Valued Contributor
Posts: 1,245
Registered: ‎07-18-2009
Re: FICO Monitoring Deficiency

Sebago wrote:

Thank you for your direction. As I stated, I have had this service for 5+ years and interpreted the following product  information (edited for brevity) as real time:

"Protect your identity


Daily monitoring of 400 data sources for new information tied to your identity:

  • Newly opened accounts and recent applications for new credit"

I didn't realize the long delay between the occurrence and the reporting. The folks at MyFICO noted this is an issue. I'll likely keep my subscription BUT I had a false sense of security before I learned these facts.

I use another service for ID issues such as moniering Inqs since that requires looking at all three cras.


It doesn't seem right to state the above and not provide timely Inq alerts.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k