topic Re: How do I "un"-pause my subscription? in myFICO® Product Feedback

How do I "un"-pause my subscription?

raisemysc0re — Sun, 10 Feb 2019 19:44:25 GMT

I paused my subscription for 6 months (until 5/4/19) because I did not plan to do anything credit wise, did not want to pay while I was in the garden and since I just refinanced my home I didn't want to see the drop in score

Now I am getting email notifications from WalletHub that my Chapter 13 fell off my TransUnion report and I want to verify.

I filed in Nov 2013 so the 7 year mark is notr until Nov 2020...???

Should I bother unpausing my subscription or is WalletHub known for this type of inaccuracy?

Re: How do I "un"-pause my subscription?

thornback — Sun, 10 Feb 2019 20:17:53 GMT

Wallethub, in my experience, has been accurate with such alerts. But you could first pull your free annual report (annualcreditreport.com) for Transunion to confirm it's gone - then, if so, get your scores.

If it did, in fact, drop - Congrats!

Re: How do I "un"-pause my subscription?

raisemysc0re — Sun, 10 Feb 2019 22:48:06 GMT

Would it be unheard of to have TransUnion drop it 21 months early?

Re: How do I "un"-pause my subscription?

Zolomon — Wed, 13 Feb 2019 15:10:48 GMT

@raisemysc0re wrote:
I paused my subscription for 6 months (until 5/4/19) because I did not plan to do anything credit wise

We're on the same boat. I'm paused until May 27th 2019. I just spoke with a MyFICO rep and she stated unfortunately they have to wait until the pause runs out. The work around is cancelling the subscription entirely and then resubscribing, but you will lose all previous information on your MyFICO account. I decided to just wait out the pause.

I recently subscribed to Equifax's 3B reporting in January - a $1 trial for 7 days and $20 a month afterward. Like you, I just want to confirm something on my report then I'll be cancelling it after February's refresh.

Re: How do I "un"-pause my subscription?

Cindy_FICO — Wed, 13 Feb 2019 18:20:19 GMT

@Zolomon wrote:

@raisemysc0re wrote:

I paused my subscription for 6 months (until 5/4/19) because I did not plan to do anything credit wise

We're on the same boat. I'm paused until May 27th 2019. I just spoke with a MyFICO rep and she stated unfortunately they have to wait until the pause runs out. The work around is cancelling the subscription entirely and then resubscribing, but you will lose all previous information on your MyFICO account. I decided to just wait out the pause.

I recently subscribed to Equifax's 3B reporting in January - a $1 trial for 7 days and $20 a month afterward. Like you, I just want to confirm something on my report then I'll be cancelling it after February's refresh.

That is correct - right now we don't have an unpause feature. Here are some options: wait out the pause period, or cancel and re-subscribe. You can also get a free report as mentioned on annualcreditreport.com

Re: How do I "un"-pause my subscription?

raisemysc0re — Thu, 14 Feb 2019 01:01:45 GMT

I went the Equifax 3B route.

The BK-13 is still showing up on my TU report...

I did not have a lot of hope that it would actually be gone 21 months early though...

One Question on the EQ subscription...

Is the scores FICO-8 or FAKO?

Re: How do I "un"-pause my subscription?

HighAchiever — Wed, 15 May 2019 00:10:48 GMT

@raisemysc0re wrote:
I went the Equifax 3B route.
The BK-13 is still showing up on my TU report...
I did not have a lot of hope that it would actually be gone 21 months early though...
One Question on the EQ subscription...
Is the scores FICO-8 or FAKO?

Equifax 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness. I hope this helps...