Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
Re: MyFico Sucks

crunching_numbers wrote:

The result of not following directions, was that consequently you had to pay for a purchase you made.  This does not mean myFICO sucks, or that Score Watch sucks.  I am sorry that you had problems during day 10, but you had 9 previous days in which you chose not to cancel this product.  Procrastination caused your problem, not the CSR's that charged you for the product you legitamately bought. 

 

Score Watch does not do everything I would like it to do, but the product works as described, and is properly represented on this site. 


^^^This

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
Re: MyFico Sucks

drkaje wrote:

Why didn't you cancel before the 10th day?

 

This thread will likely end up locked but It still needs asking. I see a ton of posts complaining about being charged for the service where people either forgot, waited until the last minute, or didn't read the agreement. Why be mad at the company when being charged is a direct result of your own irresponsibility?


+1




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
Re: MyFico Sucks

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
Re: MyFico Sucks

drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


Mine seems to be working properly, it has it's up and down days.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
Re: MyFico Sucks

LS2982 wrote:

drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


Mine seems to be working properly, it has it's up and down days.


Mine has gotten lazy, LOL!

 

I've been patiently awaiting an update for about a week. Today, I got the no changes to your report email. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
Re: MyFico Sucks

drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


That is EXACTLY what happened.

 

SW doesn't remember what was on your last report, so it doesn't see that an account is new to your reports. It just sees that it has an opening date of March 2012, and it's March 2012 (or whatever), so hey, it's new.

 

If AmEx had pulled a hard on EQ, you would (presumably) have gotten an alert for the inq. But since they almost always pull EX, you wouldn't get that either.

 

Unless the new/ old AmEx account somehow makes your score change, you most likely will not get a SW alert.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
Re: MyFico Sucks

haulingthescoreup wrote:

drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


That is EXACTLY what happened.

 

SW doesn't remember what was on your last report, so it doesn't see that an account is new to your reports. It just sees that it has an opening date of March 2012, and it's March 2012 (or whatever), so hey, it's new.

 

If AmEx had pulled a hard on EQ, you would (presumably) have gotten an alert for the inq. But since they almost always pull EX, you wouldn't get that either.

 

Unless the new/ old AmEx account somehow makes your score change, you most likely will not get a SW alert.


I pretty much expected a small bump because it should have slightly increased AOAA and lowered utilization.

 

Stubborness is the only thing preventing me from burning a Score Power report. Also, I don't want to let myself be annoyed if the score changed and there was no alert, LOL! I'll give it another week. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
Re: MyFico Sucks
[ Edited ]

Dude has a Facebook to further prove his Mod Cut

 

Now now. Be nice. When it's the hardest to be respectful is when it's needed the most.

 

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
Re: MyFico Sucks

FrugalRican wrote:

Dude has a Facebook to further prove his Mod Cut

 

Now now. Be nice. When it's the hardest to be respectful is when it's needed the most.

 


Frug- watch your language and don't upset the mods!  OP is going to need to get over it. If I was myFICO there is NO WAY I would EVER give that one a refund.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
Re: MyFico Sucks
  • I wonder how many hits his facebook page has.

+1 on drkaje's comment. 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720