topic Re: Something funky going on? in myFICO® Product Feedback

Something funky going on?

Jazzzy — Sun, 01 Nov 2009 16:16:08 GMT

I just logged into myFICO. I thought my EQ FICO has gone up because it gave me 766 as my FICO. Then I noticed that under the FICO it gives the date 9/2/09 and the score says "over one month old."

My FICO dropped on 10/21/09 to 755 because of an inquiry. I thought I'd gone back up, but then I noticed it was an old score presenting.

What is happening?

Re: Something funky going on?

Lel — Mon, 02 Nov 2009 02:48:21 GMT

I'm having the same problem - I got a SW alert yesterday morning indicating that my score had dropped to 785. When I logged on yesterday, the front page correctly showed the 785 with the 10/31 date. But this morning it shows the 796 from 10/19, when I last pulled my score.

I'm waiting until tomorrow to see if it self-corrects.

Re: Something funky going on?

Anonymous — Mon, 02 Nov 2009 17:52:55 GMT

I have the same problem. Usually it posted the latest score from SW, but a few days ago it went to the last report score. More interesting is my score; like all other forums, i've set it to the lowest possible so it will trigger whenever something happens. This morning (like 10 mins ago) I got an email from SW saying No Score Watch(TM) alerts this month. Knowing something must've happened since my report should be clean [no inquiries and high balances]. I just couldn't bear to know that my score didn't change for a month! So I paid for a report for $10.95 and instantly my score changed from 710 to 759! I don't know if something is wrong with score watch or if something else happened...

Re: Something funky going on?

haulingthescoreup — Mon, 02 Nov 2009 22:50:16 GMT

You don't want to set your target to "the lowest possible." If you do that, it won't trigger an alert if your score goes up.

Think of your target score as being like those magnetic sensors under the roadbed at traffic lights. They only work if you land on them or cross them. If you never cross them, as in having a target set lower than your current score, and your score goes up, they'll never trigger an alert. Or light change.

Sorry, my simile is getting away from me.

At any rate, set your target score to your current score, 759 in your case. That way, whether your score goes up or down, you should get an alert.

Re: Something funky going on?

Anonymous — Mon, 02 Nov 2009 22:56:48 GMT

Thanks hauiling for your reply... by setting to the lowest i meant...

    * Whenever your FICO® score reaches a target score of 710
    * Whenever one of your accounts has a balance increase larger than 5%
    * Whenever one of your accounts has a balance increase larger than $5
    * Whenever one of your accounts shows new activity after being inactive for more than 3 months

I did use my current score for the first setting...

Re: Something funky going on?

haulingthescoreup — Mon, 02 Nov 2009 23:55:32 GMT

Oh, OK, gotcha.

There are plenty of times that SW just kinda doesn't work.

That's odd, though, what OP posted about a different report and score displaying. A whole new strange behavior from our old friend.

Re: Something funky going on?

moonman — Tue, 03 Nov 2009 01:14:10 GMT

there is something going on because I subscribe to scorewatch and when i logged in my score has a score from three months ago(with the date at the bottom) plus it says buy current score. now when i click on the scorewatch link below it,It shows my current score but not at the top when you first log in..must be some kind of glitch or something

Re: Something funky going on?

Jazzzy — Tue, 03 Nov 2009 22:30:01 GMT

Is this issue going to be fixed?

I still have an old FICO score showing on my page when I log in, even though I have been alerted with updated scores.

Can someone PLEASE let us know what is going on?

Re: Something funky going on?

Lel — Tue, 03 Nov 2009 22:38:54 GMT

An administrator has been alerted.

Re: Something funky going on?

Anonymous — Thu, 05 Nov 2009 01:28:06 GMT

Same thing happened to me. I went on mini app spree and figured that my score would drop some. When I logged in to myfico, EQ score shown was 555!! I was morified, b./c last score from 10/29/09 was 606. I was like wow 50+ points just for inq. Then I noticed the date under score which was 6/4/09! It said to buy today's score (over 4 months old). This made me feel a little better, but there is clearly something wrong with SW right now. I have added a few TL and paid off loans, but I am getting nothing! Please fix this poroblem, so that I can know my REAL score. :-)

Thanks,

Jelly

Re: Something funky going on?

