topic Re: MYfico not updating with EXperian FICo score in myFICO® Product Feedback

MYfico not updating with EXperian FICo score

slund5499 — Thu, 05 Feb 2015 17:10:22 GMT

Does anybody know how long it takes MyFico to update with Experian? Experian is reporting true FICO 08 scores. My experian score is 37 points higher than showing on MyFICO.com. Both are using FICO 08 scoring models....correct?

Re: MYfico not updating with EXperian FICo score

Anonymous — Fri, 06 Feb 2015 16:29:55 GMT

the scores don't come from the credit reporting agency. The scores are generated by what is on your credit report. If the credit reports are exactly the same on both sites, but the scores are different, the one youdid not find here on myfico is a fako or a different model.

Re: MYfico not updating with EXperian FICo score

Anonymous — Fri, 06 Feb 2015 16:39:06 GMT

@slund5499 wrote:
Does anybody know how long it takes MyFico to update with Experian? Experian is reporting true FICO 08 scores. My experian score is 37 points higher than showing on MyFICO.com. Both are using FICO 08 scoring models....correct?

slund5499

My Experian fico went up 47 points 1 day before MyFico updated. This morning I checked and they are both the same so maybe there is a day or 2 difference.

Re: MYfico not updating with EXperian FICo score

slund5499 — Fri, 06 Feb 2015 16:59:19 GMT

Just curious. Experian FICO 08 up to 675 (changed on 1/31). My Fico experian 654 updated thru 2/6.

Re: MYfico not updating with EXperian FICo score

Anonymous — Fri, 06 Feb 2015 17:08:42 GMT

@slund5499 wrote:
Just curious. Experian FICO 08 up to 675 (changed on 1/31). My Fico experian 654 updated thru 2/6.

slund5499

Bummer there is a contact link if you have questions concerning your scores maybe you should give that a try

Re: MYfico not updating with EXperian FICo score

Anonymous — Fri, 06 Feb 2015 21:31:52 GMT

Since October my Experian hasn't updated on myFico. No alerts, no score changes, nothing. My other scores have been climbing and giving alerts. In January I signed up for the free trial at Experian and sure enough my score had climbed, and all of the current account data was showing. I complained to myFico, and after arguing for a while they let me do a free pull of Experian and it updated my credit score (which had gone up a couple points since I pulled it on Experian). I'm buying a car in the next two weeks, and since once again I am getting nothing from Experian, I called to complain to myFico again. This time they again blamed Experian and told me the only way to get them to update is to pay for another credit report. Because I'm buying the car I bit the bullet and got the report, and again my score is up and my account balances are updated. Since myFico gives me absolutely nothing from Experian unless I buy a report I have come to believe and accept that my scores and balance changes, ect will not show up on myFico unless I buy a report. I'm guessing since Experian is selling their competing product of score watching, they will not send out updates to myFico. I could be wrong but that has been my experience with them. After I get my car I will be canceling MyFico as it isn't fully working as advertised for me.

Re: MYfico not updating with EXperian FICo score

dabo1502 — Sat, 07 Feb 2015 03:28:22 GMT

OP...Welcome I feel your pain. The 3 Score Monitoring leaves a lot to be desired. Please note that this has been a common occurrence by many here on myfico.com. IMHO, FICO sold many of us a bill-of-goods. I cancelled after my 2nd month; I absorbed the lost and will never purchase a monitoring service from FICO; I'd rather purchase every few months. I strongly encourage you to weight the options...is $19.95 each month worthy of the information you are receiving? I digress...

Re: MYfico not updating with EXperian FICo score

racer-x — Sat, 07 Feb 2015 12:56:36 GMT

I have too many subscriptions for my credit monitoring.

Experiandirect is $20 mo, and I get daily credit pulls. I pull it everyday and it is spot on to the myfico EX score.

I also have the new 3B monitoring on myfico.

Re: MYfico not updating with EXperian FICo score

Anonymous — Sat, 07 Feb 2015 14:12:04 GMT

myFico Experian is not updating. Changes that are triggering alerts and causing score changes for my TU and EQ on myFico are happening. However those same changes for the same accounts are causing nothing to happen with Experian on myFico. myFico EQ updated 2/6/15, TU updated 2/5/2015, but EX has not updated since 01/19/15.

This has happened to me before. Last time I think it was TU not updating. I can't remember. When I called myFico they stated that it's the CRA that sends the changes to myFico . Therefore if a change does not occur it's not the fault of myFico. In my opinion, it's probably a computer problem they are trying to solve. Once they do, the scores will catch up. They will never admit it publicly. I work in information technology and it sounds like something is not crossing over. They will solve it soon.

Re: MYfico not updating with EXperian FICo score

Deltadog03 — Sat, 28 Feb 2015 17:59:52 GMT

Bump....I know this is old, but did yall's EX ever update? I got an alert this am saying nothing changed with EX, I am assuming either 1 of my CCD hasn't updated over there, which would be weird because they usually update quickly and TU and EQ have updated here and got alerts and updated stuff from them.

