topic Re: C'mon Equifax, YOU CAN DEW EET! in Rebuilding Your Credit

C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Mon, 22 Jul 2019 04:40:18 GMT

I just wanted to root for my Equifax, the current underdog...

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Mon, 22 Jul 2019 04:44:52 GMT

Ideas on why no EFX movement?

Re: C'mon Equifax, YOU CAN DEW EET!

GApeachy — Mon, 22 Jul 2019 05:52:14 GMT

Pull your reports, it looks like it does not have all the credit info. the other two have. Double check your accts., derogs, everything...including updates between the 3.(compare)

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Mon, 22 Jul 2019 05:50:09 GMT

I've checked them all recently 6/26.

Re: C'mon Equifax, YOU CAN DEW EET!

GApeachy — Mon, 22 Jul 2019 06:01:05 GMT

Your scores (in siggy) are from 6/26 but your graph is mid-July.(showing updated scores for TU and EXP) So it looks like whatever triggered the scores to rise on TU and EXP has not reach EFX perhaps. Where did you obtain your graph info. from?

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Mon, 22 Jul 2019 06:16:24 GMT

I have a MyFICO Premier subscription which lets you see FICO 8 scores as they change throughout the month. Some haven't hit EFX yet but some have and it won't budge.

Re: C'mon Equifax, YOU CAN DEW EET!

GApeachy — Mon, 22 Jul 2019 06:21:31 GMT

@dytch2220 wrote:
I have a MyFICO Premier subscription

I do too....can't find that same chart in my reports, idk. But maybe because the last bit's and pieces have not "Some haven't hit EFX yet but some have and it won't budge." is probably your answer. It's hard to say because Idk your dp's.

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Mon, 22 Jul 2019 06:26:13 GMT

It's from the alerts screen on the android app. As you can see, the other two had a dramatic increase after the auto loan and a revolving line. These were also added to EFX, should have moved up or down something...

Re: C'mon Equifax, YOU CAN DEW EET!

BallBounces — Mon, 22 Jul 2019 16:51:04 GMT

I don't have your answer, but I have a similar situation with Experian as the outlier.

Although I am not sure, In my case I think it has to do not with "current changes" so much as it does with some trailing status updates made a few months ago on the other two, which delayed and have not yet aged as much on Experian. So rather than looking at "current changes", perhaps look at ages of last delinquency or when an account status changed or something similar.

In my case, I think EX has an account status flag for one of my accounts as delinquent longer than the others. I need to dive in to the details, esepcially if it does not get in line over the next month or two.

YMMV and I hope that makes sense.

Re: C'mon Equifax, YOU CAN DEW EET!

KJinNC — Mon, 22 Jul 2019 17:48:39 GMT

Equifax is bad and dumb

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Mon, 22 Jul 2019 18:06:49 GMT

@KJinNC wrote:
Equifax is bad and dumb

Agreed.

Re: C'mon Equifax, YOU CAN DEW EET!

Anonymous — Tue, 23 Jul 2019 01:16:39 GMT

@dytch2220 wrote:

I just wanted to root for my Equifax, the current underdog...

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Fri, 26 Jul 2019 05:18:57 GMT

In case anyone is interested in the solution, here goes. I just couldn't be satisfied with this as I felt it was an error. I submitted feedback on the MyFICO website but got a generic "your credit score is calculated by..." type of answer. I called this morning and spoke with an agent, later escalating to a supervisor and a manager. In the end, the issue is that under your profile page there is an alert score threshold, which gets automatically set by MyFICO to be equal to the Equifax score. Since I was already at that score there were no updates and trhe score was not tracked. They recommend not setting it more that 10-15 points higher than your current score but I set it to 850 so it will always track score updates. If you're a Premier member, check and update this or you're probably missing out on scores. They ordered a new, free, Equifax report and it instantly showed the increase from 510 to 575.

Re: C'mon Equifax, YOU CAN DEW EET!

Anonymous — Thu, 25 Jul 2019 16:21:57 GMT

Time to update that siggy and be on your way to 600s!

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Thu, 25 Jul 2019 16:30:12 GMT

@Anonymous wrote:
Time to update that siggy and be on your way to 600s!

Yep, siggy updates tomorrow when I get my next monthly 3B and the smorgasbord of FICO scores.

Re: C'mon Equifax, YOU CAN DEW EET!

dytch2220 — Fri, 26 Jul 2019 18:23:50 GMT

New graph!