topic Re: QUESTION FOR ADMINS in myFICO® Product Feedback

QUESTION FOR ADMINS

Anonymous — Tue, 14 Oct 2014 14:44:06 GMT

When calling the service center re: not receiving alerts, I was told that the CRAS probably have not sent you the info yet. OK. My question is. I thought this product was a MONITORING SERVICE?!?!

Wells Fargo "Monitors" my reports daily and updates me as soon as TU, EX, EQ add something. Same with multiple other services I belong too. So why is MyFico waiting on CRAS to report to them, when you claim you monitor our reports? I am just really confused. And how our scores accurate if you are not receiving updated info a timely manner?

Re: QUESTION FOR ADMINS

Anonymous — Tue, 14 Oct 2014 15:00:53 GMT

Well Said !

Re: QUESTION FOR ADMINS

Anonymous — Tue, 14 Oct 2014 15:01:58 GMT

I receive alerts everytime something hits my credit.

Re: QUESTION FOR ADMINS

Anonymous — Tue, 14 Oct 2014 15:16:18 GMT

That's awesome that the service works for you but it does not work for a great number of us. I've seen three post alone with members are about to engage in a lawsuit because the product does not work as it should.

Re: QUESTION FOR ADMINS

Anonymous — Tue, 14 Oct 2014 16:29:40 GMT

Agree and well said. I keep hoping they will work it out to be a good product. I have had 4 removals and 2 added accounts on all 3 CRA. Over a month ago and nothing. Sad that the free sites update better. Going to keep hoping.

Re: QUESTION FOR ADMINS

Desmoire — Tue, 14 Oct 2014 16:41:47 GMT

@Anonymous wrote:
Agree and well said. I keep hoping they will work it out to be a good product. I have had 4 removals and 2 added accounts on all 3 CRA. Over a month ago and nothing. Sad that the free sites update better. Going to keep hoping.

It's an absolute joke. I had a couple baddies removed as well, CK updated the next day. Barclay Fico just updated yesterday with a 50 pt jump. Absolutely nothing with myFico....

Re: QUESTION FOR ADMINS

Anonymous — Tue, 14 Oct 2014 22:33:22 GMT

Don't understand why it is working for some and not all. I see more complaints than kudos for this product. Just not delivering what we expected.

Re: QUESTION FOR ADMINS

axxy — Sun, 26 Oct 2014 18:49:03 GMT

People are complaining that the free services work better than Score Watch. But why is it a problem? The way I see it, anything that saves me money is good news.

Re: QUESTION FOR ADMINS

Anonymous — Wed, 05 Nov 2014 21:54:11 GMT

The problem is not that the free services work. The problem is that the paid service DOESN'T!

Re: QUESTION FOR ADMINS

axxy — Sun, 09 Nov 2014 00:02:58 GMT

I still have Score Watch (because I signed up for an annual subscription, when shopping for real estate) and it still works fine for me. My main complaint about it is that it doesn't give me much of a clue of how the scores I get from it compare to the scores seen by lenders. But my scores are so high now that it doesn't matter much.

Re: QUESTION FOR ADMINS

Anonymous — Sun, 09 Nov 2014 07:41:31 GMT

@axxy wrote:
I still have Score Watch (because I signed up for an annual subscription, when shopping for real estate) and it still works fine for me. My main complaint about it is that it doesn't give me much of a clue of how the scores I get from it compare to the scores seen by lenders. But my scores are so high now that it doesn't matter much.

From what I have seen, the scores mortgage lenders use FICO-04 is way closer to CK, than to MyFICO-08 here, that is used for credit cards.

Re: QUESTION FOR ADMINS

MyDataMyChoice — Sun, 09 Nov 2014 15:34:36 GMT

Wish there was a way to pull

04 FICO

Re: QUESTION FOR ADMINS

Anonymous — Mon, 10 Nov 2014 04:39:16 GMT

Subtract 30-40 points from your scores and that's it in general terms.

Re: QUESTION FOR ADMINS

EW800 — Tue, 11 Nov 2014 02:43:53 GMT

@Anonymous wrote:

From what I have seen, the scores mortgage lenders use FICO-04 is way closer to CK, than to MyFICO-08 here, that is used for credit cards.

I agree. In my case, my CK score is almost always within a point or two of my FICO--04 scores. My 08 scores are all about 25-30 points higher.

Re: QUESTION FOR ADMINS

axxy — Tue, 11 Nov 2014 03:48:23 GMT

What score do we get from Discover card? Mine is usually close to what I get from Score Watch. I think Discover is TU, right? But is it 04 or 08?

Re: QUESTION FOR ADMINS

Anonymous — Tue, 11 Nov 2014 05:32:41 GMT

@axxy wrote:
What score do we get from Discover card? Mine is usually close to what I get from Score Watch. I think Discover is TU, right? But is it 04 or 08?

The original Score Watch here is EQ 08 and, as you say, Discover is TU 08, just like the TU score here and on Barclay, on Walmart...

Re: QUESTION FOR ADMINS

lisat009 — Wed, 12 Nov 2014 17:34:48 GMT

Same here! I haven't had updates for a month now, I have had new accounts, inquiries,closed accounts,massive decrease of my balance,baddies got removed and yet no updates in my FICO watch.. This is ridiculous!!

Re: QUESTION FOR ADMINS

axxy — Fri, 14 Nov 2014 01:04:48 GMT

Do you get weekly "nothing changed" messages? If not, is it possible that the messages are somehow getting lost? Maybe among spam, or to a wrong email address, or something like that?