topic EQ score not updating in almost 3mo in myFICO® Product Feedback

EQ score not updating in almost 3mo

lovetofish — Mon, 10 Jun 2019 14:18:09 GMT

I have the 3 scores many changes, neg paid and removed, utl way down, new accounts ( AU) (SL) ,,, most of the changes are slowly showing up but score has sat at 452 from day 1 there is nothing else neg on the EQ yet no score change. I have it set to alert at 453. other TU and EX are right on target for updates and score changes. Im looking to purchase a vech but not until I am at 600 at least but if EQ never updates the score.. what the heck do I do. I have wrote support .. standard reply , takes time a week or 2 delay etc.. its going on 3 mo.

Any ideas?

Re: EQ score not updating in almost 3mo

thornback — Mon, 10 Jun 2019 14:37:58 GMT

I've been experiencing the same.

EQ FICO 8 is not properly updating along with alerts to report changes that should affect scoring (like utilization). The other two bureaus update as expected.

The EQ score only updates when a new report is pulled based on my myFICO subscription.

It's been this way for at least 4 months. I have another monitoring service that updates my EQ FICO 8 at a different time during the month, so I know score changes have occurred and are just not reflected on myFICO until a new report is generated.

myFICO is too costly for the service not to work as advertised.

Re: EQ score not updating in almost 3mo

sarge12 — Mon, 10 Jun 2019 14:44:34 GMT

@thornback wrote:
I've been experiencing the same.

EQ FICO 8 is not properly updating along with alerts to report changes that should affect scoring (like utilization). The other two bureaus update as expected.

The EQ score only updates when a new report is pulled based on my myFICO subscription.

It's been this way for at least 4 months. I have another monitoring service that updates my EQ FICO 8 at a different time during the month, so I know score changes have occurred and are just not reflected on myFICO until a new report is generated.

myFICO is too costly for the service not to work as advertised.

Wait...you mean when an alert pops up and it shows the score, now in addition to having to explain that the alert reason might not be the cause of the score change, now we need to tell them the reported score may not even be current. What a disaster.

Re: EQ score not updating in almost 3mo

thornback — Mon, 10 Jun 2019 16:44:51 GMT

@sarge12 wrote:
Wait...you mean when an alert pops up and it shows the score, now in addition to having to explain that the alert reason might not be the cause of the score change, now we need to tell them the reported score may not even be current. What a disaster.

Yep... pretty much. SMH.

Re: EQ score not updating in almost 3mo

sarge12 — Mon, 10 Jun 2019 16:54:33 GMT

@thornback wrote:
@sarge12 wrote:
Wait...you mean when an alert pops up and it shows the score, now in addition to having to explain that the alert reason might not be the cause of the score change, now we need to tell them the reported score may not even be current. What a disaster.
Yep... pretty much. SMH.

Well that is interesting...so if they ask me "if the alert does not cause the change to the score that may not be current, whats the point?" I have no good reply for that.

Re: EQ score not updating in almost 3mo

thornback — Mon, 10 Jun 2019 16:58:52 GMT

@sarge12 wrote:
@thornback wrote:
@sarge12 wrote:
Wait...you mean when an alert pops up and it shows the score, now in addition to having to explain that the alert reason might not be the cause of the score change, now we need to tell them the reported score may not even be current. What a disaster.
Yep... pretty much. SMH.
Well that is interesting...so if they ask me "if the alert does not cause the change to the score that may not be current, whats the point?" I have no good reply for that.

You're right, there is no good reply. The only thing you can say is that the issue seems to only affect the EQ score -- but folks are paying for updates to all three - so... it's just a bad look regardless.

Re: EQ score not updating in almost 3mo

sarge12 — Mon, 10 Jun 2019 16:58:26 GMT

Did credit karma buy equifax?

Re: EQ score not updating in almost 3mo

thornback — Mon, 10 Jun 2019 16:59:58 GMT

@sarge12 wrote:
Did credit karma buy equifax?

LoLz...

Re: EQ score not updating in almost 3mo

Cindy_FICO — Mon, 10 Jun 2019 22:25:49 GMT

Our support team should have reached out to you about this issue.

Re: EQ score not updating in almost 3mo

grammarcoquetter — Wed, 12 Jun 2019 12:09:37 GMT

I am having a similar issue, no updates, but if I go on the individual bureau website it shows it updated.

Re: EQ score not updating in almost 3mo

tc72455 — Mon, 17 Jun 2019 15:18:06 GMT

EQ 661(4/1/19- to 6/17/19) TU 733 Ex733 same updates across all 3.. the only one not changing score as it should is EQ... its broken!!!!

