topic Big lag in MyFico alerts in myFICO® Product Feedback

Big lag in MyFico alerts

Anonymous — Thu, 26 Mar 2015 18:00:51 GMT

Has anyone else seen a long lag time in MyFico alerts? I am recieving alerts in ballence increases that have had a "0" ballence for 2 to 3 weeks. The purchases where made a month ago and paid in full right away. Checked my CC and all have a "0" ballence. Usually its about a week span before I get alerts. Why the big lag? Hard to keep track of things when there so far behind!

Re: Big lag in MyFico alerts

Anonymous — Thu, 26 Mar 2015 19:54:36 GMT

I signed up over two months ago and have never gotten an alert for TU. None. Nada. Zip.

Re: Big lag in MyFico alerts

Josh611 — Thu, 26 Mar 2015 19:59:33 GMT

My Experian hasn't updated in over 2 months. I called yesterday and they said keep waiting. I'll be canceling it pretty soon when I can.

Re: Big lag in MyFico alerts

Anonymous — Fri, 27 Mar 2015 14:45:22 GMT

Just now got another ballance increase from almost a month ago which has been a "0" ballance for 3 weeks. I know it takes a little time for things to catch up but a month behind just seems longer than normal.

Re: Big lag in MyFico alerts

syeb — Fri, 27 Mar 2015 15:04:55 GMT

@Anonymous wrote:
Has anyone else seen a long lag time in MyFico alerts? I am recieving alerts in ballence increases that have had a "0" ballence for 2 to 3 weeks. The purchases where made a month ago and paid in full right away. Checked my CC and all have a "0" ballence. Usually its about a week span before I get alerts. Why the big lag? Hard to keep track of things when there so far behind!

CC company reports monthly, not as soon as you pay the bill.

Re: Big lag in MyFico alerts

Anonymous — Fri, 27 Mar 2015 15:43:43 GMT

The thing I dont understand is I paid my cc ballances off before my ststements cut as I do every month and should show a "0" ballance. I am now being allerted of a ballance increase on all of my cards. I think the issue lies with the cc co. I made the payment a few days before the statement cutoff date and for some reason it didnt post untill the day of the statement cut which then showed a ballance even though it was paid. Looks like I will have to start paying a few mre days out before the cut date. I always paid the same time every month and this is the first time this has happened. So I guess my fault for paying too close to cutoff.

Re: Big lag in MyFico alerts

Imhotrodcrazy — Fri, 27 Mar 2015 18:58:27 GMT

Seems charges hit the cr's a lot faster than when I pay them off. EQ reports quick, EX and TU are as slow as molasses running uphill in the winter.

Re: Big lag in MyFico alerts

Anonymous — Fri, 27 Mar 2015 22:49:05 GMT

Imhotrodcrazy...I agree...

Re: Big lag in MyFico alerts

ojefferyo — Fri, 27 Mar 2015 22:54:34 GMT

Yeah there is some lag, for me it's about 4-5 days for balance and CLI reports. Other things like inquires seem to take about 1 day or so. My balance is usually right though. $0 balance reports $0 balance.

Re: Big lag in MyFico alerts

lg8302ch — Fri, 27 Mar 2015 23:12:06 GMT

@Anonymous wrote:
Has anyone else seen a long lag time in MyFico alerts? I am recieving alerts in ballence increases that have had a "0" ballence for 2 to 3 weeks. The purchases where made a month ago and paid in full right away. Checked my CC and all have a "0" ballence. Usually its about a week span before I get alerts. Why the big lag? Hard to keep track of things when there so far behind!

I only have SW and my alerts are working just fine ..average about 1-2 days after statement date and this is about the time the credit cards report to the CRAs.

Re: Big lag in MyFico alerts

lg8302ch — Sat, 28 Mar 2015 00:24:08 GMT

@Anonymous wrote:
The thing I dont understand is I paid my cc ballances off before my ststements cut as I do every month and should show a "0" ballance. I am now being allerted of a ballance increase on all of my cards. I think the issue lies with the cc co. I made the payment a few days before the statement cutoff date and for some reason it didnt post untill the day of the statement cut which then showed a ballance even though it was paid. Looks like I will have to start paying a few mre days out before the cut date. I always paid the same time every month and this is the first time this has happened. So I guess my fault for paying too close to cutoff.

