topic Re: What changes/additions would U like to see on scorewatch? in myFICO® Product Feedback

What changes/additions would U like to see on scorewatch?

Anonymous — Mon, 07 May 2007 15:20:30 GMT

I enjoy using scorewatch and since I am still a little new to credit repair I have tried 2 other products in addition to scorewatch.

Barry maybe you can pass it along to the research and development team!

I would like to see the following, which I am sure some of you would agree since I have seen one or two of these before:

1- I would love scorewatch to incorporate being able to monitor the other two bureaus EX and TU

2- Alert us when anything has been removed from our profile collection/charge offs leins judgments(This may cause us to pull another scorepower)

3- Alert when one has been added (not sure if this exists?) (It does have this built in not a changeable setting)

4- Let us know when our balances have decreased that way we know our payments have hit and maybe we may want to pull another scorepower report.

Can anyone think of any other suggestions?

I would be willing to pay extra for this type of service, not sure if anyone else would. What are your thoughts? comments? or suggestions?

I believe this would enable MyFico to become a sort of onestop shop. Not sure if the other bureaus would like that but as a consumer I would.

Message Edited by LadyFICO on 05-07-2007 08:20 AM

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Sun, 06 May 2007 14:21:54 GMT

I would like the product to send me alerts which it DOES NOT.

Re: What changes/additions would U like to see on scorewatch?

Tuscani — Mon, 07 May 2007 00:40:41 GMT

#1 request is integration with EX and TU!

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Mon, 07 May 2007 20:51:58 GMT

I would like my current score to display on my CCs when I take them out to charge something, LOL

Re: What changes/additions would U like to see on scorewatch?

Tuscani — Mon, 07 May 2007 20:57:04 GMT

Would also like SW to solve world hunger and provide world peace... just a thought.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Wed, 09 May 2007 06:52:34 GMT

Not a bad suggestion, but I would settle for it to watch and report a little more! The other would be an added bonus!

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Thu, 10 May 2007 19:11:37 GMT

It would be nice if we could also do daily pulls. Perhaps then we wouldn't have to spend our money with TC instead.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Fri, 11 May 2007 07:12:18 GMT

I agree, I would like to see all 3 fico scores on a daily basis. Ofcourse, I would hope this could be offered with a slight increase.

Re: What changes/additions would U like to see on scorewatch?

SoulSmilen — Thu, 17 May 2007 04:47:53 GMT

Daily pulls for all 3, without a doubt!!!

You have the best product, why not market it and make the money that TC and others make?

Then take that profit and invest in a more functional and consistent alert software.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Mon, 21 May 2007 06:04:10 GMT

More evolved FICO simulator.

Telling me a best case scenario for 24 months in the future is great, but how about telling me for 12 months out, 6 months out, 3 months out?

Allow me to combine things when projecting on the simulator. Pay on time for 3 months AND pay down CCs by X amount.

Report CC util (individual and overall) on reports from MyFico. This would probably give an edge that the Big Three don't have. I daresay a LOT of consumers have no clue about CC util.

Show CC util in the simulator and show how paying down which CC would do what for one's util and score.

For example:

CC - CL - Bal - High - Util

Citibank - 2500 - 1250 - 2400 - 50%

Chase - 1200 - 250 - 1180 - 21%

Orchard - 700 - 680 - 680 - 97%

Cap One - 0 - 38 - 476 - 8%

Overall - 4876 - 2218 - 4736 - 45%

I know how to crunch these things with ease using Excel. This should be a relatively easy thing to code and implement, speaking as an IT geek.

Re: What changes/additions would U like to see on scorewatch?

MidnightVoice — Mon, 21 May 2007 16:22:05 GMT

All three credit scores as often as possible. Maybe not daily, but monthly?

Re: What changes/additions would U like to see on scorewatch?

PCR20 — Wed, 30 May 2007 16:30:11 GMT

All Three FICOs once daily, just like TC but for real...

When you are waiting for something to get fixed so you can complete a large purchase, you need to be able to watch this data closely.

