I upgraded from Scorewatch on 8/26.
I, also, am only getting EQ updates...
I know, from another service I have, that a new credit card account that I opened last month started reporting. It was already showing on EQ and EX when I upgraded but not on TU. It is now showing up on the other service, but nothing on 3-Bureau TU. This is addition to balance changes and things that are not showing up on EX or TU.
I really want to love the 3B monitoring... They need to fix this yesterday!
Starting Score: All Under 590 (8/2011)
@heyarrnold wrote:It definitely is not working. I also sent a PM to Lexie about the issue and she's trying to work with admin to get it fixed. Currently, only EQ is working as it should. However, EX and TU are not updating/sending out alerts of changes.
Are at least the scores updating? Or is nothing functioning correctly for TU and EX?
Same here.... No report or score change alerts from TU/EX at all. 
EW800 wrote:
Same here.... No report or score change alerts from TU/EX at all.
Ok guys - after doing a lot of discussion with the team, here is what I am understanding your concerns to be:
1. You ARE getting balance change alerts for EFX
2. You are NOT getting balance change alerts for TU (which is the how the product works today and should not be expected to provide these alerts at present)
3. You are NOT getting balance change alerts for EXP
So here is my takeaway on the above situations:
- Yeah for #1!
- This should be expected behavior since TU does not currently monitor balance changes (increases or decreases)
- As for Experian, after much discussion with the team to understand why folks are not receiving balance change alerts I learned that it seems that each of the credit bureaus has their own set of data and requirements. Because of this, credit file changes are tracked differently at each bureau, and thus your alerts are triggered by different thresholds for each CRA. While I am not able to disclose the exact differences, it seems that EXP's thresholds are different which is likely contributing to why you are not seeing alerts for EXP coincide with your balance change alerts from EFX. If the change is big enough to hit a certain threshold, you’ll receive a EXP balance change alert.
Please let me know if this doesn’t make sense of your experiences.
Thanks!
K
@Anonymous wrote:
@EW800 wrote:
Same here.... No report or score change alerts from TU/EX at all.
Ok guys - after doing a lot of discussion with the team, here is what I am understanding your concerns to be:
1. You ARE getting balance change alerts for EFX
2. You are NOT getting balance change alerts for TU (which is the how the product works today and should not be expected to provide these alerts at present)
3. You are NOT getting balance change alerts for EXP
So here is my takeaway on the above situations:
- Yeah for #1!
- This should be expected behavior since TU does not currently monitor balance changes (increases or decreases)
- As for Experian, after much discussion with the team to understand why folks are not receiving balance change alerts I learned that it seems that each of the credit bureaus has their own set of data and requirements. Because of this, credit file changes are tracked differently at each bureau, and thus your alerts are triggered by different thresholds for each CRA. While I am not able to disclose the exact differences, it seems that EXP's thresholds are different which is likely contributing to why you are not seeing alerts for EXP coincide with your balance change alerts from EFX. If the change is big enough to hit a certain threshold, you’ll receive a EXP balance change alert.
Please let me know if this doesn’t make sense of your experiences.
Thanks!
K
Hi Karin,
My score changed for TU and EX. I have access to FICO 08 Scoring models via other means. However, the 3 report monitoring service has not updated my scores for either. My score changed on August 27th for TU, as an example, and my score given by the 3-monitoring service has not changed since the 22 of August. So, that is another issue.