Could it be that it is a lender that does not report 0 balances ? That would explain that only when there is a balance reported the alerts would come. I would try to let 1$ report and see if the result is any different. Also in SW there is an option for the alert settings. You should set the alert to the present Fico score so it will trigger the alert as soon as it is 1 point lower or higher. This is for SW as I am not familiar at all with the 3-bureau monitoring and do not know how that interface looks like.

edit:

~~Discover for example will skip reporting the month you get a CLI.~~ No longer the case.

Re: Big lag in MyFico alerts

Anonymous — Sat, 28 Mar 2015 00:00:06 GMT

@lg8302ch wrote:
@Anonymous wrote:
The thing I dont understand is I paid my cc ballances off before my ststements cut as I do every month and should show a "0" ballance. I am now being allerted of a ballance increase on all of my cards. I think the issue lies with the cc co. I made the payment a few days before the statement cutoff date and for some reason it didnt post untill the day of the statement cut which then showed a ballance even though it was paid. Looks like I will have to start paying a few mre days out before the cut date. I always paid the same time every month and this is the first time this has happened. So I guess my fault for paying too close to cutoff.
Could it be that it is a lender that does not report 0 balances ? That would explain that only when there is a balance reported the alerts would come. I would try to let 1$ report and see if the result is any different. Also in SW there is an option for the alert settings. You should set the alert to the present Fico score so it will trigger the alert as soon as it is 1 point lower or higher. This is for SW as I am not familiar at all with the 3-bureau monitoring and do not know how that interface looks like.

Discover for example will skip reporting the month you get a CLI. Like this there would also not be an alert because the lender did not report the balance to the CRAs

They didn't skip the month I got a CLI.

Re: Big lag in MyFico alerts

lg8302ch — Sat, 28 Mar 2015 00:21:13 GMT

@Anonymous wrote:
@lg8302ch wrote:
@Anonymous wrote:
The thing I dont understand is I paid my cc ballances off before my ststements cut as I do every month and should show a "0" ballance. I am now being allerted of a ballance increase on all of my cards. I think the issue lies with the cc co. I made the payment a few days before the statement cutoff date and for some reason it didnt post untill the day of the statement cut which then showed a ballance even though it was paid. Looks like I will have to start paying a few mre days out before the cut date. I always paid the same time every month and this is the first time this has happened. So I guess my fault for paying too close to cutoff.
Could it be that it is a lender that does not report 0 balances ? That would explain that only when there is a balance reported the alerts would come. I would try to let 1$ report and see if the result is any different. Also in SW there is an option for the alert settings. You should set the alert to the present Fico score so it will trigger the alert as soon as it is 1 point lower or higher. This is for SW as I am not familiar at all with the 3-bureau monitoring and do not know how that interface looks like.

Discover for example will skip reporting the month you get a CLI. Like this there would also not be an alert because the lender did not report the balance to the CRAs
They didn't skip the month I got a CLI.

Glad to see that this issue is fixed now. Thanks for the feedback

Re: Big lag in MyFico alerts

RaiseMyScoreASAP — Sat, 28 Mar 2015 00:27:36 GMT

Yes. There is a lag. I have Experian Credit Tracker and I pull the report each day. A change on my Experian FICO may take several days or more to be reflected in an alert directly from FICO Credit Watcher.

Re: Big lag in MyFico alerts

Anonymous — Sat, 28 Mar 2015 13:28:24 GMT

I went to my credit union yesterday to get a pre approval for a car loan and before I got into my car to leave, Credit Karma sent me an alert of a hard inquiry. Nothing fom MyFico as of yet. The updates on MyFico are super slow. Or do they only ptade once a month?

Also, MyFico is showing my TU score at 670, my CU pulled it yesterday and it was 717.

Re: Big lag in MyFico alerts

Anonymous — Sat, 28 Mar 2015 16:00:16 GMT

@Anonymous wrote:
I went to my credit union yesterday to get a pre approval for a car loan and before I got into my car to leave, Credit Karma sent me an alert of a hard inquiry. Nothing fom MyFico as of yet. The updates on MyFico are super slow. Or do they only ptade once a month?
Also, MyFico is showing my TU score at 670, my CU pulled it yesterday and it was 717.

My TU has never updated. The only way I've gotten fresh scores is to buy new reports.

