topic Re: Don't buy updated FICO score and reports until August! in General Credit Topics

Don't buy updated FICO score and reports until August!

ah32 — Thu, 28 Jun 2007 00:03:58 GMT

My report was not being updated even though my report was correct on experian's website. I finally spoke with a supervisor who refunded my money. He told me that he doesn't advise purchasing a new report until August because they are updating the look of their website and some information is properly being reported from the three bureaus. They've been receiving many concerned calls. Just an FYI!

Re: Don't buy updated FICO score and reports until August!

Anonymous — Thu, 28 Jun 2007 00:13:58 GMT

are you serious? i just bought mine last week. that sucks.

Re: Don't buy updated FICO score and reports until August!

ah32 — Thu, 28 Jun 2007 00:39:04 GMT

I would call and ask for your money back. I asked him, what about those individuals that don't realize they may or may not be getting a correct report and he replied they handle each individual on a case by case basis. Hope this helps!

Re: Don't buy updated FICO score and reports until August!

fused — Thu, 28 Jun 2007 00:44:39 GMT

ah32 wrote:
My report was not being updated even though my report was correct on experian's website. I finally spoke with a supervisor who refunded my money. He told me that he doesn't advise purchasing a new report until August because they are updating the look of their website and some information is properly being reported from the three bureaus. They've been receiving many concerned calls. Just an FYI!

Who did you speak with? Did she/he say info is or is not properly being reported by the CRAs. And did they say all three or which ones?

Re: Don't buy updated FICO score and reports until August!

Anonymous — Thu, 28 Jun 2007 00:47:01 GMT

this disturbs me....

Re: Don't buy updated FICO score and reports until August!

Anonymous — Thu, 28 Jun 2007 00:48:38 GMT

Did the supervisor there elaborate on what information supposedly was not being correctly reported?

Re: Don't buy updated FICO score and reports until August!

Anonymous — Thu, 28 Jun 2007 01:06:40 GMT

hmmmmmm.

All seems pretty consistent to me.

Everything matches TC.

Just the scores messed up?

Re: Don't buy updated FICO score and reports until August!

ah32 — Thu, 28 Jun 2007 02:04:33 GMT

My experian score and report were not updated. The supervisor told me they are updating the look of the site and some people's reports are being affected. My transunion report seems unaffected. I didn't order my equifax report. My experian report had recently had a tl removed and myfico's report did not show what the experian report did.

Re: Don't buy updated FICO score and reports until August!

fused — Thu, 28 Jun 2007 02:21:32 GMT

ah32 wrote:
My experian score and report were not updated. The supervisor told me they are updating the look of the site and some people's reports are being affected. My transunion report seems unaffected. I didn't order my equifax report. My experian report had recently had a tl removed and myfico's report did not show what the experian report did.

Do you have the name of the person you spoke with or the dep't name?

Re: Don't buy updated FICO score and reports until August!

Anonymous — Thu, 28 Jun 2007 02:23:15 GMT

Don't buy them from where???? Do you mean from here or from TC? Am I missing something?

Re: Don't buy updated FICO score and reports until August!

smallfry — Thu, 28 Jun 2007 02:48:45 GMT

Updating the look of their website and this affects anything other than the look of their stupid website? These are the people responsible for how much you have to pay on your loans? Gimme a freakin' break.

Re: Don't buy updated FICO score and reports until August!

Anonymous — Thu, 28 Jun 2007 03:55:26 GMT

Hmmm..I just bought TransUnion last night and thought my CR looked all in order. Used a coupon and paid $12.?? for the CR.

Re: Don't buy updated FICO score and reports until August!

ah32 — Sun, 01 Jul 2007 01:56:55 GMT

I went ahead and purchased my experian score today. It seemed updated. One of my accts was removed, but another added. My score stayed the same. The previous collection removed was 7 years old. I thought my score would have dropped.

Re: Don't buy updated FICO score and reports until August!

fused — Sun, 01 Jul 2007 03:15:29 GMT

ah32 wrote:
I went ahead and purchased my experian score today. It seemed updated. One of my accts was removed, but another added. My score stayed the same. The previous collection removed was 7 years old. I thought my score would have dropped.

Aren't you the OP who told all of us not to buy any more reports or scores at this site until August? Is everything ok now? You just bought a new report, I'm confused.

Re: Don't buy updated FICO score and reports until August!

Anonymous — Sun, 01 Jul 2007 07:15:52 GMT

ah32 wrote:
I finally spoke with a supervisor who refunded my money.

For whom did the supervisor work? MyFico, Experian, CreditExpert, other?

Re: Don't buy updated FICO score and reports until August!

Jontevius — Sun, 01 Jul 2007 20:15:40 GMT

If it helps anyone, I've updated my FICO scores just minutes ago and it seems pretty accurate. I have 2 recent inquiries that have been updated on my report and my score has reflected accordingly. EQ went from a 712 to 707. I applied for a Citi AA Mastercard, awaiting approval, or denial. I also just applied for an auto loan with USAA in which I was approved for it 2 months ago just 5k short of what I requested, so with a new approach of providing income documentation that shows I can handle the obligation, I decided to reapply for the auto loan.

Re: Don't buy updated FICO score and reports until August!

Anonymous — Sun, 01 Jul 2007 20:33:03 GMT

DW signed up for SW yesterday and bought EX and TU. Something looks very much amiss on EX. 70 points below TU, and EX appears to be registering negatives the other two ain't. Checked via online dispute directly on EX website, and the negatives MyFico is showing ain't there on EX.

Re: Don't buy updated FICO score and reports until August!

Jontevius — Sun, 01 Jul 2007 20:40:36 GMT

Wow, well i'm thinking this remodeling of the site is only affecting certain individuals like the member said before. That's more than a good enough reason to call up customer care and resolve that issue, that's a system update that could've been announced to all members to hold off on score purchases until the transformation was complete.

Re: Don't buy updated FICO score and reports until August!

nomoremistakes — Sun, 01 Jul 2007 22:27:42 GMT

Hi all...just discovered this forum, although used this site for months.

Using the FICO simulator, it suggested paying down $797. of my current credit cards(That is may total balance), that would have the biggest positive increase on my score....

would you suggest using my Home Equity loan to pay this & obtain a zero balance or just pay it of in the next 2-3 months? I'm looking for the quickest increase....

Re: Don't buy updated FICO score and reports until August!

Anonymous — Sun, 01 Jul 2007 23:05:31 GMT

As a rule, it is not wise to pay off unsecured debt with a loan that is secured by your home. I am sure others would agree to maybe pay it off over the next few months.