Re: What changes/additions would U like to see on scorewatch?

smallfry — Sun, 17 Jun 2007 11:17:01 GMT

How much would you pay to be able to see all three FICO score updated daily? I don't imagine most people pull their scores for all three more than quarterly. Could be wrong there. That's about $200 annually. Would you pay $500 a year for this kind of service? How about FICO makes like the PO and offers a forever score? LOL. I'd pay $500 to feed the addiction.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Sun, 17 Jun 2007 12:41:33 GMT

I really like the idea of being able to pull my scores but not the discounted price 13.56 each time for each score. I think that there should be an annual fee in the price range of 250. that is a do-able price and divide it into a payment plan over the next 4 months

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Sun, 17 Jun 2007 21:46:53 GMT

I was a member of myFICO and Equifax in the past. I'm back on a trial basis and quickly noticed that they still have not resolved the issue of not being able to give timely alerts to score changes. It's clear that they do it for financial reasons so people can purchase and repurchase. I'm looking for value and accuracy. What good does it do me to pay for something that doesn't deliver on it's promises. Daily updates? Good luck! Revenues would suffer and we can't have that! That's why I stick with TC's FAKO. TC gives me EQ's info a week before FICO and EQ does. This not only is real time (instant access) it helps catch identity fraud better.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Mon, 18 Jun 2007 15:30:24 GMT

Funny... during my trial period, I recieved a score watch alert at least once a week... since the trial period ended... I have yet to receive anything! It's been over a month... and NOTHING... this is such a disappointment. I am waiting for my next alert and if I don't get it soon, I am canceling.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Wed, 27 Jun 2007 23:33:41 GMT

If I got three-bureau monitoring, I wouldn't have a use for other monitoring products, so I'd cancel the other services I'm using.

One other feature I'd like: being able to set acceptable times for the SMS messages. I've been woken up a couple of times.

The other thing I'd like (this is a little off-topic) is Score Simulator for EX. That would rock, even if it had to be added as a premium ($1-2).

The last ScoreWatch alert I got was 3 days ago. Last one before that was 3 days prior.

Re: What changes/additions would U like to see on scorewatch?

smallfry — Thu, 28 Jun 2007 02:06:45 GMT

@Anonymous wrote:
I was a member of myFICO and Equifax in the past. I'm back on a trial basis and quickly noticed that they still have not resolved the issue of not being able to give timely alerts to score changes. It's clear that they do it for financial reasons so people can purchase and repurchase. I'm looking for value and accuracy. What good does it do me to pay for something that doesn't deliver on it's promises. Daily updates? Good luck! Revenues would suffer and we can't have that! That's why I stick with TC's FAKO. TC gives me EQ's info a week before FICO and EQ does. This not only is real time (instant access) it helps catch identity fraud better.

Truecredit is good for watching out for indentity theft. Careful. Daily pulling while it will result in you losing inquiries on TU and eventually EQ (as long as you do NOT pull any EQ reports) you run the risk of split files. This is not easy to rectify. Wanna see the ruthlessness of the credit reporting agencies and see how much they really care about you and your credit? Try to have a split file merged. Read the horror stories on CB and CIC about split files.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Mon, 02 Jul 2007 05:12:36 GMT

I would like to see more inquiry analysis on MyFico reports. There is already some "filtering" in that inquiries over a year old aren't displayed as they don't affect one's FICO score.

We know that multiple reported inquiries within a given window are permitted and scored as one inquiry to permit car loan shopping and mortgage shopping. Show it on the reports.

Ideally, I'd like to see the inquiries which all fall in one de-duplication window listed together and identified as such. If I go car or home loan shopping, and some of the inquiries don't get correctly coded by the loan company as auto or mortgage related, it would pop out to me on a MyFico report.

Re: What changes/additions would U like to see on scorewatch?

Anonymous — Fri, 06 Jul 2007 05:40:52 GMT

ability to do daily credit pulls of all 3.

Also I would like to have a **bleep** dispute department where you can talk with 1 person regarding items you have disputed since we get these canned responses back when we dispute something.

Simply put, we painstakingly detail our disputes to get the facts straight. We put these into letters to your company and then it just gets scanned and we get a blanket response.

Recently I did a Procedural request for verification, and IT IS CRITICAL that I know how it was verified. I get a canned response of blah blah blah electronically. THIS tells me nothing. Who the hell am I supposed to talk to at the Collection Agency when they say they did not verify it. I need facts, not canned responses. I need to know who did what and when.

Your company put me in a position I did not want to be in. I had to **bleep** nearly get an attorney and force the issue to the point of almost going to court to get them to delete an account that they could not prove was mine.