Re: Big lag in MyFico alerts

AyalaZero — Sat, 28 Mar 2015 20:41:44 GMT

I am 100% certain that Transunion is not reporting to MyFico 3-Reports right now. Hasnt since about middle of January. The reps will deny this, yet they will stumble on their words. Call and ask them what triggers an alert. I told them "I got a new card, a balance decrease on ALL my cards, new inquiries... if none of that triggers an alert....what does?? I know you guys are aware the TU isn't updating... all i ask for is an up-to-date report." To which i was told "uhhh.... hold please... *few minutes later* we will give you a code for three free reports, you can use them at any time" If you don't believe me. I bet not a single person on here has recieved an alert passed January 15th.

@Anonymous wrote:
@Anonymous wrote:
I went to my credit union yesterday to get a pre approval for a car loan and before I got into my car to leave, Credit Karma sent me an alert of a hard inquiry. Nothing fom MyFico as of yet. The updates on MyFico are super slow. Or do they only ptade once a month?
Also, MyFico is showing my TU score at 670, my CU pulled it yesterday and it was 717.
My TU has never updated. The only way I've gotten fresh scores is to buy new reports.

Re: Big lag in MyFico alerts

Anonymous — Sun, 29 Mar 2015 13:06:45 GMT

@AyalaZero wrote:
I am 100% certain that Transunion is not reporting to MyFico 3-Reports right now. Hasnt since about middle of January. The reps will deny this, yet they will stumble on their words. Call and ask them what triggers an alert. I told them "I got a new card, a balance decrease on ALL my cards, new inquiries... if none of that triggers an alert....what does?? I know you guys are aware the TU isn't updating... all i ask for is an up-to-date report." To which i was told "uhhh.... hold please... *few minutes later* we will give you a code for three free reports, you can use them at any time" If you don't believe me. I bet not a single person on here has recieved an alert passed January 15th.
@Anonymous wrote:
@Anonymous wrote:
I went to my credit union yesterday to get a pre approval for a car loan and before I got into my car to leave, Credit Karma sent me an alert of a hard inquiry. Nothing fom MyFico as of yet. The updates on MyFico are super slow. Or do they only ptade once a month?
Also, MyFico is showing my TU score at 670, my CU pulled it yesterday and it was 717.
My TU has never updated. The only way I've gotten fresh scores is to buy new reports.

You would lose that bet for sure. I've received TU alerts since signing up a month ago. Having said that I also believe this product still has numerous bugs which need to be worked out based on the number of complaints lately and the lackluster/awful customer service doesn't help matters. I plan on canceling before the next billing cycle.

Re: Big lag in MyFico alerts

Anonymous — Sun, 29 Mar 2015 13:21:50 GMT

@AyalaZero wrote:
I am 100% certain that Transunion is not reporting to MyFico 3-Reports right now. Hasnt since about middle of January. The reps will deny this, yet they will stumble on their words. Call and ask them what triggers an alert. I told them "I got a new card, a balance decrease on ALL my cards, new inquiries... if none of that triggers an alert....what does?? I know you guys are aware the TU isn't updating... all i ask for is an up-to-date report." To which i was told "uhhh.... hold please... *few minutes later* we will give you a code for three free reports, you can use them at any time" If you don't believe me. I bet not a single person on here has recieved an alert passed January 15th.
@Anonymous wrote:
@Anonymous wrote:
I went to my credit union yesterday to get a pre approval for a car loan and before I got into my car to leave, Credit Karma sent me an alert of a hard inquiry. Nothing fom MyFico as of yet. The updates on MyFico are super slow. Or do they only ptade once a month?
Also, MyFico is showing my TU score at 670, my CU pulled it yesterday and it was 717.
My TU has never updated. The only way I've gotten fresh scores is to buy new reports.

I have multiple alerts from TU for febuary and March (went from 755 in mid january to 809 mid march with many updates in between). Now my EX and EQ havent updated since mid febuary but i pulled a new ex report a few days ago and got my updated score.

Re: Big lag in MyFico alerts

Anonymous — Mon, 30 Mar 2015 01:27:06 GMT

I dont know what the issues are but CK sends alerts very quickly. I dont use them for my score but just to watch my reports every week. Like I said earlier, it was'nt a half hour before I got the alert from CK about the hard pull. If something negative happens MyFico usually alerts fairly quickly.But when something possitive is reported..not so quickly. Especially over the last month or two.