there are TWO of my email accounts attached to the SS#. Cant figure out why that is, but I also cant figure out why it wont just give me the service using the one instead of the other since it apparenlty has both...

 

I logged in using the second email address and it let me sign in, but under my profile it doesnt list the second one at all, but the first one instead....the one I used to begin with and was told it wasnt the right SS#.

 

Think Im calling tomorrow and just asking for a refund altogether. Too much headache in my already busy life

EQ FICO 735 as of June 17, 2011
EX FAKO 767 as of April 3rd, 2012
Citibank($10,000@10.74%) Discover($5000) CapitolOne($4500)
USBank($3000) AMEX($2000) BOA($2000) NRAVISA($4000)
ChaseVisa($500)
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mrgoattoo
Posts: 29
Registered: ‎06-17-2011

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 09:18 AM - edited ‎10-08-2012 09:28 AM

Well, screwed my forum account up big time and had to have a myfico rep fix things so here I am under my new name.

 

Finally got it figured out, however, and managed to pull my TU FICO...and holy hell...didnt think it would be HIGHER than my FAKO score;

 

Your TransUnion FICO® score: 772

On October 8, 2012

 

TransUnion FICO® score: 773 on April 6, 2013
EX FAKO 767 On April 8, 2013

Citibank($10,000) Discover($5000) Barclaycard ($4500) CapitolOne($4500) USBank($3000) AMEX($2000) BOA($2000) NRA VISA($4000) StateFarm VISA($5000)
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llecs
Posts: 31,505
Registered: ‎08-04-2007

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 10:13 AM

Nice score!

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Shogun
Posts: 7,374
Registered: ‎04-15-2011

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 10:20 AM

Uhm,, hope that made you feel better!   Nice!   

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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Established Member
mrgoattoo
Posts: 29
Registered: ‎06-17-2011

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 02:31 PM

Definitely made me feel better seeing the FICO score.

Last time I checked it was 35 points lower than my FAKO.

Very pleasant surprise.

:smileyhappy:

 

TransUnion FICO® score: 773 on April 6, 2013
EX FAKO 767 On April 8, 2013

Citibank($10,000) Discover($5000) Barclaycard ($4500) CapitolOne($4500) USBank($3000) AMEX($2000) BOA($2000) NRA VISA($4000) StateFarm VISA($5000)
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Established Member
mrgoattoo
Posts: 29
Registered: ‎06-17-2011

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 02:47 PM - edited ‎10-08-2012 02:52 PM

Wow....just signed the wife up for the $5 a month deal too.

Her TU FICO is a little higher than mine....

 

Your TransUnion FICO® score: 779

On October 8, 2012

TransUnion FICO® score: 773 on April 6, 2013
EX FAKO 767 On April 8, 2013

Citibank($10,000) Discover($5000) Barclaycard ($4500) CapitolOne($4500) USBank($3000) AMEX($2000) BOA($2000) NRA VISA($4000) StateFarm VISA($5000)
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Regular Contributor
scmami
Posts: 192
Registered: ‎01-05-2012

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 06:09 PM

Woohoo! Nice scores!
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
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shakalaka
Posts: 459
Registered: ‎09-10-2012

Re: So I pay $4.95 for FICO® Quarterly Monitoring and get nothing for my money

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‎10-08-2012 06:28 PM

Congrats

 

Nice scores


Amex Platinum (NPSL) | Amex BCE (12,000) | Discover IT (8,000) | Chase Freedom (4,300) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 726 (5/13) EQ 710 (5/22) EX 714 (1/26)
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