06-12-2012 05:13 PM
I signed up for the 10-day free trial an hour or so ago (even paid extra for the TransUnion report), but when I go to the Member Services page, it shows "???" for my scores. Is there some sort of waiting time frame I have to go through before they load my scores? I thought it would be instantaneous with joining (and paying).
06-13-2012 07:04 PM
Do you have a credit history? How old are your current revolving accounts? If you have no history and no current accounts, then this is why you don't have a score.
06-13-2012 08:38 PM
Yes I have credit history. I am 27. I've had various accounts in my name for nearly 10 years now. I believe my AAoA is approx. 2 years 8 months (that's what another website I used to belong to had told me 3 or 4 months ago).
06-13-2012 09:32 PM
I guess its broke then. It has been 7 days since I have received a SW update, which is unusual for me as stuff changes in my credit report daily and SW usually alerts me multiple times a week. 7 days isn't horribly long, but considering that you haven't gotten any updates either with a 10 year history and current revolving accounts makes me question it. SW isn't really the most reliable product, but there aren't many other websites to get FICO updates.
06-14-2012 03:24 PM
nevermind. I just got an alert today.
06-14-2012 08:39 PM
haha.. Speak of the devil, right?
I emailed customer service. They got back to me this afternoon and said for some reason, my process was never completed, yet was completed enough to activate my account, lol. Anyway.. they said to reorder the Score Watch Free Trial again. I did so and it provided both reports for me instantly.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.