topic Re: Equifax score not updating in General Credit Topics

Equifax score not updating

Honeykissez — Sat, 19 Sep 2020 21:32:40 GMT

Has anybody had any issue with Equifax not updating the score on MyFico? I keep getting alerts for changes but my score hasn’t moved in the month I’ve had it. It’s moved on the Experian app.

Re: Equifax score not updating

Anonymous — Sun, 20 Sep 2020 08:10:19 GMT

Yes! I had an action recently (collection account removed) that raised my EX score by 25 points, and my TU score by 18 points. Equifax recognizes the removal, but my score did not increase. I also has a cc balance decrease, which dropped my overall utilization to 6%. That gave me an 8 point bump on EX and a 6 point bump on TU, but nothing on EQ. I just don't get it.

Re: Equifax score not updating

Honeykissez — Sun, 20 Sep 2020 14:33:36 GMT

Ok so I know it's just not me. I don't know what the issue is but it's annoying.

Re: Equifax score not updating

kberly69 — Mon, 21 Sep 2020 00:31:15 GMT

YES!!! I still have no answer as to why from Equifax or MyFico. I had a 52/53 pt difference between EQ and TU/EX. All the same alerts. I saw somewhere in here that buying a report updated the score so I did. It worked but makes me angry that I had to pay to get what I should have been getting with my regular subscription. I have three more positive events coming up in the next week or so. I'll see if anything budges for EQ. Currently there's a 20 point difference between EQ and TU/EX. I know that could be accurate but after the last time, I don't really trust my EQ score.

Re: Equifax score not updating

Honeykissez — Mon, 21 Sep 2020 00:43:48 GMT

@kberly69 Wow so by purchasing another report it updated? How much is another report? Hopefully that doesn't have to be bought to continue getting updates. I might try it though.

Re: Equifax score not updating

kberly69 — Mon, 21 Sep 2020 00:49:10 GMT

MyFico EQ 1b was $20. I'm shooting for a mortgage in the next two weeks so I'm all over my scores and couldn't take it anymore!

Do not buy EQs product from them. Its a vantage score and pretty useless.

Re: Equifax score not updating

Honeykissez — Mon, 21 Sep 2020 03:40:46 GMT

@kberly69 I just wish someone would figure out the problem so we wouldn't have to purchase something additional. I'm just worried that it might not update when it's time again. I have the my fico family plan so I'm already paying $53 for that.

Re: Equifax score not updating

Anonymous — Mon, 21 Sep 2020 03:55:03 GMT

I purchased it this evening. My score did not change. 🤔

Re: Equifax score not updating

Honeykissez — Mon, 21 Sep 2020 04:29:31 GMT

@Anonymous Ok so now I really don't want to spend the extra $20. This is ridiculous. I've just read through numerous complaints on the forum about Equifax not updating and it does seem like Equifax only updates when a report is available. With the family plan my report is only available quarterly which sucks and I should have read the description better when I signed up. I might end up just canceling and switching over to Experian.

Re: Equifax score not updating

AllZero — Mon, 21 Sep 2020 04:34:56 GMT

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Free credit reports (disregard the VantageScore 3.0 score) at:
Credit Karma for weekly TU and EQ reports.
WalletHub for daily TU report.

Re: Equifax score not updating

Honeykissez — Mon, 21 Sep 2020 04:38:46 GMT

@AllZero I do that with Experian lol. That's how I knew my Equifax score is over 40 points higher than its saying.

Re: Equifax score not updating

kberly69 — Mon, 21 Sep 2020 11:59:17 GMT

Does anyone know when/why EQ scores won't update without a new report? I just looked back in my old alerts and it seems they were in Feb/March this year. I only get the MyFico subscription here and there to check on things so the lack of score updates was new to me for August/September.

Also don't know why the 2 FICO reps I've spoken with wouldn't have just spelled that out. They obviously did not know (or it really is a problem for some of us). Do other people out there get updated EQ scores throughout your subscription, not just when a report is generated?

Just checked the $1 Credit Check Total site and I am indeed 4 more points up on EQ than what MyFico says. So frustrating

Re: Equifax score not updating

Honeykissez — Mon, 21 Sep 2020 14:37:05 GMT

@kberly69 I have gotten nowhere talking with a My Fico rep so I think I am just going to switch over to Experian before my next payment to Myfico and cancel Myfico.

Re: Equifax score not updating

joeyv1985 — Tue, 22 Sep 2020 19:37:45 GMT

@Honeykissez wrote:
Has anybody had any issue with Equifax not updating the score on MyFico? I keep getting alerts for changes but my score hasn’t moved in the month I’ve had it. It’s moved on the Experian app.

@Honeykssez, I'm having the same issues. My FICO 8 score just updated and I'm quite concerned that my Equifax score(750) lags my Transunion and Experian scores by 38 and 28 points respectively. The Equifax score hasn't budged upward much in the past 2 months. In fact, when I paid one of my CC's from $6(yes $6) to $0, they dinged me 4 points while my Transunion score went up 6 points and my Experian score went up 4 points. Frustrating. Over at Creditkarma.com, Equifax is closer to the mean.

Re: Equifax score not updating

Honeykissez — Tue, 22 Sep 2020 19:59:19 GMT

@joeyv1985 at least your Equifax is moving. Ours isn't 🤦🏽‍♀️

Re: Equifax score not updating

joeyv1985 — Tue, 22 Sep 2020 21:10:19 GMT

@Honeykissez wrote:
@joeyv1985 at least your Equifax is moving. Ours isn't 🤦🏽‍♀️

I can understand a 10-15 point difference, but 30? It doesn't make sense.

Re: Equifax score not updating

Honeykissez — Tue, 22 Sep 2020 22:08:11 GMT

@joeyv1985 It also depends on if all 3 are reporting the same accounts

Re: Equifax score not updating

joeyv1985 — Wed, 23 Sep 2020 02:39:46 GMT

@Honeykissez wrote:
@joeyv1985 It also depends on if all 3 are reporting the same accounts

They seem to be: Mortgage, Car Loan, all 4 credit cards. Balance increase/decrease, it's all there.

Re: Equifax score not updating

Anonymous — Mon, 28 Sep 2020 03:44:20 GMT

Mine EQ also is not moving. The other scores (TU and EX) jumped 50 pts.

I didn't realize you need to wait for the full report each month.

Is Experian accurate for all 3 bureaus in their app? It's half the cost and their app seems nicer but I want to be able to trust it.

Re: Equifax score not updating

Honeykissez — Mon, 28 Sep 2020 12:09:41 GMT

@Anonymous I am trying to find out also how good the Experian app is. I canceled Myfico. I had the family account so I didn't like the quarterly reports. I guess I'll have to sign up for Premier to get the updates for Eq