Jazzzy — Thu, 05 Nov 2009 03:20:15 GMT

@Anonymous wrote:
Same thing happened to me. I went on mini app spree and figured that my score would drop some. When I logged in to myfico, EQ score shown was 555!! I was morified, b./c last score from 10/29/09 was 606. I was like wow 50+ points just for inq. Then I noticed the date under score which was 6/4/09! It said to buy today's score (over 4 months old). This made me feel a little better, but there is clearly something wrong with SW right now. I have added a few TL and paid off loans, but I am getting nothing! Please fix this poroblem, so that I can know my REAL score. :-)

Thanks,
Jelly

Hi Jelly...it's frustrating not to get any answers, isn't it? This is obviously not an isolated problem, and myFICO needs to address it.

Re: Something funky going on?

haulingthescoreup — Thu, 05 Nov 2009 13:06:08 GMT

They're looking into it. It's not happening with everyone, so I guess that makes it trickier.

Re: Something funky going on?

Barry — Thu, 05 Nov 2009 15:00:31 GMT

Yes, we're looking into this issue. Sorry for the delay in getting back to you all.

Usually when something like this is raised on this board myFICO customer service is already aware and the tech folks are already working on it. This time, your examples are the first we've heard and so it's hard to say right now how long it will take to resolve, since the investigation just began. Please stay tuned...

Re: Something funky going on?

Anonymous — Thu, 05 Nov 2009 18:05:12 GMT

@LynetteM wrote:
@Anonymous wrote:
Same thing happened to me. I went on mini app spree and figured that my score would drop some. When I logged in to myfico, EQ score shown was 555!! I was morified, b./c last score from 10/29/09 was 606. I was like wow 50+ points just for inq. Then I noticed the date under score which was 6/4/09! It said to buy today's score (over 4 months old). This made me feel a little better, but there is clearly something wrong with SW right now. I have added a few TL and paid off loans, but I am getting nothing! Please fix this poroblem, so that I can know my REAL score. :-)

Thanks,
Jelly

Hi Jelly...it's frustrating not to get any answers, isn't it? This is obviously not an isolated problem, and myFICO needs to address it.

Yes, Lynette. I hope that they can fix this soon.

Thanks, Hauling and Barry for letting us know that the problem is being worked on.

Re: Something funky going on?

Barry — Thu, 05 Nov 2009 18:11:36 GMT

Just to be clear, this issue is about how things are displayed within your myFICO account. It is not about any failure of SW to alert you to changes.

Re: Something funky going on?

Anonymous — Thu, 05 Nov 2009 18:44:57 GMT

@Barry wrote:
Just to be clear, this issue is about how things are displayed within your myFICO account. It is not about any failure of SW to alert you to changes.

Yes, Barry. That is correct. I have been receiving my alerts as usual. No problems in that regard. I just have to take a few extra steps to see my last score. Instead of it being displayed immediately after log in.

Re: Something funky going on?

moonman — Fri, 06 Nov 2009 01:16:29 GMT

This problem for me just started a few days ago with my score 713 dated from my latest (10-2-09) scorewatch update.but now all of a sudden my score of 688 was shown with the scorewatch update of 8-23-09 but when i go to the scorewatch section,the score(713)is shown with the oct date.My scorewatch history has all of my updates so something must have happen to the system.

update......I emailed customer service this morning about this problem and just received an email response which has given me another power score to use.now I see that my score is now 722 instead of 713 which means that there was a problem somewhere.this is the first time i ever had any problems with scorewatch.

Re: Something funky going on?

Anonymous — Fri, 06 Nov 2009 17:41:46 GMT

I am having the same problem. Score is showing from a report on 10/17 but my last alert was for a raise in score on 10/27. It's not displaying the correct score on the front page.

Message Edited by rgibson74 on 11-06-2009 09:41 AM

Re: Something funky going on?

Jazzzy — Sat, 07 Nov 2009 01:29:49 GMT

My score is still showing incorrectly as well.

Re: Something funky going on?

Karatz — Sun, 08 Nov 2009 00:02:32 GMT

Mine is showing the last score which is correct.

No updates since 10/17, but a ton of stuff is being zero'd out over the next 10 days, and one new account should be showing, and also a authorized signor should be showing soon in a corporate account, so we'll see.