topic Re: FICO® Quarterly Monitoring in myFICO® Product Feedback

FICO® Quarterly Monitoring

Anonymous — Sun, 22 Jun 2008 14:52:08 GMT

ok i purchased this a few months back, it says I am due for my new CR and Score today (06/22/08) so approx what time do they send this new Score and CR to me ?

Re: FICO® Quarterly Monitoring

Anonymous — Sun, 22 Jun 2008 14:54:24 GMT

i've had one show the day it was scheduled, the other show the next day. so far the only experience w/qm for me.

Re: FICO® Quarterly Monitoring

Anonymous — Mon, 23 Jun 2008 00:52:43 GMT

This is the response I received from an Admin regarding the same question, "The reports are typically not delivered to the exact hour of your original order time, but they are within a few hours of it. Sorry for the confusion."

Just to clarify, the report is delivered within a few hours of the time you purchased the product. Hope this helps.

MT_Bowhunter wrote:
ok i purchased this a few months back, it says I am due for my new CR and Score today (06/22/08) so approx what time do they send this new Score and CR to me ?

Re: FICO® Quarterly Monitoring

smallfry — Wed, 09 Jul 2008 21:08:58 GMT

Typically no later than the next day though? I know for a fact I purchased mine early in the morning. It is after 5 PM now. Not a big deal but... get it together FICO.

Re: FICO® Quarterly Monitoring

smallfry — Thu, 10 Jul 2008 02:51:46 GMT

Nearly 11. Guess I ain't gettin' it today.

Re: FICO® Quarterly Monitoring

Anonymous — Thu, 10 Jul 2008 20:02:20 GMT

Did it come through today? I have quarterly too and am curious, how it is holding up for people.

Re: FICO® Quarterly Monitoring

smallfry — Thu, 10 Jul 2008 22:22:51 GMT

I got an email a little after midnight telling me I could view my report. When I signed on this morning it was there. A day late and not a big deal really but rather than lock myself into the quarterly pull with the fixed date that keeps getting closer to the beginning of each month I decided to cancel the service. My tradelines cut between the 2nd-4th and don't always post to TU on a timely basis. I can get my TU when I want for basically the same price as this service when I want the report. I guess I'll just have to live w/o the fancy graphs.
However I see no reason they cannot deliver the report on a timely basis. I need to stop spending my money on this sort of stuff anyway since I am seeing absolutely no changes in my scores whatsoever. Tempted to even drop my trimerge service too but the threat of Identity Theft keeps me from doing that.

Re: FICO® Quarterly Monitoring

Anonymous — Fri, 11 Jul 2008 16:47:52 GMT

I am starting to think it's a big waste of money too. I would like to keep one service that allows me to monitor for id theft and shady collection practices. I've had 2 ca put items on my report from 10 years ago and they were already PAID to boot!

Re: FICO® Quarterly Monitoring

smallfry — Sat, 12 Jul 2008 10:04:16 GMT

I always save all the reports to the computer immediately. Do ya think FICO could have left the TU pull from 7/10 up for a few days? I mean jeez as soon as I canceled the service all record was gone. I already paid for the report. You could leave the pull up for a month. Retail genius.

Re: FICO® Quarterly Monitoring

Anonymous — Sun, 13 Jul 2008 19:12:30 GMT

Wow, that stinks. I'll be sure to save all my reports before canceling. My two new credit cards posted to my TU reports in the last few days and I haven't had any alerts from the Quarterly monitoring either.

Arggh. This is really seeming to be useless. It's supposed to alert me weekly if I have any changes or not, and my only alert was on July 4th. Since today is the 13th, I would have expected something by now.

Re: FICO® Quarterly Monitoring

smallfry — Sun, 13 Jul 2008 20:50:42 GMT

@Anonymous wrote:
Wow, that stinks. I'll be sure to save all my reports before canceling. My two new credit cards posted to my TU reports in the last few days and I haven't had any alerts from the Quarterly monitoring either.
Arggh. This is really seeming to be useless. It's supposed to alert me weekly if I have any changes or not, and my only alert was on July 4th. Since today is the 13th, I would have expected something by now.

Cheaper to pull when you want using the codes.

Re: FICO® Quarterly Monitoring

Anonymous — Sun, 13 Jul 2008 22:53:00 GMT

Yep, I think you are right. I guess I'll be canceling this asap!

Re: FICO® Quarterly Monitoring

Barry — Sun, 13 Jul 2008 23:07:22 GMT

UpUpUp wrote:

Wow, that stinks. I'll be sure to save all my reports before canceling. My two new credit cards posted to my TU reports in the last few days and I haven't had any alerts from the Quarterly monitoring either.

Arggh. This is really seeming to be useless. It's supposed to alert me weekly if I have any changes or not, and my only alert was on July 4th. Since today is the 13th, I would have expected something by now.

Sorry for the confusion, UpUpUp, but the credit alerts are provided quarterly -- not weekly. It's only the non-credit bureau database changes that are monitored weekly.

Most FQM users seem to be satisfied with this quarterly monitoring and updated report/score -- at least for the price. If after the first 3 months you're still not satisfied, feel free to cancel your subscription, although it is recommended that you print out your reports before doing so.

Re: FICO® Quarterly Monitoring

Anonymous — Mon, 14 Jul 2008 13:11:23 GMT

I realized that you only got your report quarterly, but the monitoring also only updates you quarterly, too? Ahh, that doesn't really do any good at all then. It is def. cheaper to just pull the report quarterly with a coupon.