Re: EQ score not updating in almost 3mo

designated_knitter — Tue, 18 Jun 2019 20:15:57 GMT

I was just coming over to post this question and see I'm not the only one having an issue -- my EQ score has been the same since I "re-signed" up a couple months ago despite lots of alerts and activity going on in my credit profile and score changes with TU and EX. In addition, my FAKO EQ score on Credit Karma has been bouncing around in response to alerts as you would expect.

Since we are paying for 3 credit bureau "score watch" -- I think we should get 1/3 of our subscription back since it obviously isn't an accurate score. We are paying for something that is even less reliable that the FREE FAKOs on Credit Karma.

I'm cancelling my subscription today. If/when y'all get your act together and fix this issue, maybe it will be worth my money to subscribe again.

Re: EQ score not updating in almost 3mo

ktl72455 — Wed, 19 Jun 2019 18:51:44 GMT

I got a call from myfico this morning and they have added a free report you can pull and it will update your EQ score.

I just done it while on the phone for myself, my DH and Son and what a difference.. finally scores all look pretty even ... now if it stays fixed. We shouldnt have to call in or pull a report to trigger the score udate... the report is free...

Re: EQ score not updating in almost 3mo

thornback — Wed, 19 Jun 2019 20:31:02 GMT

Thanks for posting this. I did not receive a call from them yet, but there was a free report update waiting when I logged into myFico app (Cindy also left a message in my inbox about being contacted ).

I guess we'll see if the issue is fixed the next time an EQ alert that should prompt a score change happens...

@ktl72455 wrote:
I got a call from myfico this morning and they have added a free report you can pull and it will update your EQ score.
I just done it while on the phone for myself, my DH and Son and what a difference.. finally scores all look pretty even ... now if it stays fixed. We shouldnt have to call in or pull a report to trigger the score udate... the report is free...

Re: EQ score not updating in almost 3mo

Anonymous — Sat, 13 Jul 2019 23:39:30 GMT

I didn’t know everybody else was having a problem, but when I pulled one of my reports it updated the score and the graph but gave no corresponding alert. So I had to pull a report to get the score change but it still didn’t give me an alert even though I gave the score change and plotted it on the graph, but I did finally get an alert from Equifax today. Weird. And with the prices we pay and it already being as delayed as it is normally is, yeah this is bad. I’m hoping it’s corrected now.

Re: EQ score not updating in almost 3mo

lovetofish — Sun, 14 Jul 2019 12:56:15 GMT

yes but it did the one score update and hasnt since you made it so a new report could be pulled for eq, yet ex and tu both have udated alerts and score is going up.. eq still sits.

Re: EQ score not updating in almost 3mo

buskels — Tue, 30 Jul 2019 05:20:45 GMT

I as well seem to be having this issue. I have only recently started following Credit Karma and noticed a lag. Things hitting there not hitting here. I watched a few days on one and it wasn't until I updated by report that it was updated.

I originally signed up for this because I was working on cleaning up my credit. Now, being a victim of the Equifax breach, I depend on the alerts even if there is not a score change. I cannot justify the expense if the service is not going to work. Sadly, I just renewed for the year.

Re: EQ score not updating in almost 3mo

Anonymous — Sat, 03 Aug 2019 12:41:16 GMT

Here I am thinking it was just me. I've been a consumer of myFico for years. That's ending today. The service isn't what it used to be and I pay too much for less service.

Switched to Privacy Guard.

Re: EQ score not updating in almost 3mo

Anonymous — Sat, 03 Aug 2019 16:45:20 GMT

It's telling how often customer complaints are ignored in a forum dedicated to customer feedback. One would think those concerns would be a high priority.

Re: EQ score not updating in almost 3mo

Anonymous — Sat, 03 Aug 2019 23:13:53 GMT

So in full disclosure. I ended up canceling Privacy Guard within 30 minutes after sigining up for the 14 day trial. They offer you 3 scores but they're Vantage scores. Why pay for that when I get TU and EQ for free @ Credit Karma

Anyway, I ended up going with Experian because I wanted actual FICO Scores. Experian will provide you with daily updates to scores from all three bureaus. The only major difference is that instead of getting a credit report once a month, you have to wait 90 days. To be honest, I never really looked over my monthly credit reports anyway once my scores were where I wanted them. I am more concerend about my day to day scores and alerts. FWIW, the Experian product is $19.99 a month.

That said, I suspended by MyFico for six months. This is will give me a chance to see how well I like the Experian product and how well I'm updated. If all is good, and I can at least see up todate, current, and accurate scores in addition to timely alerts. Not getting a credit report for 90 days isn't a big loss.

I get the feeling that in 6 mos I'll be done with MyFico and will spend the savings on Netflix increases. That's a whole other issue right there