topic Re: MyFICO Score Alerts Stuck in General Credit Topics

MyFICO Score Alerts Stuck

Junejer — Sat, 23 Sep 2023 13:29:31 GMT

Good morning. MyFICO Score Alerts seem to be stuck for me. Mine hasn’t updated since 8/31, even though several things have changed since then. Anyone else having this problem? If you are/have, what’s the fix?

Re: MyFICO Score Alerts Stuck

SouthJamaica — Sat, 23 Sep 2023 16:52:24 GMT

@Junejer wrote:
Good morning. MyFICO Score Alerts seem to be stuck for me. Mine hasn’t updated since 8/31, even though several things have changed since then. Anyone else having this problem? If you are/have, what’s the fix?

They're not score alerts.

They come when a certain event occurs. And then MyFICO just tacks on the current FICO 8 score at that particular bureau.

If you have received alerts, and the score didn't change, that's because your FICO 8 score at that bureau hasn't changed. Not every change in your data causes a score change.

Re: MyFICO Score Alerts Stuck

Junejer — Sat, 23 Sep 2023 20:48:21 GMT

Let me clarify what I meant. I typed score alert, but I meant alert...period. I have had many changes to my credit report since 8/31, yet the last alert was then. It's stuck!

Re: MyFICO Score Alerts Stuck

Junejer — Sat, 23 Sep 2023 21:17:17 GMT

There have been five or six credit events since 8/31

Re: MyFICO Score Alerts Stuck

SouthJamaica — Sun, 24 Sep 2023 03:11:16 GMT

@Junejer wrote:
There have been five or six credit events since 8/31

It's not a question of whether there have been "events"; it's a question of whether you got a MyFICO alert or not.

Re: MyFICO Score Alerts Stuck

Junejer — Sun, 24 Sep 2023 04:28:44 GMT

@SouthJamaica wrote:
@Junejer wrote:
There have been five or six credit events since 8/31
It's not a question of whether there have been "events"; it's a question of whether you got a MyFICO alert or not.

Uh, yeah, that’s kind of my point. I’m not getting alerts and I’m not sure why, even though I’ve had events that warrant alerts.

Re: MyFICO Score Alerts Stuck

SouthJamaica — Sun, 24 Sep 2023 12:58:25 GMT

@Junejer wrote:
@SouthJamaica wrote:
@Junejer wrote:
There have been five or six credit events since 8/31
It's not a question of whether there have been "events"; it's a question of whether you got a MyFICO alert or not.
Uh, yeah, that’s kind of my point. I’m not getting alerts and I’m not sure why, even though I’ve had events that warrant alerts.

Oh I see. Well my alerts keep coming in hot and heavy, so it's not a system-wide thing. I think you're giving the MyFICO alert system more credit than it deserves, because there are very few "events" it automatically considers to be alert-worthy (inquiries, new accounts, account "updates", black market surveillance).

There are, however, two user-defined limits you can set. I have mine calibrated to increase the number of alerts, so that I get updated FICO 8's more often.

My advice to you is to go to "Settings" and set your changed balance alert to a very low dollar amount, and to set your equifax score change alert to a score that is right around where your present FICO 8 score is. This way you will get more frequent updates of your FICO 8 scores.

E.g., I have my balance change alert set to $60, and I receive on average 3-4 alerts a day.

Re: MyFICO Score Alerts Stuck

Junejer — Sun, 24 Sep 2023 21:35:12 GMT

Good call on the balance alerts. I have my score set to one point above where it currently is. I'll adjust my balance and see what happens. Even though, I have had some balance changes above my current setting.

Thanks, again, SJ.

Re: MyFICO Score Alerts Stuck

Junejer — Mon, 25 Sep 2023 16:41:08 GMT

I changed my balance alert notifications to $1 to see if that gets it unstuck.

Re: MyFICO Score Alerts Stuck

SouthJamaica — Mon, 25 Sep 2023 17:13:11 GMT

@Junejer wrote:
I changed my balance alert notifications to $1 to see if that gets it unstuck.