Re: MYfico not updating with EXperian FICo score

Anonymous — Sun, 01 Mar 2015 03:48:01 GMT

my score change across the board on different times all the time (if that made sense)

Re: MYfico not updating with EXperian FICo score

Deltadog03 — Mon, 02 Mar 2015 00:11:21 GMT

Ok sounds good. I have heard the same thing before as well. TU should update soon. Hope EX does. Thinking nice 20 point rises.

Re: MYfico not updating with EXperian FICo score

Anonymous — Tue, 24 Mar 2015 23:38:57 GMT

@Anonymous wrote:
Since October my Experian hasn't updated on myFico. No alerts, no score changes, nothing. My other scores have been climbing and giving alerts. In January I signed up for the free trial at Experian and sure enough my score had climbed, and all of the current account data was showing. I complained to myFico, and after arguing for a while they let me do a free pull of Experian and it updated my credit score (which had gone up a couple points since I pulled it on Experian). I'm buying a car in the next two weeks, and since once again I am getting nothing from Experian, I called to complain to myFico again. This time they again blamed Experian and told me the only way to get them to update is to pay for another credit report. Because I'm buying the car I bit the bullet and got the report, and again my score is up and my account balances are updated. Since myFico gives me absolutely nothing from Experian unless I buy a report I have come to believe and accept that my scores and balance changes, ect will not show up on myFico unless I buy a report. I'm guessing since Experian is selling their competing product of score watching, they will not send out updates to myFico. I could be wrong but that has been my experience with them. After I get my car I will be canceling MyFico as it isn't fully working as advertised for me.

btw if you call experian they will knock their monthly fico 08 product that your can get daily pulls from down to $10/mo

Re: MYfico not updating with EXperian FICo score

Anonymous — Tue, 28 Apr 2015 00:27:58 GMT

On 4/16 I made a video where I showed my MyFico Experian score which had not updated since Februry 14th. I purchased a new report and my score jumped 50 points. Anyway, I just saw this...

Frequency of monitoring by FICO 3-Bureau Credit Monitoring

Published 07/24/2014 02:50 PM | Updated 08/21/2014 08:20 PM

"FICO Scores are not updated with Experian alerts involving identity and account utilization changes."

Account utilization? At the least that means credit cards does it not?

Not only did credit card balance changes not show up but the removal of one collection on my report and the change of one to 'paid' did not show up on my MyFico Experian score either. However when I originally disputed one collection with a collection agency who had only been reporting to the other two bureas, the collection agency ended up adding it to my Experian and that change did show up on MyFico. And the mortgage pay off after the sale of my home also showed up on my MyFico Experian score. Both negatives showed up, no positives. But, those two were within 10 days of opening my account and then no more updates for a solid two months. It feels like there's a pattern in there somewhere. Experian only giving myFico the negatives to make them look bad? The previous suggested IT problem only letting negatives through? Updates only posted first ten days after opening myFico account then stopped to save myFico money? No tinfoil hats needed, just interesting and annoying.

Re: MYfico not updating with EXperian FICo score

cjane1 — Sat, 02 May 2015 21:10:20 GMT

All of my scores haven't updated since I purchased the 3-1 . I also have an Experian acct and my score has gone up 53 points. Kind of feel I am wasting my money here and will probably be canceling the service.

Re: MYfico not updating with EXperian FICo score

FiveOhFour — Fri, 08 May 2015 03:27:25 GMT

I have a collection that has been removed from my experian report and that hasnt triggered an alert either, and actually same story for a equifax collection, but the experian was deleted much longer ago

Re: MYfico not updating with EXperian FICo score

Anonymous — Sat, 09 May 2015 02:12:52 GMT

I'm waiting 3 days already for EX to update on myFICO (Verified 3 days ago by calling EX)

Re: MYfico not updating with EXperian FICo score

FiveOhFour — Sat, 09 May 2015 16:41:29 GMT

After speaking to customer service, it seems deleted accounts don't trigger an event, which is why it's not updating for me, what a half baked service this is

Re: MYfico not updating with EXperian FICo score

cjane1 — Sat, 09 May 2015 20:48:17 GMT

I had a new credit card added, payments on credit cards made, loan payments. These didn't trigger anything.

Re: MYfico not updating with EXperian FICo score

Anonymous — Sat, 13 Jun 2015 14:45:03 GMT

The other day, I had an alert on tu up 9 points due to balence change. Idk what is going on because on my dashboard it's showing down 9 points. I called my fico, and they said it was a 9 point increase, not decrease. Now I'm noticing my experian credit tracker updated 9 points last week, yet my fico experian isn't updating. So annoying. I think something is wrong with my account. I will be calling them today.