topic Re: What's going on in Understanding FICO® Scoring

What's going on

Anonymous — Wed, 20 May 2015 18:35:23 GMT

My statements cut last week, and I'm not seeing any changes to the myfico report. Every other subscription I have has updated, credit karma, experian ect. They have all my new info. Yet my fico is not updating a damn thing. Kinda frustrating that I'm paying for a service that is not producing. 😡

Re: What's going on

Scupra — Thu, 21 May 2015 05:31:56 GMT

@Anonymous wrote:
My statements cut last week, and I'm not seeing any changes to themyfico report. Every other subscription I have has updated, credit karma,experianect. They have all my new info. Yet myfico is not updating a damn thing. Kinda frustrating that I'm paying for a service that is not producing.😡

myFICO has particular things that will cause an alert. Check out this thread http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/FICO-3-Bureau-Credit-Monitoring-Frequently-asked-questions/td-p/3410319 It has a great chart showing what things will result in an alert.

Re: What's going on

Anonymous — Thu, 21 May 2015 14:25:45 GMT

Ok, but a 1500 cl I that I know for a fact has been reported to experian is NOT updating experian. This site is useless. 😔

Re: What's going on

Anonymous — Thu, 21 May 2015 14:25:59 GMT

Cl I I meant

Re: What's going on

cdtotten — Thu, 21 May 2015 14:27:24 GMT

Do you have the 3-bureau monitoring or just one? If it's just one, they monitor Equifax.

Historically, bureaus updated EX first, then EQ (couple day lag), then TU (couple more days lag). The account might not have hit your EQ report yet or maybe the credit issuer doesn't report to all bureaus.

Re: What's going on

Anonymous — Thu, 21 May 2015 14:48:46 GMT

It's Capitol one. I have experian.com also. It updated there, and I have the 3 score monitoring here. Credit karma also has it being reported. So my issue is lying directly with my fico.

Re: What's going on

Anonymous — Thu, 21 May 2015 17:40:28 GMT

Just got a 17 point jump with exp and trans. Nothing on ex though. Hmmm

Re: What's going on

Anonymous — Thu, 21 May 2015 22:23:41 GMT

be patient! and yes sometimes those services update first!

Re: What's going on

Anonymous — Fri, 22 May 2015 00:00:17 GMT

Oops I meant the jump was from equifax and trans.

Re: What's going on

Anonymous — Fri, 22 May 2015 01:03:53 GMT

I also have the Exp monitoring (with unlimited credit reports which I love unlike the myFico monitoring) and the 3-credit bureau score monitoring from myFico. I've noticed that my EX Fico score is updated first by the EX monitoring service and it typically takes a week for the MyFico service to catch up. Frustrating.

Re: What's going on

Anonymous — Fri, 22 May 2015 01:06:53 GMT

Thank you, you're giving me hope! 😉

Re: What's going on

Anonymous — Fri, 22 May 2015 01:08:17 GMT

Quick question. When exp my fico updates, is it the same score that the experian.com gives you?

Re: What's going on

Revelate — Fri, 22 May 2015 02:09:00 GMT

@Anonymous wrote:
Quick question. When exp my fico updates, is it the same score that the experian.com gives you?

IF you are getting the Experian FICO score from their site, then yes. They are both FICO 8 (no industry option, "classic" by some product literature)

Re: What's going on

Anonymous — Fri, 22 May 2015 02:14:28 GMT

It's experian credit tracker from experian.com. So the credit tracker and my fico Experian will have the same score? It jumped 20 points on experian.com which is about right. Just wanted to make sure it's not a fako.

Re: What's going on

Anonymous — Fri, 22 May 2015 02:22:26 GMT

Ummm, Marvin Gaye, it is exactly the same. I got a letter from BofA stating why I was approved for their rewards card & it matches.

Re: What's going on

Anonymous — Fri, 22 May 2015 02:42:51 GMT

You made my day,Marvin Gaye! 😂

Re: What's going on

Anonymous — Fri, 22 May 2015 04:53:25 GMT

@Anonymous wrote:
You made my day,Marvin Gaye! 😂

Re: What's going on

Anonymous — Fri, 22 May 2015 19:59:40 GMT

It updated yesterday to the exact score I got from experian.com. Yay