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Myfico updates

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Established Member

Myfico updates

Myfico is not showing updated Transunion information on a credit card I recently paid down. I called TransUnion and they provided me the correct updated information. The statement cut on the 4th. How often are updates done on myfico to reflect updates? On the verge of refinancing and my mid mortgage score (which is my TU score) is 1 point away from where lender wants it.
Message 1 of 8
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Frequent Contributor

Re: Myfico updates

I was just in a thread where we all discussed how very late TU is to report, even though the lender reported to them.  I have accounts reported on the 2nd for the other 2 bureaus, still waiting for TU and actually don't expect it this week considering past experience.  However, this may be lender specific but it seems clear many have the same sentiment.

 

If you have WalletHub or some site that provides you daily TU updates, albeit V3 scores, you can tell when it reports then get your mortgage scores.



FICO 8 as of 09/17/19
FICO 9 as of 09/02/19
AoOA - 23Y6M | AAoA - 11Y4M | AoYA - 0Y1M
1 30 day late on EX (12/2012)
Open: 9 CC | 2 RC | 1 PLOC | 1 MTG loan | 1 Auto loan
Closed: 1 MTG loan | 1 Auto loan | 2 RC
Message 2 of 8
Community Leader
Mega Contributor

Re: Myfico updates


@tlw1115 wrote:
Myfico is not showing updated Transunion information on a credit card I recently paid down. I called TransUnion and they provided me the correct updated information. The statement cut on the 4th. How often are updates done on myfico to reflect updates? On the verge of refinancing and my mid mortgage score (which is my TU score) is 1 point away from where lender wants it.

Try Wallet Hub, they provide daily TU report. As always, ignore the VS score 

If it's there, it reported and updated, but MF is lagging. 

EX 754 EQ 774 TU 752


Message 3 of 8
Established Member

Re: Myfico updates

thanks for the info!!
Message 4 of 8
Established Member

Re: Myfico updates

I did sign up for Wallet Hub and TU had updated in there so I guess its a little slow on the MF end.
Message 5 of 8
Community Leader
Mega Contributor

Re: Myfico updates

Yeah, it happens. At least you know it's done. Now waiting part Smiley Sad

EX 754 EQ 774 TU 752


Message 6 of 8
Frequent Contributor

Re: Myfico updates


@tlw1115 wrote:
I did sign up for Wallet Hub and TU had updated in there so I guess its a little slow on the MF end.

Yep.  I've actually gone a full month with no update with myFICO on certain accounts and actions from all 3B's.  Change was never alerted in myFICO but I was able to see it because I also have an EX subscription and it showed the update which was actually a score change and should have updated with myFICO per the product.  I would've never known without a bureaus pull or my other subscription.  Alerts are very untimely/unpredictable with them in my opinion.  Some months are great, others not so much.



FICO 8 as of 09/17/19
FICO 9 as of 09/02/19
AoOA - 23Y6M | AAoA - 11Y4M | AoYA - 0Y1M
1 30 day late on EX (12/2012)
Open: 9 CC | 2 RC | 1 PLOC | 1 MTG loan | 1 Auto loan
Closed: 1 MTG loan | 1 Auto loan | 2 RC
Message 7 of 8

Re: Myfico updates

I recently had an issue because the myFICO score updates weren’t making sense (there was mathematically contradictory information on the different tabs). As a part of the discussion for that issue, myFICO product support informed me that their alerts/updates are delayed by 48-72 hours.

I think that might be an optimistic estimate on their part, but factoring in business days, holidays, phases of the moon and what not I guess it’s probably correct.
Message 8 of 8
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