Now you just have to make sure your balances change > $1.

Re: MyFICO Score Alerts Stuck

Junejer — Mon, 25 Sep 2023 17:38:59 GMT

@SouthJamaica wrote:
@Junejer wrote:
I changed my balance alert notifications to $1 to see if that gets it unstuck.
Now you just have to make sure your balances change > $1.

I had it at $1,000 before and was getting alerts on everything. I'm mostly AZE2 or AZE3, so that shouldn't be a problem.

Re: MyFICO Score Alerts Stuck

Junejer — Tue, 26 Sep 2023 22:03:51 GMT

So, I called MyFICO and spoke with a very pleasant rep who informed me that she doesn't see any reason (except that I had my score alert set to 846) why I wouldn't/shouldn't receive alerts. She then stated that EQ has to send MyFICO alerts and for some reason that's not happening. Hmmm. If I don't get any alerts by the time my subscription renews, I'll cancel this product. It's money out the window, if it doesn't give me alerts. That's why I have SW.

Re: MyFICO Score Alerts Stuck

GZG — Tue, 26 Sep 2023 22:22:32 GMT

any troubles getting your EQ report from other places, CK, myEquifax, annualcreditreport?

myequifax $5/month gets daily reports

no fancy alerts or anything, but it's better than CK

Re: MyFICO Score Alerts Stuck

Junejer — Wed, 27 Sep 2023 01:49:46 GMT

Hi @GZG. No, I get the reports just fine from CK. The rep was able to pull my 3B report and saw all the updates and changes to my CR for September and it all matched my CK report perfectly. I question the notion that EQ needs to send alerts to MyFICO, so then MyFICO can post the alerts here. I hope I'm wrong, but that sounds a little fishy to me.

Re: MyFICO Score Alerts Stuck

Junejer — Wed, 27 Sep 2023 01:54:56 GMT

@GZG wrote:
any troubles getting your EQ report from other places, CK, myEquifax, annualcreditreport?

myequifax $5/month gets daily reports

no fancy alerts or anything, but it's better than CK

Just looked into that and it gives a VantageScore! No way I'm paying $5/month for that. CK is sufficient for seeing changes to my CR and I get the VantageScore for free.

Re: MyFICO Score Alerts Stuck

GZG — Wed, 27 Sep 2023 04:05:58 GMT

@Junejer wrote:
@GZG wrote:
any troubles getting your EQ report from other places, CK, myEquifax, annualcreditreport?

myequifax $5/month gets daily reports

no fancy alerts or anything, but it's better than CK
Just looked into that and it gives a VantageScore! No way I'm paying $5/month for that. CK is sufficient for seeing changes to my CR and I get the VantageScore for free.

yeah, it's definitely just for the daily reports

shame we can't get free daily reports for EQ/Exp like TU offers

Re: MyFICO Score Alerts Stuck

Junejer — Wed, 27 Sep 2023 14:31:38 GMT

I use the paid version of EX’s service, but I think they offer a free version as well, without the FICO score. I could be wrong though.

Re: MyFICO Score Alerts Stuck

Junejer — Wed, 27 Sep 2023 20:19:32 GMT

Re: MyFICO Score Alerts Stuck

Zombiexl69 — Mon, 18 Dec 2023 20:22:21 GMT

I know this is a little old, but over the last week (my cards all usually close about now), I've gotten alerts from myfico, I click the link and there are no new alerts. It seems like nothing has updated since 12/6/2023. I hate to pull my report early to see the changes when I'm paying so much to track already.

Re: MyFICO Score Alerts Stuck

Junejer — Mon, 18 Dec 2023 22:52:14 GMT

@Zombiexl69 wrote:
I know this is a little old, but over the last week (my cards all usually close about now), I've gotten alerts from myfico, I click the link and there are no new alerts. It seems like nothing has updated since 12/6/2023. I hate to pull my report early to see the changes when I'm paying so much to track already.

You can always pull them on CK to see what changes were made to your reports (EQ & TU). Just ignore the scores you see there.