topic Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting in myFICO® Product Feedback

FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Sat, 30 Aug 2014 14:24:57 GMT

Hi All,

In order to help out the developers I started this thread to document issues and possibly troubleshoot the problems some of us have been having with this new product.

Others with far more experience than me suggested this so hopefully this can help resolve issues that some of us have been having with score updates etc.

Basically it seems that not everybody is having issues with the product updating. Some of us are only getting one CRA to report on a daily basis while the other two will not update at all. I am unsure of what details the mods would want us to list so I will edit or they can edit this post if necessary.

I'll start by listing the following:

1. When the product was purchased and what product you purchased.

2. What CRA is updating.

3. What CRA is not updating.

4. Confirm the CRA's are not updating by checking other sources, CK, USAA, other monitoring services etc

5. The account change you are waiting for to update that would impact your FICO score.

6. This is optional because the new service may be overwhelmed. Include "lag" or update time differences between when the monitoring service updates and your other sources update. For example my EQ FICO score updates approx 24-36 hours after it updates on other sources. Maybe if we identify a "lag" time we can resolve any update issues if it takes a certain amount of time for each score to update. Maybe each score takes a certain amount of time to update in regards to an actual FICO score update.

Thank you to everyone who wants to help out and please list if you are having issues.

*I'm adding this from the support site, it describes what the product does*

FICO 3-Bureau Credit Monitoring monitors your credit report daily for:

Newly opened accounts
Inquiries from applications for new credit
Newly listed public records, such as bankruptcies, judgments, and tax liens
New addresses
Newly listed collection accounts
Increases and decreases in account balances (Equifax and Experian only)
Changes in account status, such as a missed payment (Equifax and Experian only)
Changes to public records and collection accounts (Equifax and Experian only)
New activity on accounts that were inactive (Equifax only)
Changes to the name listed on your credit report (Equifax only)
Account utilization changes (Experian only)

LINK TO PAGE

*one of the admins did say this about TU updates so this gives me hope*

LINK TO PAGE

*Differences between the $19.95 and Ultimate $29.95 versions*

FICO Identity Ultimate and FICO 3-Bureau Credit Monitoring are both monitoring services that send alerts when changes are detected on your credit reports or to your FICO Scores, but there are some key differences to be aware of:

FICO Identity Ultimate includes identity monitoring features that help detect identity theft. FICO 3-Bureau Credit Monitoring does not include any identity monitoring features
FICO Identity Ultimate includes a $1 million, no-deductible identity theft insurance policy** and a toll-free help line in case you become a victim of identity theft. FICO 3-Bureau Credit Monitoring does not include these items.
Both products will send you an alert email and mobile text message when changes are detected in your credit reports or FICO Scores. FICO Identity Ultimate will also send an alert email and mobile text message when activity associated with your personally identifiable information is detected.

LINK TO PAGE

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 12:12:14 GMT

To start here is my status so far:

1. I purchased the $19.95 product on 8/26/2014

2. EQ is the only CRA updating at the moment

3. EX and TU are not updating with the score monitoring

4. I have confirmed both with checking daily pulls with USAA and the 3 reports have updated but do not reflect on the score monitoring.

5. My balances are not updating with revolving credit usage that would impact a score change. I paid off a maxed out credit card to 2% UTIL and increased the limit by $250.00

6. Update delays:

EQ: 24-36 hours

EX: Waiting for Update

TU: Waiting for Update

This product is great so far and this is not a bashing thread. Its to see if there is something going on with certain users with the score monitoring.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Marcos8 — Fri, 29 Aug 2014 00:05:49 GMT

I purchased 8/25. Only one EQ update so far. Nothing from TU or EX. I'm between updates on CK and CS so I have to wait a few days to see if anything is updated on them thats not updaating here.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

rdubb — Fri, 29 Aug 2014 00:28:11 GMT

Good idea for a thread. I love SW and hope the bugs can get fixed soon

1. Purchased 8/22/14

2. Only EQ is updating but is updating VERY slowly.

3. TU and EX not receiving any updates.

4. USAA, CS and CK all show updates that have not hit SW yet.

5. Paid off three cc's to $0 which should give me a significant score increase since my utilization was fairly high previously.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 00:37:44 GMT

Thank you guys for the replies. Hopefuly this takes off so they can identify a problem if there is one.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

_sidhe_ — Fri, 29 Aug 2014 14:27:48 GMT

1. Purchased: 8/21/14; ETA: purchased the $19.95 version
2: Updates: Equifax only
3. Not updating: TU and EX
4. Confirmation: TU and EX have updated utilization and new lines per CK and CS. MyFico has not.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

mrldp40 — Fri, 29 Aug 2014 03:57:57 GMT

opened 08/22/2014

updates eq only but only once

ive got several up dates from credithawk

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

mrldp40 — Fri, 29 Aug 2014 04:18:02 GMT

has my fico made any statement ? do 3 monitoring only work for the 29.99 package ? i'd love to know what's going on

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 10:23:45 GMT

They've mentioned that they are working on issues with the mobile site and that they are updating the app if I remember correctly. I don't remember seeing anything about update issues. The new system is probably overwhelmed and/or has a few bugs. A month from now everything will probably be fine.

