Reply
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: MyFico Sucks


crunching_numbers wrote:

The result of not following directions, was that consequently you had to pay for a purchase you made.  This does not mean myFICO sucks, or that Score Watch sucks.  I am sorry that you had problems during day 10, but you had 9 previous days in which you chose not to cancel this product.  Procrastination caused your problem, not the CSR's that charged you for the product you legitamately bought. 

 

Score Watch does not do everything I would like it to do, but the product works as described, and is properly represented on this site. 


^^^This

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: MyFico Sucks


drkaje wrote:

Why didn't you cancel before the 10th day?

 

This thread will likely end up locked but It still needs asking. I see a ton of posts complaining about being charged for the service where people either forgot, waited until the last minute, or didn't read the agreement. Why be mad at the company when being charged is a direct result of your own irresponsibility?


+1




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: MyFico Sucks

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Highlighted
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: MyFico Sucks


drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


Mine seems to be working properly, it has it's up and down days.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: MyFico Sucks


LS2982 wrote:

drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


Mine seems to be working properly, it has it's up and down days.


Mine has gotten lazy, LOL!

 

I've been patiently awaiting an update for about a week. Today, I got the no changes to your report email. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: MyFico Sucks


drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


That is EXACTLY what happened.

 

SW doesn't remember what was on your last report, so it doesn't see that an account is new to your reports. It just sees that it has an opening date of March 2012, and it's March 2012 (or whatever), so hey, it's new.

 

If AmEx had pulled a hard on EQ, you would (presumably) have gotten an alert for the inq. But since they almost always pull EX, you wouldn't get that either.

 

Unless the new/ old AmEx account somehow makes your score change, you most likely will not get a SW alert.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: MyFico Sucks


haulingthescoreup wrote:

drkaje wrote:

@LS,

 

I still never got the update when new Amex hit. I wonder if backdating made it not be a new account.


That is EXACTLY what happened.

 

SW doesn't remember what was on your last report, so it doesn't see that an account is new to your reports. It just sees that it has an opening date of March 2012, and it's March 2012 (or whatever), so hey, it's new.

 

If AmEx had pulled a hard on EQ, you would (presumably) have gotten an alert for the inq. But since they almost always pull EX, you wouldn't get that either.

 

Unless the new/ old AmEx account somehow makes your score change, you most likely will not get a SW alert.


I pretty much expected a small bump because it should have slightly increased AOAA and lowered utilization.

 

Stubborness is the only thing preventing me from burning a Score Power report. Also, I don't want to let myself be annoyed if the score changed and there was no alert, LOL! I'll give it another week. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: MyFico Sucks

[ Edited ]

Dude has a Facebook to further prove his Mod Cut

 

Now now. Be nice. When it's the hardest to be respectful is when it's needed the most.

 

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Valued Contributor
Posts: 1,103
Registered: ‎02-15-2012
0

Re: MyFico Sucks


FrugalRican wrote:

Dude has a Facebook to further prove his Mod Cut

 

Now now. Be nice. When it's the hardest to be respectful is when it's needed the most.

 


Frug- watch your language and don't upset the mods!  OP is going to need to get over it. If I was myFICO there is NO WAY I would EVER give that one a refund.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: MyFico Sucks

  • I wonder how many hits his facebook page has.

+1 on drkaje's comment. 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.