Experian and TransUnion Score Change Alerts

EW800 · ‎08-23-2014

LIke many of us here, I am very happy to see the new 3-bureau product available to us. Obviously, the real test will be to see the EXP and TU alerts coming through.

Has anyone had an alert for EXP/TU score changes come through yet?

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

mrldp40 · ‎08-23-2014

not yet but its a new product so ill give it time , fingers crossed

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500

bdhu2001 · ‎08-24-2014

@EW800 wrote:
LIke many of us here, I am very happy to see the new 3-bureau product available to us. Obviously, the real test will be to see the EXP and TU alerts coming through.

Has anyone had an alert for EXP/TU score changes come through yet?

My receipt said that it will take 72 hours for EXP/TU alerts. Has anyone had the product for 72 hours (I'd say work hours since it's banks that have to provide updates to the CBAs).

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850

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mrldp40 · ‎08-24-2014

Note: For Experian and TransUnion, the credit monitoring service may not begin for up to 72 hours.

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500

New_Beginning · ‎08-24-2014

I haven't received a TU orEX update yet...

Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board
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Anonymous · ‎08-24-2014

@mrldp40 wrote:
not yet but its a new product so ill give it time , fingers crossed

It's like when you bought the first generation iPad, it was great, but you could tell that it was going to get much better by the next generation. There is a joy and a price to pay to be early sdopters of technology. Enjoy!

shengnes · ‎08-25-2014

My husbands account had an alert from Experian this morning. Which was interesting since it was for an account that got the 7 - 10 day message, so we assumed was denied. I guess not! We haven't even received anything in the mail yet.

mrldp40 · ‎08-25-2014

maam was his score update also at experian

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500

New_Beginning · ‎08-25-2014

@New_Beginning wrote:
I haven't received a TU orEX update yet...

I received my first Experian update today! So far so good.....I should expect change from TU next month as on the 1st of Sept I plan to ask for early exclusions and pay down some balances considerably.

Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board
Take the myFICO Fitness Challenge

EW800 · ‎08-25-2014

@shengnes wrote:
My husbands account had an alert from Experian this morning. Which was interesting since it was for an account that got the 7 - 10 day message, so we assumed was denied. I guess not! We haven't even received anything in the mail yet.

It is great to see that we are seeing reports of Exp alerts coming through!

Shengnes, if I may ask, was it just notification of a new account, score change or both?

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .