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All 3 CRA FICO Updated Daily?

Queen_Etherea
Valued Contributor

All 3 CRA FICO Updated Daily?

Are there any websites where I can get all three credit scores updated daily? I already know about Credit Check Total, but I'd be willing to pay a monthly fee if I could get all three updated each and every day.

 

Thanks! Cat Happy

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 1 of 13
12 REPLIES 12
Medic981
Valued Contributor

Re: All 3 CRA FICO Updated Daily?

myFICO.com!

 

As the CRAs are updated, myFICO updates your FICO score in real time, or so has been my experience.







Your FICO credit scores are not just numbers, it’s a skill.
Message 2 of 13
Anonymous
Not applicable

Re: All 3 CRA FICO Updated Daily?


@Queen_Etherea wrote:

Are there any websites where I can get all three credit scores updated daily? I already know about Credit Check Total, but I'd be willing to pay a monthly fee if I could get all three updated each and every day.

 

Thanks! Cat Happy


No such service exists.  Of course, you can spend $1 each day and pull from CCT.

Message 3 of 13
Medic981
Valued Contributor

Re: All 3 CRA FICO Updated Daily?


@Medic981 wrote:

myFICO.com!

 

As the CRAs are updated, myFICO updates your FICO score in real time, or so has been my experience.


"Monitor your 3 credit reports for changes, and get FICO® Score 8 updates with each new alert."

 

FICO Scores update when your CR changes. If your TU file does not change for a week then your FICO score for TU isn't going to change. So in theory, daily updates are not necessary. If there is a change in your CR then myFICO will alert you to the fact.







Your FICO credit scores are not just numbers, it’s a skill.
Message 4 of 13
Anonymous
Not applicable

Re: All 3 CRA FICO Updated Daily?


@Medic981 wrote:

@Medic981 wrote:

myFICO.com!

 

As the CRAs are updated, myFICO updates your FICO score in real time, or so has been my experience.


"Monitor your 3 credit reports for changes, and get FICO® Score 8 updates with each new alert."

 

FICO Scores update when your CR changes. If your TU file does not change for a week then your FICO score for TU isn't going to change. So in theory, daily updates are not necessary. If there is a change in your CR then myFICO will alert you to the fact.


Problem with myfico is that not all report/score changing events are "alert-able" events, reason why we often get "why my score decreased when my debt balance decreased" type threads.
Message 5 of 13
Anonymous
Not applicable

Re: All 3 CRA FICO Updated Daily?


@Queen_Etherea wrote:

Are there any websites where I can get all three credit scores updated daily? I already know about Credit Check Total, but I'd be willing to pay a monthly fee if I could get all three updated each and every day.

 

Thanks! Cat Happy


The closest setup, and the most economical, for what you're looking for is Experian IdentityWorks Plus for $9.95/month. Identity and credit monitoring aside, it gives you daily 3 am Experian report and score update, once you see a change there, you can then pull $1 CCT to see corresponding changes on TU and EQ, I would wait a few days before pulling CCT as TU and EQ usually lags a few days after EX reporting.
Message 6 of 13
Queen_Etherea
Valued Contributor

Re: All 3 CRA FICO Updated Daily?


@Medic981 wrote:

myFICO.com!

 

As the CRAs are updated, myFICO updates your FICO score in real time, or so has been my experience.


So which one would I choose on myFICO? The quarterly or the monthly?

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 7 of 13
Queen_Etherea
Valued Contributor

Re: All 3 CRA FICO Updated Daily?


@Anonymous wrote:

@Queen_Etherea wrote:

Are there any websites where I can get all three credit scores updated daily? I already know about Credit Check Total, but I'd be willing to pay a monthly fee if I could get all three updated each and every day.

 

Thanks! Cat Happy


The closest setup, and the most economical, for what you're looking for is Experian IdentityWorks Plus for $9.95/month. Identity and credit monitoring aside, it gives you daily 3 am Experian report and score update, once you see a change there, you can then pull $1 CCT to see corresponding changes on TU and EQ, I would wait a few days before pulling CCT as TU and EQ usually lags a few days after EX reporting.

That's a good idea! I already have the Experian Identity Works, so I'll try to pull my report with CCT in a few days. I had all but one baddy fall off of my TransUnion report, so I'm really curious to see how it affected my score. I'm still waiting for Experian to finish the disputes on the same accounts. My scores in my signature are from the last time Experian gave me all 3 scores, but of course, only Experian has been updating each day. My score with them has gone up 19 points in the past week! I want to see how much it went up with the other 2. TransUnion is my highest because they're the only one's reporting accurate information. Ugh I have no patience when it comes to these things.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 8 of 13
Anonymous
Not applicable

Re: All 3 CRA FICO Updated Daily?

Unfortunately patience is often the key in building a solid credit profile, patience minimizes mistakes, you will have to try to develop patience when it comes to these things. Looking for daily 3B update is probably a sure sign for obsession, perhaps a little break is in order. Smiley Tongue

Message 9 of 13
Queen_Etherea
Valued Contributor

Re: All 3 CRA FICO Updated Daily?


@Anonymous wrote:

Unfortunately patience is often the key in building a solid credit profile, patience minimizes mistakes, you will have to try to develop patience when it comes to these things. Looking for daily 3B update is probably a sure sign for obsession, perhaps a little break is in order. Smiley Tongue


You know what, I think you're right. I'm going to stop obssessively checking my reports for any changes. Once Experian finishes the disputes, I'll feel better, but I'll just wait until I get the email saying it's done. I haven't tried applying for anything new because I know I'll get denied. I want to be able to qualify for a Chase or AMEX card, and until I can, I'm not applying for anything. Thank you for snapping me out of it!

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 10 of 13
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