Good morning. MyFICO Score Alerts seem to be stuck for me. Mine hasn’t updated since 8/31, even though several things have changed since then. Anyone else having this problem? If you are/have, what’s the fix?
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Junejer wrote:
Good morning. MyFICO Score Alerts seem to be stuck for me. Mine hasn’t updated since 8/31, even though several things have changed since then. Anyone else having this problem? If you are/have, what’s the fix?
They're not score alerts.
They come when a certain event occurs. And then MyFICO just tacks on the current FICO 8 score at that particular bureau.
If you have received alerts, and the score didn't change, that's because your FICO 8 score at that bureau hasn't changed. Not every change in your data causes a score change.
Let me clarify what I meant. I typed score alert, but I meant alert...period. I have had many changes to my credit report since 8/31, yet the last alert was then. It's stuck!
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Junejer wrote:
It's not a question of whether there have been "events"; it's a question of whether you got a MyFICO alert or not.
Uh, yeah, that’s kind of my point. I’m not getting alerts and I’m not sure why, even though I’ve had events that warrant alerts.
@SouthJamaica wrote:
@Junejer wrote:
It's not a question of whether there have been "events"; it's a question of whether you got a MyFICO alert or not.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Junejer wrote:Uh, yeah, that’s kind of my point. I’m not getting alerts and I’m not sure why, even though I’ve had events that warrant alerts.
@SouthJamaica wrote:
@Junejer wrote:
It's not a question of whether there have been "events"; it's a question of whether you got a MyFICO alert or not.
Oh I see. Well my alerts keep coming in hot and heavy, so it's not a system-wide thing. I think you're giving the MyFICO alert system more credit than it deserves, because there are very few "events" it automatically considers to be alert-worthy (inquiries, new accounts, account "updates", black market surveillance).
There are, however, two user-defined limits you can set. I have mine calibrated to increase the number of alerts, so that I get updated FICO 8's more often.
My advice to you is to go to "Settings" and set your changed balance alert to a very low dollar amount, and to set your equifax score change alert to a score that is right around where your present FICO 8 score is. This way you will get more frequent updates of your FICO 8 scores.
E.g., I have my balance change alert set to $60, and I receive on average 3-4 alerts a day.
Good call on the balance alerts. I have my score set to one point above where it currently is. I'll adjust my balance and see what happens. Even though, I have had some balance changes above my current setting.
Thanks, again, SJ.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
I changed my balance alert notifications to $1 to see if that gets it unstuck.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Junejer wrote:I changed my balance alert notifications to $1 to see if that gets it unstuck.
Now you just have to make sure your balances change > $1.