Not too thrilled with MYFICO

Anonymous · ‎09-04-2012

Any reason why I bought a Harley through their financing more than 2 weeks ago and I keep getting weekly emails for the service that I'm paying $15 bucks a month for, saying that there has been no change with my credit or any alerts??? Doesn't make me feel very secure that somebody might be using my info getting credit cards, etc. and the service that I'm paying for is not catching it. Am I being unreasonable???

AndySoCal · ‎09-04-2012

If they did not pull Equifax to approve your loan I can understand why no alert message. You should get an alert when harley Davidson reports the loan to Equifax.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
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Shogun · ‎09-04-2012

@AndySoCal wrote:
If they did not pull Equifax to approve your loan I can understand why no alert message. You should get an alert when harley Davidson reports the loan to Equifax.

+1 They may have pulled EX or TU for your approval on the purchase. Also they are not in real time. You will see the account when they post to your CR, could be up to 30 days it just depends on when they post.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.