I only purchased the $19.95 version, that would stink if only the $29.95 version was updating regularly.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Rlandon87 — Fri, 29 Aug 2014 11:29:17 GMT

I purchased the 19.95 product on 8/23/14.
Experian and Transunion have yet to update once.

Equifax has updated twice with about 10 alerts each time and one score change. These occurred on the 25th and the 28th.

This is while utilizing the website.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 12:14:14 GMT

I added "what product you purchased" to line 1 and added a line 6 to account for delays if there are any. Maybe only the $29.95 version is updating regularly.

I'm half tempted to call them and upgrade in order to see what happens.....

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Marcos8 — Fri, 29 Aug 2014 12:18:52 GMT

Just following up to myother post. I had a Credit Sesame alert this morning indicating a balance change but no alert so far from MyFico. Itappears the alerts from MyFico so far are still EQ only for me.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 12:31:41 GMT

@Marcos8 wrote:
Just following up to myother post. I had a Credit Sesame alert this morning indicating a balance change but no alert so far from MyFico. Itappears the alerts from MyFico so far are still EQ only for me.

Did you purchase the $19.95 or $29.95 version?

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Anonymous — Fri, 29 Aug 2014 15:00:34 GMT

Purchased the $20 version on 8/23. I've only received updates to my EQ score despite having a rather large balance reduction post that would have affected my score for all 3 bureaus.

iPhone app doesn't update at all, even my EQ update is not reflected.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

JLK93 — Fri, 29 Aug 2014 15:36:48 GMT

One of my credit cards had a change in the account number.

It is being reported by all 3 CRAs. It was first reported by Experian.

I only received an alert for Equifax.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 15:49:00 GMT

@oilcan12 wrote:
One of my credit cards had a change in the account number.

It is being reported by all 3 CRAs. It was first reported by Experian.

I only received an alert for Equifax.

What version did you purchase?

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

JLK93 — Fri, 29 Aug 2014 15:50:42 GMT

@Sneakytiki wrote:
@oilcan12 wrote:
One of my credit cards had a change in the account number.

It is being reported by all 3 CRAs. It was first reported by Experian.

I only received an alert for Equifax.

What version did you purchase?

19.95

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Sneakytiki — Fri, 29 Aug 2014 16:07:03 GMT

@oilcan12 wrote:
@Sneakytiki wrote:
@oilcan12 wrote:
One of my credit cards had a change in the account number.

It is being reported by all 3 CRAs. It was first reported by Experian.

I only received an alert for Equifax.

What version did you purchase?
19.95

Thank you, it looks like those of us who purchased the $19.95 version or the one without the identity protection are only getting EQ updates or having problems. I'm curious if anybody with the Ultimate version are having problems as well?

Did the old EQ scorewatch update to this system? Maybe they're still upgrading the software.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

SomeGuyOnTheWeb — Fri, 29 Aug 2014 16:31:37 GMT

1. When the product was purchased and what product you purchased.

8.22.14, 3-in-1 credit monitoring services for $19.95.

2. What CRA is updating.

EQ

3. What CRA is not updating.

TU/EX

4. Confirm the CRA's are not updating by checking other sources, CK, USAA, other monitoring services etc

I don't have any other credit monitoring services other than the credit tracker from Capital One, however EQ reported a change to my Capital One balance while TU/EX did not.

5. The account change you are waiting for to update that would impact your FICO score.

It would.

6. This is optional because the new service may be overwhelmed. Include "lag" or update time differences between when the monitoring service updates and your other sources update. For example my EQ FICO score updates approx 24-36 hours after it updates on other sources. Maybe if we identify a "lag" time we can resolve any update issues if it takes a certain amount of time for each score to update. Maybe each score takes a certain amount of time to update in regards to an actual FICO score update.

Since I purchased the product, there have been no updates to EX/TU aside from the initial score pull.

Re: FICO 3-Bureau Credit Monitoring Issues and Troubleshooting

Marcos8 — Fri, 29 Aug 2014 17:27:38 GMT

@Sneakytiki wrote:
@Marcos8 wrote:
Just following up to myother post. I had a Credit Sesame alert this morning indicating a balance change but no alert so far from MyFico. Itappears the alerts from MyFico so far are still EQ only for me.

Did you purchase the $19.95 or $29.95 version?

$19.95 version. Also just received another email update about a balance increase and score change but for EQ only again.

I also went in and just turned off the specific EQ monitoring alerts that were available to see if those were prohibiting/supercedeing the other alerts from coming through. Not sure why they would but just trying to tweak variables to see if anything works.