Big lag in MyFico alerts

Anonymous · ‎03-26-2015

Has anyone else seen a long lag time in MyFico alerts? I am recieving alerts in ballence increases that have had a "0" ballence for 2 to 3 weeks. The purchases where made a month ago and paid in full right away. Checked my CC and all have a "0" ballence. Usually its about a week span before I get alerts. Why the big lag? Hard to keep track of things when there so far behind!

Anonymous · ‎03-26-2015

I signed up over two months ago and have never gotten an alert for TU. None. Nada. Zip.

Josh611 · ‎03-26-2015

My Experian hasn't updated in over 2 months. I called yesterday and they said keep waiting. I'll be canceling it pretty soon when I can.

Current FICO Scores EQ 782,TU 755, EX 754

AMEX BCE $24k, Quicksilver $10k, Venture $13k, Sallie Mae Mastercard $8.3K Chase Freedom 5k, Discover IT $3.4k, Kohl's Charge $2.5k, Capital One Secured $801

Anonymous · ‎03-27-2015

Just now got another ballance increase from almost a month ago which has been a "0" ballance for 3 weeks. I know it takes a little time for things to catch up but a month behind just seems longer than normal.

syeb · ‎03-27-2015

@Anonymous wrote:
Has anyone else seen a long lag time in MyFico alerts? I am recieving alerts in ballence increases that have had a "0" ballence for 2 to 3 weeks. The purchases where made a month ago and paid in full right away. Checked my CC and all have a "0" ballence. Usually its about a week span before I get alerts. Why the big lag? Hard to keep track of things when there so far behind!

CC company reports monthly, not as soon as you pay the bill.

Anonymous · ‎03-27-2015

The thing I dont understand is I paid my cc ballances off before my ststements cut as I do every month and should show a "0" ballance. I am now being allerted of a ballance increase on all of my cards. I think the issue lies with the cc co. I made the payment a few days before the statement cutoff date and for some reason it didnt post untill the day of the statement cut which then showed a ballance even though it was paid. Looks like I will have to start paying a few mre days out before the cut date. I always paid the same time every month and this is the first time this has happened. So I guess my fault for paying too close to cutoff.

Imhotrodcrazy · ‎03-27-2015

Seems charges hit the cr's a lot faster than when I pay them off. EQ reports quick, EX and TU are as slow as molasses running uphill in the winter.

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15

Anonymous · ‎03-27-2015

Imhotrodcrazy...I agree...

ojefferyo · ‎03-27-2015

Yeah there is some lag, for me it's about 4-5 days for balance and CLI reports. Other things like inquires seem to take about 1 day or so. My balance is usually right though. $0 balance reports $0 balance.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

lg8302ch · ‎03-27-2015

@Anonymous wrote:
Has anyone else seen a long lag time in MyFico alerts? I am recieving alerts in ballence increases that have had a "0" ballence for 2 to 3 weeks. The purchases where made a month ago and paid in full right away. Checked my CC and all have a "0" ballence. Usually its about a week span before I get alerts. Why the big lag? Hard to keep track of things when there so far behind!

I only have SW and my alerts are working just fine ..average about 1-2 days after statement date and this is about the time the credit cards report to the CRAs.