topic Re: Unable to purchase new Score Power Report (Equifax) in myFICO® Product Feedback

Unable to purchase new Score Power Report (Equifax)

Anonymous — Fri, 09 Nov 2007 20:51:54 GMT

Hello all..Just a question for anyone who might be able to help..This morning I wanted to purchase my scores and reports from all three agencies, which I have done twice before..It let me buy Transunion & Experian but gave an error code of 713 for the Equifax one. And after the error code We were "locked out" This was identical for both mine and my husbands account. After numerous phone calls to MyFico cust. rep they reset the accounts several times but then when trying again the same thing happened over agian. I Also contacted Equifax directly to see if there was any FA or something that would prevent them from sending that to Myfico but they assured me that there was nothing on there. They said everything was fine..We also went over all the information to make sure it matched which it did...Any Ideas? Thanks in advance!

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Sat, 10 Nov 2007 11:21:15 GMT

I had the same experience. Can't get score power reports from Equifax. Contacted customer support and they said it's a technical problem and they're working on it.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 01:38:40 GMT

Well I guess I am not alone then..Hmm Did they say how long it might be? I still can't access those reports..Anyone else having this trouble? Of course now I have like 5 charges on my card for these and no report..

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 02:16:51 GMT

Wow - so I am not alone.

Does this mean they'll charge me for the 3-credit-score product even though the transaction failed? How do I rectify that then?

And is this error an Equifax database error, or something wrong at MyFico's end? Either way it's very puzzling.

Re: Unable to purchase new Score Power Report (Equifax)

haulingthescoreup — Mon, 12 Nov 2007 02:50:24 GMT

I've found customer service really helpful in the past--they've always given me a free score pull or whatever when something goes wrong. I think if you just tell them what you've posted here, you'll get a refund, etc, especially since they know the system was down.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 06:13:22 GMT

This past June, I had problems trying to obtain my free Equifax report through annualcreditreport.com. I called Equifax customer service, and they "reset" my account, but I still couldn't access my report. I called back, and a different Equifax rep blamed annualcreditreport.com for the problem. I emailed annualcreditreport.com about the issue, and they pointed the blame finger at Equifax. I finally ended up having Equifax mail me my report.

Re: Unable to purchase new Score Power Report (Equifax)

SpecFile — Mon, 12 Nov 2007 16:21:51 GMT

I just received the same Error 713. I called myfico and they said it was a technical issue and they are working on it. The rep suggested that I go to equifax.com and purchase my score there. I asked if the score I would receive from the equifax site was a fico or fako and the rep said it was a beacon fico score.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 18:17:38 GMT

I wanted to clarify a couple of points.

One, if you purchase FICO Credit Complete or FICO Standard and we cannot deliver a report, we do not charge you. You may see a pre-authorization charge, but that is only to make sure the credit card is valid. If we cannot deliver the report, then this charge falls off within 1 to 2 business cycles depending on your bank.

Two, for security reasons the identifying data we submit to Equifax must match exactly with the data they have for you in their files. If it does not, then sometimes we cannot deliver the report to you. It does not necessarily mean there is a fraud alert on your file, just that there is something that doesn't match up, like an address. We've found that sometimes if you use Apartment numbers, like #12 or Apt 4F, we get an mismatch. If you call Equifax they will likely not be able to see the issue.

We are constantly working with Equifax to correct these data format / mismatch issues, but sometimes there are mismatches that prevent us from delivering the file. In these rare cases, you do have to go directly to Equifax to pull your file and yes, they are the only bureau that can deliver you a FICO score.

I hope this makes this issue a bit clearer.

Re: Unable to purchase new Score Power Report (Equifax)

SpecFile — Mon, 12 Nov 2007 19:14:38 GMT

Thanks for the clarification Jen.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 19:18:01 GMT

Hey Jen,

In my case what's surprising is that I got all 3 scores from MyFico in July. I haven't changed addresses or anything since then. So it's baffling why it does not work now.

Also you said Equifax is the only other place outside of MyFico that will give a true FICO score.

So what happens if a similar error happens for TU or Experian? In that case are we permanently locked out of ever getting a true FICO score for two bureaus?

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 23:39:42 GMT

That's the issue we're trying to sort out with Equifax Gokul77 - seems like there at least a few of you on the forums that were able to order before with no problem, but are now receiving a 713 error. We're going to do some research on our end. I'll keep you posted.

Unfortunately if we're not able to deliver your TU or Experian report, then there is in fact no other online site from which you can get your own credit report and FICO score from.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 23:43:19 GMT

Thank you, Jen. It's good to know that you are working on the issue.

Unfortunately if we're not able to deliver your TU or Experian report, then there is in fact no other online site from which you can get your own credit report and FICO score from.

Wow - that seems like a very unfortunate scenario then. Imagine that lenders, bank people etc. can all see your Fico score, but you yourself cannot see them! That doesn't sound nice at all!

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Mon, 12 Nov 2007 23:59:14 GMT

Well, let me clarify. You CAN get your credit reports from a number of different sites, including all 3 bureaus, but we are the only site where you can get all 3 FICO scores that are associated with your credit reports. So, at the very least, if you can pull your credit reports from a different site, at least you would be able to verify all the data that is contained in it.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Tue, 13 Nov 2007 01:55:35 GMT

Just an update :

I successfully ordered my Equifax Fico score and report from Equifax. And then I ordered the other 2 from MyFico. There was no trouble during the Equifax process. So basically there's nothing wrong with my Equifax details.

Looks like they are just using some lame excuse to steal away your prospective customers :-)

Of course for me the cost difference is negligible (2-3 bucks), but obviously I'd rather get all 3 scores from one website (yours) than get two scores from your site and the third one from another site. Basically a matter of convenience.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Tue, 13 Nov 2007 12:26:12 GMT

Well, It's def. not a "mismatch" issue. I have had same address on both since I joined have recieved two updated reports/scores previous. Addresses and names match exactly. I receieved an e-mail from Cust Service saying.

Hi Debra,

Thank you for contacting myFICO Customer Care. Please log on and try again, the ordering issue you encountered has been resolved.

Regards,
myFICO Customer Care

So, took the plunge tried ordering and received the OOps message again error code 713 and now account is again locked. And of course now another "hold" for 10.95

Geez..I wish they hadn't told me it's resolved.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Wed, 14 Nov 2007 15:50:10 GMT

Sorry about that TheSherrifsWife (love that display name!) That's exactly the issue our technical team is trying to sort out, i.e. if you've been able to order before and have made no changes since, why are you now getting this error. Sometimes slight changes to the address resolve the issue, but not always, so I'm on the case and will try to drive this to resolution! Again, very sorry about this inconvenience and the frustration.

Re: Unable to purchase new Score Power Report (Equifax)

Anonymous — Wed, 14 Nov 2007 21:09:14 GMT

Thanks Jen! Unfortunatly like I said I recieved that e-mail telling me its resolved so I tried again, locked out..So I called the rep said they can't help me. Also e-mail said same thing. No one mentioned a technical issue. So my husband and I had to cancel the score watch. I will have to get it on the Equifax site they told me. If its ever resolved, I could come back to MyFico for it again..Keep us posted

Thanks!

Debra