I don't Think MyFico Keeps Up Too Fast

[Anonymous]

Am I Missing Something being new to MyFico? I got a mobile alert since I pay the $29.95 a month subscription because I am trying to by the house I live in by the fall and I actually got a bump up in my score by 30 points on my experian. Well no biggy I am still in the 'fair' category at this point but I am working damn hard on the whole damn game that is for sure. So I called transunion to redispute some stuff and the told me, but mam some of the things you are seeing we do not, xyz have already been deleted and the other two still have three days left of their timing for the companies to respond, if they don't respond, they too will be deleted. WELL HOW COME my fico has not shown me those things deleted off my transunion report? I have to wait until when? I mean how often does it update? I am paying freaking $30 a month and it wants $50 for another 3Breport???? whew 

[Anonymous]

Hello Angela! Good for you for working so hard to get your credit report in order!

The terms myFICO 3B report that you subscribe to can be a little confusing. Here's what it actually does:

You receive each of your three credit bureau reports quarterly. That is, every three months. So those reports (as they appear on myFICO) aren't going to reflect recent changes in your reports at the bureaus until the next quarterly update happens.

You do get to see your new FICO 8 score for each of the bureaus each time it updates. And you get certain alerts when certain things happen, but again, those changes will not show up on your myFICO report until your next update.

My alerts have all been new accounts, balance changes, and score changes. I can't tell you whether a derog being removed would cause an alert because I haven't experienced that, but I would think it would.

[iv]

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@Anonymous wrote:

My alerts have all been new accounts, balance changes, and score changes. I can't tell you whether a derog being removed would cause an alert because I haven't experienced that, but I would think it would.

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Not generally, no.

The monitoring options (here and elsewhere) usually don't trigger on things being removed.

[Revelate]

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@iv wrote:

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@Anonymous wrote:

My alerts have all been new accounts, balance changes, and score changes. I can't tell you whether a derog being removed would cause an alert because I haven't experienced that, but I would think it would.

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Not generally, no.

The monitoring options (here and elsewhere) usually don't trigger on things being removed.

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It's possible we might get it with the new EX implementation looking at the report: frequent SP's now from myFICO which if I look back at my alert history do match up with triggered alerts.  So if they're now doing a comparison between prior and current data, they might catch that.

TU is a non-starter and the gold standard EQ never tracked it.