topic Re: When will the report be available? in myFICO® Product Feedback

When will the report be available?

LindysMom — Sun, 10 Dec 2017 15:22:30 GMT

Last month my monthly report was available by around 9:00 AM the date it stated it was available. Is there a particular time the reports become available? I see the charge as pending, but no new report.

I pay for the monthly 3b. I feel that once my card is charged, the report should be available.

Re: When will the report be available?

Anonymous — Sun, 10 Dec 2017 15:24:46 GMT

I actually NEVER pull a fresh report right away. I time when I pull my 3B versus when I know all my accounts are updated.

So I pay for my 3B on the 24th or so, but then don't pull a fresh report for almost 4 weeks (around the 19th) -- this gives me a good idea of where I am since all my accounts SHOULD update by then.

Re: When will the report be available?

LindysMom — Sun, 10 Dec 2017 15:28:29 GMT

That's nice but thats not how this service works. It's an automatic update of the report.

Back on track... can anyone tell me when the the reports actually refresh in the system and are accessible? Thanks so much!

Re: When will the report be available?

Anonymous — Sun, 10 Dec 2017 15:33:47 GMT

@LindysMom wrote:
That's nice but thats not how this service works. It's an automatic update of the report.

Back on track... can anyone tell me when the the reports actually refresh in the system and are accessible? Thanks so much!

Mine isn't an automatic update at all. That's weird that yours is.

Here is my screenshot of my MyFico monitoring service:

myfico-subscription.png

So my card was charged on 11/24 and it gives me an update that I can pull whenever I want to between 11/24 and 12/24.

Not sure what your issue is, you expect your pull to happen on a specific day at a specific time but there are 24 time zones around the world and right now it's two different days in two different parts of the world even. So you have a good question: what time zone is the report availability based on, and how long does it take for a credit card charge to be accepted by MyFico.

I assume that their accounting department (that charges your card) and their monitoring service department (that lets you pull a fresh 3B) aren't the same group, so maybe there's some communication lag.

As far as I'm aware, the first 3B was available immediately after I processed my first card charge, but then I realized I didn't WANT a report on the 24th, I wanted it a little earlier, so the next cycle I just delayed pulling the reports by a few weeks and it works better for me that way.

Maybe confirm that you get an automatic report, because I never saw that on my end, and I've helped over 200 people use MyFico monitoring local to me in my credit repair meetings and I've never seen any of them actually get an automatic report -- everyone I know and have helped have to actually click the "update now" button.

Re: When will the report be available?

LindysMom — Sun, 10 Dec 2017 15:42:44 GMT

I have the ultimate 3b+. I think my service subscription is different than yours. I only get a message of the date my next report will be available (10th of each month).

Touche.

Re: When will the report be available?

Anonymous — Sun, 10 Dec 2017 15:49:17 GMT

I have this subscription, not sure how it differs!

myfico-ultimate.png

You mentioned Ultimate 3B+ whereas mine says Ultimate 3B.

Is your monthly pull $29.95 or $39.95? I wonder if the $29.95 monthly Ultimate is an automatic pull whereas the $39.95 Ultimate is one I can manually time and request? No idea! Very very curious. Honestly if that happens to be the case (I'm just guessing), I'm not bothered anymore that I have to pay $10 more a month because I kinda like timing my 3B pulls based on my report schedule!

Report back, I definitely want to get to the bottom of this so I know for future reference.

Re: When will the report be available?

LindysMom — Sun, 10 Dec 2017 16:09:43 GMT

I pay $42. I think the extra has identity theft monitoring.

And obviously very haphazard updates.

It emailed me last month

Re: When will the report be available?

LindysMom — Sun, 10 Dec 2017 16:11:39 GMT

I’m on mobile but mine doesn’t even read like yours. It won’t allow me to add the screenshot.

Re: When will the report be available?

Anonymous — Sun, 10 Dec 2017 16:17:30 GMT

Maybe you have to pay some sort of state sales tax on it, but we're both in the same payment ballpark so it's not that, either.

Obviously they have different credit monitoring services -- since yours is 3B+ maybe that + means identity monitoring, not sure. From what I can tell, I thinkhave identity monitoring, too, but honestly never paid it much attention:

fico ultimate 3b subscription.png

So it appears we may have the same TYPE of subscription but yours forces you when it updates whereas mine gives me the option to delay an update up to 1 month.

No worries on the screen shot, I know what a pain mobile is on web forums. I do believe you, I'm just surprised they'd bother to code two nearly identical subscriptions but with different "features". To me, if the only difference between 3B and 3B+ is that you can't pull your report whenever you want to, that isn't much of a "plus" to me.

Since it's a Sunday I don't expect MyFico support to be around but I guess it wouldn't hurt to try their 800 number to see if someone is there, although weekend customer service reps in my opinion tend to be the ones who get slammed with the most phone calls at the worst time. Might be useful to call in tomorrow and see what they have to say about it.

I also wonder if the mobile site is different than the desktop site -- maybe on the phone app/website you can't manually time the pull but on desktop maybe you can?

So curious, hopefully someone else puts in their opinion so we can see what's up!

Re: When will the report be available?

LindysMom — Sun, 10 Dec 2017 16:33:13 GMT

I typically log in from my desktop. Both mobile and web won’t update or even give me an option to pull.

As an aside, I really like having a particular date each month otherwise I would be too eager to pull it. For example, my student loan lenders don’t report within close proximity of each other. Plus I feel it gives me a true picture of how my scores are evolving.

Re: When will the report be available?

Anonymous — Sun, 10 Dec 2017 16:49:43 GMT

@LindysMom wrote:
I typically log in from my desktop. Both mobile and web won’t update or even give me an option to pull.

As an aside, I really like having a particular date each month otherwise I would be too eager to pull it. For example, my student loan lenders don’t report within close proximity of each other. Plus I feel it gives me a true picture of how my scores are evolving.

So there are definitely two different services! I spent some time on the product page but MyFico appears to change some things that they don't discuss at all on their selling info pages. Grr!

I totally understand the desire to pull a report if you could! It takes me a lot of willpower to wait 3+ weeks to pull a 3B I already paid for. In my case, I have cards report as early as the 6th-9th and as late as the 18th-22nd. I usually only report my AZEO balance on the card thar reports on the 13rd-16th, so I can pull my 3B as early as that, but I still like to give myself a little bit of a time just in case.

We all have our reasons for liking this or that feature, but being locked down without ANY information on WHEN a forced pull happens would annoy me as well. I hope you find your answer -- and if it appears automatically today, post an update so we have some data points for others in the future.

Re: When will the report be available?

LindysMom — Sun, 10 Dec 2017 19:38:47 GMT

So it did update today ... 12:25 PM EST... I was in the parking lot of Costco looking on my mobile phone.

I agree re: report one month doesn't update in time for prior month activity.

Re: When will the report be available?

Gratitude — Sun, 07 Jan 2018 22:08:31 GMT

I'm quite happy to find this thread so quickly after searching the topic.

I have a subscription for $39.90;

My account renews today;
My PayPal account used to pay for it has not been charged yet;

It says next available FICO 3B Report 01/07/18 - can't click on it

I don't see anywhere where on the dashboard where I can access my 3B without paying for it;

It appears from what's been stated above that I'm likely early...

will wait to see how it changes.. this is my first month of service so.. totally unfamiliar.

More importantly I have statements cutting on the 10th - best to pull after that.

Exercising Patience!

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