crocpa wrote:I was a member of myFICO and Equifax in the past. I'm back on a trial basis and quickly noticed that they still have not resolved the issue of not being able to give timely alerts to score changes. It's clear that they do it for financial reasons so people can purchase and repurchase. I'm looking for value and accuracy. What good does it do me to pay for something that doesn't deliver on it's promises. Daily updates? Good luck! Revenues would suffer and we can't have that! That's why I stick with TC's FAKO. TC gives me EQ's info a week before FICO and EQ does. This not only is real time (instant access) it helps catch identity fraud better.
I would like to see more inquiry analysis on MyFico reports. There is already some "filtering" in that inquiries over a year old aren't displayed as they don't affect one's FICO score.
We know that multiple reported inquiries within a given window are permitted and scored as one inquiry to permit car loan shopping and mortgage shopping. Show it on the reports.
Ideally, I'd like to see the inquiries which all fall in one de-duplication window listed together and identified as such. If I go car or home loan shopping, and some of the inquiries don't get correctly coded by the loan company as auto or mortgage related, it would pop out to me on a MyFico report.