I hit the one month point with the new monitoring product and they updated the EX and TU scores. EQ scores were not available until a week after I signed up so apparently EQ won't update for another week or so. As I've mentioned before, no interim score or activity alerts between monthly reports. They do update all 28 scores every month, which might be worth $25 to some people. With the $5 intro pricing, it certainly is to me. The 28 score breakdown does show a handy month to month change indicator:
I have no idea why my EX FICO 3 would go up 27 points while my Auto 2 score went down 12. Other than paying on two consolidation loans and 2 car loans every month not much is changing on my report. Just a curiosity, though, I'm not going to worry about it.
@FlaDude wrote:I hit the one month point with the new monitoring product and they updated the EX and TU scores. EQ scores were not available until a week after I signed up so apparently EQ won't update for another week or so. As I've mentioned before, no interim score or activity alerts between monthly reports. They do update all 28 scores every month, which might be worth $25 to some people. With the $5 intro pricing, it certainly is to me. The 28 score breakdown does show a handy month to month change indicator:
I have no idea why my EX FICO 3 would go up 27 points while my Auto 2 score went down 12. Other than paying on two consolidation loans and 2 car loans every month not much is changing on my report. Just a curiosity, though, I'm not going to worry about it.
@FlaDude that is pretty weird. Do you have any derogatories whatsoever?
@Anonymous wrote:
@FlaDude wrote:I hit the one month point with the new monitoring product and they updated the EX and TU scores. EQ scores were not available until a week after I signed up so apparently EQ won't update for another week or so. As I've mentioned before, no interim score or activity alerts between monthly reports. They do update all 28 scores every month, which might be worth $25 to some people. With the $5 intro pricing, it certainly is to me. The 28 score breakdown does show a handy month to month change indicator:
I have no idea why my EX FICO 3 would go up 27 points while my Auto 2 score went down 12. Other than paying on two consolidation loans and 2 car loans every month not much is changing on my report. Just a curiosity, though, I'm not going to worry about it.
@FlaDude that is pretty weird. Do you have any derogatories whatsoever?
With those credit scores I would imagine there has to be at least 2 to 3 derogs holding his scores down.
BUT on the real side anyone getting the scores or updated scores while your credit reports are locked or did you have to leave them unlocked for a period of time so credit.com could give them/update them?
@Iusedtolurk wrote:With those credit scores I would imagine there has to be at least 2 to 3 derogs holding his scores down.
I will say that scores like that are fairly new to me. Like many others here I've had some issues that kept my scores down. Not as bad as some, a few 30 day lates here and there, and a mountain of CC debt (80k) with lots of maxed out cards. Now I'm down to a hill of debt with none of it on my credit cards (in two loans in my name and a CC in my wife's name) that should be paid by February.
My reports are all unlocked, although I should probably lock them since I don't expect to apply for anything for a while.