I do have a significant amount of patience on working through issues on a customer support line. I manage the Tier 2 and 3 support groups for my company's ERP systems. I also have a great appreciation for what it is like to be on the receiving end of a customer support call. I don't, however, have a lot of tolerence for receiving a form letter that does not resolve the issue coupled with a summary closure of the ticket forcing me to start from square one again.
I missed a call back from customer support and received a voicemail saying they had gotten to the bottom of the issue and to call back. I have called back, but the person who called me was not available. The CSR offered to read me the summary of the notes in my file instead. She read, nearly verbatim, the form letter I received yesterday. I let her know that she was reading from the same form letter that I had already received and that I needed to talk to the person who had called. They have notated my account for callback and I am hopeful that the voicemail I received stating they had gotten to the bottom of the issue is not just the verbal equivalent of the form letter.
Starting Score: 687 - 5/19/04I was able to talk to the CSR, Kimtrel (SP?), that had left me the voicemail message. We spent 25 minutes on the phone going through the data and the changes again. She was very friendly and took time to pour over the report data and conferred with her supervisor. At the end of all of this, her conclusion was that there was nothing wrong with the TransUnion report, so the score is correct. The only explanation provided is that the changes were not significant enough to cause the score to change. She said that from the numbers she'd think there was a change, but that wasn't always the case.
The bottom line is there isn't an explanation to my suspicions and I don't have any proof anything is actually wrong. I've apparently been able to crush the odds of hitting three identical scores in a row.
I'm going to go by a lotto ticket now.
I appreciate the advice, but I'm not sure what else could be done... I feel that I've gotten all of the answer I am likely to get from MyFICO.
As a side note, WaMu/Chase issued a new FICO based on TransUnion with a 8/12 days (5 days before my last MyFICO score) and it dropped from 793 to 775. Of course this is just a score, no report or other interpretations as provided by MyFICO. For some reason, it takes WaMu/MyFICO 7-10 days to post the score on the site.
Ok, just for some sanity I've forked over for a Equifax score through MyFICO and it's come back as a 780 and the only negative factor is an account that I opened 14 months ago.
This sheds some light on what might be odd with my TU score. Something is certainly off. When I was talking to the CSR I couldn't get a straight answer on why I couldn't calculate the % revolving credit utilization that they were calculating unless I counted my HELOC into the equasion. They said that they counted it in the model however the CRA reports it. The discrepancy was that the HELOC balance by itself is higher than the total revolving line listed in my TU report and its balance is obviously counted in the mortgages balance.
NOW, here's the Equifax score and the % utilization on revolving TLs are on the money, well at least I can match the number they're coming up with at least. This cuts the revolving line utilization by 50% over the TU score down to 15%. And 3 months ago this would have taken it to ~7.5%. (I got caught by the non-usage closure wave and lost 3 revolving TLs.)
So there appears to be a cross wiring of my HELOC between Mortage Balances and Revolving % utilizations. I don't know, maybe that's a side-effect of using an 11 year old scoring model (TU is still on a '98 model unless I'm mistaken) I at least feel better knowing that my EQ score is more consistent with the WaMu score.
Maybe I should abandon the Quarterly Monitoring product based on the older TU model and move to the Score Watch product that is based on the Equifax report and is using a 2004 model. Does anyone have any opinions/thoughts you'd like to share on these two products?
