credit.com is fako I know,but I know there were adjustments made to my experian andit dosent seem to be updated. Does anyone know how to get a score without paying for it?
Thank you! I can get into experian but the cant ge the score..........So frustrating..........
@Anonymous wrote:
I thought the same thing. Tu and eq were reporting,but nothing from experian. I have experian credit tracker as well. The credit tracker updated the same time as Tu and Eq, but my fico experian ended up updating a week later. They are slow for some reason.
I don't know that this is MF's fault: I waited more than a week for EX/TU to update their base reports... and then the truly galling thing was that the date of last update, was 5/14. This was verified by hand through both EX and TU's interfaces as well as third party reports too (everything under a microscope going into a mortgage).
Needless to say I'm a little miffed, but that one's not myFICO's fault absolutely.
Will say my balances don't move a lot, a few percent either way and as such I don't really get EX alerts. If I have a 5% swing I always get an EX alert, but if it's less than that, it's silent. I suspect a lot of people here who are paying early, probably get the same thing. This isn't a myFICO issue either unfortunately, the monitoring solution is OEM'd from the respective bureaus as I understand it, which is why there's reporting differences between the three.
If you really want to get the score to move, instead of optimizing reports at 1% or whatever, do it at 7% and rotate cards reporting. Or use a Chase card (that'll do a midcycle update if paid to $0) to trigger a score, then pay it back to $0 to trigger a second one.
It's not optimal and may be more trouble than it's worth... I do ok with EQ's granular reporting and then when I get TU/EX reports it's a good thing but not entirely necessary for me. When I need a EX trigger I can always go play with my Freedom, extra benefit to only having a $1000 dollar line I suppose, easy to create a 5% swing on it without making a large purchase.
