FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

[BluePoodle]

Just thought I would follow up. I received an email from MyFico today. They cancelled my subscription (1 month early).  Then later on I received two more notifications that they were refunding me my previous two months of subscription fees.  I have no idea what prompted this since I have not called or done anything. I did block them from my credit card for future payments but I guess now that is not an issue.

Not sure if others who have complained or filled with the BBB have received similar results as of late, but I just thought I would share.  

[darkfrosty]

I signed up for the 3 reporting and it took about 2-3 weeks before i received any alerts .. now it has been awhile and nothing .. no alerts whatsoever even though my score for TU went up a month ago from discover IT but the one from myfico hasnt changed since i signed up. Also i have paid off two cards a few weeks ago and no alerts at all .. this product does not work well at all. I really hope they straighten this out.

[Javagafire]

I was about to pay $220 for the yearly subscription but after reading this thread i will wait until they iron out the bugs before i sign up.

[Anonymous]

i want to apply for a new credit card but i am skeptical relying on my 

FICO® 3-BUREAU CREDIT MONITORING ....

my balance fell to $3,000 which should be 7% but says 17% ulitilzation from when i first signed up 3 months ago ...

do i have to pay to see my real time ultilzation ? its show my update balance but when i go down and click this it says 17%     i just trying to see how long should i wait before applying Citi Double Cash!

I can barely hold myself. Im addicted to credit cards.

[Anonymous]

I signed up on 11/7 and have received no alerts or score updates from TU on myFICO at all, even though I had 2 HPs on TU in the past week and a half, since signing up. Credit Karma and Capital One's Credit Montior both alerted me to these right after they happened.

Pretty crappy that you can't rely on a paid service as much as a free one. myFICO was no help to me and blamed it on TU.

[Anonymous]

Glad to see I'm not the only one who is having issues with this service. 

I signed up for the  FICO 3-Bureau Credit Monitoring on 11/15 after ordering a normal 3-Bureau report. I've noticed NO changes since I ordered. In January 2013 I had normal Score Watch for a month via EQ and received updates/alerts for +2, -2 etc. To this day, I still see the alerts from January but have YET to see any movement with the myFico 3-Bureau Credit Monitoring. 

Customer service claims I need to give it "TIME" to build my profile.. It take's "72 BUSINESS HOURS" or so to build a profile for you to start receiving alerts. My Equifax Monitoring has given me more alerts in the same time period . 

Whats up with this product? I'm planning on cancelling if I don't see anything by tomorrow. I'm pretty sure I'm cancelling PERIOD. Its a waste of money and feel like its misleading. 

[SomeGuyOnTheWeb]

Sooo... I had called Cap1 to file a dispute, but the wait times were so long I gave up and planned to call back at a later date. But I forgot. And I had honestly forgotten I was still paying for this service until about a week ago when all three have started to update regularly with balance changes/new accounts.

LOL.

Three months after the fact. I'm not so sure as to whether or not I should be thankful I didn't cancel or insulted that it took this long for the service to *apparently* work.

[Anonymous]

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@SomeGuyOnTheWeb wrote:

Sooo... I had called Cap1 to file a dispute, but the wait times were so long I gave up and planned to call back at a later date. But I forgot. And I had honestly forgotten I was still paying for this service until about a week ago when all three have started to update regularly with balance changes/new accounts.

LOL.

Three months after the fact. I'm not so sure as to whether or not I should be thankful I didn't cancel or insulted that it took this long for the service to *apparently* work.

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i got Citi now (FREE EXPERIAN) i got Chase too i think also has free fico scores. BarClay, Walmart and Discover FREE TRANSUNION there. i think im going cancel myfico 3 now. 

[FinStar]

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@Anonymous wrote:

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@SomeGuyOnTheWeb wrote:

Sooo... I had called Cap1 to file a dispute, but the wait times were so long I gave up and planned to call back at a later date. But I forgot. And I had honestly forgotten I was still paying for this service until about a week ago when all three have started to update regularly with balance changes/new accounts.

LOL.

Three months after the fact. I'm not so sure as to whether or not I should be thankful I didn't cancel or insulted that it took this long for the service to *apparently* work.

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i got Citi now (FREE EXPERIAN) i got Chase too i think also has free fico scores. BarClay, Walmart and Discover FREE TRANSUNION there. i think im going cancel myfico 3 now. 

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Citi does not offer EX.  EQ will be offered during 2015 as a new benefit.  Chase does not offer any FICO scores.

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@SomeGuyOnTheWeb wrote:

Sooo... I had called Cap1 to file a dispute, but the wait times were so long I gave up and planned to call back at a later date. But I forgot. And I had honestly forgotten I was still paying for this service until about a week ago when all three have started to update regularly with balance changes/new accounts.

LOL.

Three months after the fact. I'm not so sure as to whether or not I should be thankful I didn't cancel or insulted that it took this long for the service to *apparently* work.

---

i got Citi now (FREE EXPERIAN) i got Chase too i think also has free fico scores. BarClay, Walmart and Discover FREE TRANSUNION there. i think im going cancel myfico 3 now. 

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Citi does not offer EX.  EQ will be offered during 2015 as a new benefit.  Chase does not offer any FICO scores.

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yeah that was the point for canceling $20 a month for Myfico3. 

FREE SCORES....

Citi: EQ  √

FNBO: EX  √

CreditSesame: EX √  <---- i actually get free monthly experian score from here that matches exactly the score on FICO. 

BarClay: TU √

WalMart: TU √

DisCover: TU √

CapitolONE: SUCKS

CreditKarma: SUCKS

Credit.com: EX √ and SUCKS (only updates 30 days from the time you first update your score instead the first of each month like CreditSesame.)