Credit Card Center Advertiser Disclosure

Reply
Regular Contributor
Posts: 211
Registered: ‎06-06-2017
0 Kudos

3B Ultimate paying customer -- TransUnion backdated to June 8th score...

I've been emailing support on this. I'm not sure why this happened all of a sudden yesterday, but please see the screenshots below and notice the dates... Experian and Equifax are correct, but my TU updated Sunday and it was at 697. Come Monday (& today), it's reverted back to my score when I originally signed up for monitoring. The "Email Support" folks don't really seem to understand my issue. Is this just a glitch for a few days?

 

I ordered a CCT $1 trial yesterday to make sure my scores hadn't dropped and they haven't. I don't mind paying $30/month for this service to get instant (or next-day) changes to my score, especially as I rebuild. Not sure what's going on with this specific CRA. Please help!

 

Thanks!

 

ficoissues.png

In order of use: BofA/ML (Merrill+, Cash Rewards) | AmEx (PRG, Delta Gold) | Discover (IT) | Chase | NFCU | HSBC | Blispay | Alliant CU

TU 700, EX 692, EQ 676 (09/07/2017)
Moderator
Posts: 15,411
Registered: ‎10-07-2014
0 Kudos

Re: 3B Ultimate paying customer -- TransUnion backdated to June 8th score...

Sorry for your problems but support is where you're going to have to try further to resolve this issue.  Unfortunately no one here is going to be to provide that assistance,

Administrator
Posts: 295
Registered: ‎08-15-2016
0 Kudos

Re: 3B Ultimate paying customer -- TransUnion backdated to June 8th score...

Yes, please call our support team for further assistance. 1-800-319-4433 from Mon - Fri 6am to 6pm Pacific Time and Sat 7am to 4pm Pacific Time

Member
Posts: 5
Registered: ‎12-12-2014
0 Kudos

Re: 3B Ultimate paying customer -- TransUnion backdated to June 8th score...

I can’t argue about accuracy, but something has drastically changed for the worse. It is along this same point.

 

I made heavy use of my credit cards to fix up a piece of rental property damaged during the hurricane.  Immediacy was necessary for sake of my renters, and caused my utilization rate to climb over 80%. Once I received my insurance money I paid off all cards at once. These were large transaction well into 4 and 5 figures. As the system noted the payoffs reported by the various CRAs, NOTHING changed in my FICO score. For example, I would receive a notice stating “Your credit card balance decreased by 100%.” That would be followed by “One of your credit cards has decreased by $5,800.”

 

The point is that each of these values would be between 5% - 10% of my total available credit card limits. Over a long period, I would see my utilization drop in large degrees as the various CRAs reported the change. Yet, I had virtually no change to any FICO score (Equifax increased by 9 points one time). Nothing else changed (never late, no new credit, no derog remarks, excellent credit mix, etc.  

 

Fundamentally, the only reason my credit dropped was the utilization – I understood that; however, it should have also risen appropriately (not as much I understand) as new data is supplied. BUT the new FICO has changed nothing.  The old system would see that if your utilization increased from 5% to 80% you would drop a significant amount of points (let’s say 100 points for argument sake). But when it dropped from 80% back to 5% it should increase a significant number of points (let’s say 90 points).

 

Also the notifications would provide a play-by-play of CRA reporting. If TU showed that you lowered your utilization by 5% it would show your TU score increased (let’s say) 17 points. The next time TU showed that you lowered it another 9% your TU score would increase another 26 points (for example). Now you see nothing, but if you occasionally see something (like I did once) the new system does NOT change your dashboard, but makes you do the mental math!

Valued Contributor
Posts: 2,523
Registered: ‎03-28-2017
0 Kudos

Re: 3B Ultimate paying customer -- TransUnion backdated to June 8th score...

Yeah I just got wrong alerts today from days ago showing a 60 point drop. Pulled CCT and there was no drop.

Going to call support Monday and let them have it. $40/month for days old alerts that are wrong isn't valuable.
FICO8 3/17 550EX, 570TU, 559EQ
FICO8 10/17 710EX, 693TU, 734EQ -- almost 700 club!
Gardening since Aug 7, 17

My 11 Rules to Credit Rebuilding -- read this

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.